23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am reaching out to appeal the permanent limitation imposed on my PayPal account associated with the email address XXXX I believe this action may have been taken in error, as I have consistently adhered to PayPals policies and have not engaged in any prohibited activities.

As a dedicated user of PayPal, maintaining a positive and reliable relationship with your service is very important to me. I am committed to addressing any concerns that may have led to this situation and am eager to resolve any misunderstandings. 

I kindly request a detailed review of my case, with a careful examination of the circumstances that led to the account limitation. I am confident that a thorough review will uncover any errors or misunderstandings. I am willing to provide any necessary documentation or additional information to support my appeal. Reinstating my PayPal account would greatly alleviate my current financial difficulties and allow me to continue using PayPal for my transactions. 

Thank you for your attention to this matter. I hope for a swift resolution and the opportunity to restore my access to PayPals services. Please let me know if you need any further details or documents from me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by
the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Student loan

I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

New Complaint : XXXX XXXX, XXXX **Experian Consumer Reporting** **Violation Notice : Violations of 15 U.S Code 1681s-2** I, XXXX XXXX, am lodging this dispute directly , without any third-party involvement. It has come to my attention that Experian has violated 15 U.S Code 1681s-2, specifically ** ( 1 ) ( A ) **, which prohibits the furnishing of inaccurate consumer information to a consumer reporting agency knowingly or with reasonable cause.

Despite Experian 's prior removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly re-added some. I have consistently denied any ownership of XXXX XXXX accounts. As I have stated before, I am a victim of identity theft and have filed numerous complaints with the FTC and CFPB regarding these accounts.

Here are the details : 1. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 2 . **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 3. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX **Account Info** : - **Account Name** : XXXX XXXX - **Account Number** : XXXX - **Account Type** : Business Card - **Responsibility** : Joint - **Date Opened** : XX/XX/XXXX - **Status** : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- **Status Updated** : XX/XX/XXXX - **Balance** : {$4800.00} - **Balance Updated** : XX/XX/XXXX This violation of 15 U.S Code 1681s-2, as well as other applicable laws including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ), is unacceptable. These laws ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection.

Experian 's disregard for these laws demands immediate attention and corrective action to rectify this situation.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I received a letter from XXXX XXXX indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from XXXX XXXX connected to this false address. I contacted the credit bureaus to dispute the activity. Experian indicated they would not remove this activity from my credit report. I tried calling XXXX XXXX to dispute the report, but was put on hold and bounced from number to number for 20 minutes.
Product: Debt collection

I called to verify a debt XXXX that was on my credit at one time {$630.00}. But it is no longer on there. I disputed it before and found out the debt was sold to Midland Cred. I  called today on XX/XX/20 and Midland Cred told me I was not obligated to pay. I told them what of I wanted to pay the {$630.00} in full today. Midland Cred stated I was not obligated to pay anything due to the account was closed. The company stated they will send me a No Obligation Letter in 7- 10 days. I told him I needed the letter asap could they send it another way. They stated mailing was the only way. I told him I need the letter asap to give to my employer. They stated I could place my employer on my account so they can access it. So I placed my investigator name on account so she can access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$950.00} & {$1000.00}.

I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There is no contract, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any  documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Checking or savings account

Wells Fargo Charged me an overdraft fee even tho my account had enough money for the transaction. The transaction is for a car payment of XXXX dollars and I had an available {$100.00} in the bank. I spoke to a banker who told me there was nothing the bank could do about this mistake, because Wells Fargo had already Credited my account previously ( because of the banks mistake ). I stopped all deposits to this account which caused me to get over drafted. Wells Fargo has refused to accept responsibility. This bank has also charged me {$10.00} per month and I did not agree to this fee. I looked online and I can not find clarification. I did not sign up for overdraft protection. Also, this bank states that no overdraft dees will be applied to balances overrated for less than {$5.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Debt collection

Last summer, Suburban Credit Corporation began attempting to collect a debt I do not recognize or owe. I sought more information in XXXX XXXX XXXX, and they sent only a bill that I had never received and that in no way demonstrated that I had incurred the debt. I also told Suburban Credit Corporation by phone at that time to stop contacting me. Because this is a medical debt, I also contacted my insurance company in the summer of XXXX which told me that I have no outstanding bills and that there is nothing attached to my name that indicates I owe any money or received any treatment that was not paid for. Then in XXXX of this year, Suburban Credit Corporation again began attempting to collect the debt by mail. Contemporaneously with this complaint I am sending a letter disputing the debt.
Product: Debt collection

ive made numerous attemps to remove this account off my credit, even tried going through the company as well. This account was due to identity theft. Ive already sent documentation that was requested to the bureau
Product: Credit card

On XXXX XX/XX/year> I sent a Registered Mail parcel REF XXXX XXXX to AMERICAN EXPRESS Account ending in XXXX containing a Payment Instrument UCC 3-104 XXXX XXXXT along with a PAYMENT ORDER/Instruction UCC 4A-103. ( See attachments ) AMERICAN EXPRESS received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is mat to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The Instrument was stamped and endorsed tendered in the amount of {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. According to the Law that govern consumer transactions this debt is Discharged. 

UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. I have made multiple attempts through phone communication informing AMERICAN EXPRESS of their NOTICE OF DISHONOR. XXXX XXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received a payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and Uniform Commercial Code. AMERICAN EXPRESS has violated their fiduciary responsibilities as servicers of my Credit Line. I have a forensic Auditor at my discretion to investigate whether or not they have Securitize any portion of line of credit with AMERICAN EXPRESS.
Product: Money transfer, virtual currency, or money service

my concerns regarding Zelle disputes in light of recent CFPB lawsuit highlighting significant issues with despite using Zelle numerous of times reporting discrepancies my financial institution and failed to investigate my claims they informed me that once I send Zelle that I can not get my money back recovery laws funds was impossible and tracking these transactions was on case of all the CFPBS findings indicate that zelle has not only neglected to protect customers has also allowed repeat offenders to exploit the system leaving users to scam The lack of accountability and transparency is unacceptable and raises issues I have had claims on sale that I have went to the bank about and there was no longer able to help me once I send Zelle it's over with where is the customer safety
Product: Credit reporting

A company called XXXX is showing up in my credit report I am not familiar with this company stating I owe XXXX. Showing fraudulent. I am disputing this. I need to get a hold of this company. I want to know why is there company showing up in my credit report. This is showing up in TransunionI have tried emailing and calling.
Product: Credit reporting or other personal consumer reports

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or consent, causing substantial distress. As an identity theft victim, I've promptly reported this incident. This issue demands immediate attention due to its adverse effects on my financial standing and reputation. I request your help in quickly removing all fraudulent data from my credit report and conducting an in-depth investigation. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your swift response to this critical matter is greatly appreciated.
Product: Credit card or prepaid card

Can not get thru to the bluebird American Express company phone lines. They are holding my money hostage! And they have not returned {$57.00} back to me. After I called them repeatedly time and time again all i get is nothing they have a long waiting list and I will have to called back later. But i can leave my phone number and my name and they will get back to me but they never do.
Product: Mortgage

I have a new VA mortgage  and the loan was assigned to a new company to service the loan, Newrez. I am trying to understand their process for setting up payments online, one-time and recurring, and explore how my wife and I can both make partial payments toward covering the full monthly amount. Their phone number does not work. I tried to engage with their support Chat on their website, which took an inordinate amount of time. The representative did not address my questions, but only told me the " easiest way to make a payment ''. They told me I could call in to make 2 partial payments, but their phone is NOT working! The only response I got from the Chat was to call a phone number that does not answer. It feels like this is not a real company nor are they responsive to questions and have no way for me to call and ask or discuss. This seems like a trap, forcing me to be unable to make a payment. I'd like to know how to change servicing companies, as the one I was assigned seems unable to respond to my questions in a clear way.
Product: Debt collection

I had a vehicle repossessed that was no longer past due. According to federal law 15 U.S.C 1692f this is a violation. I submitted a case with cfpb in 2016 regarding this issue. The creditor sent documentation in their response which show the account was no longer past due, yet the vehicle was repossessed because I did not answer their calls. The account was 1 month past due and payment was received { XX/XX/2016  } 3 days prior to the repossession letter being sent { XX/XX/2016  }. The creditor also sent a breakdown of the payments showing my payment with the late fee posting prior to the repossession. CFPB, unfortunately, offered no assistance in 2016. Now the creditor is reporting the account as charged off month after month in an effort to further reduce my credit score. I never received paper work after the vehicle was sold and the balance at the time of repossession is the current balance on my credit report. It appears that the vehicle was never sold.
Product: Debt collection

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in my TransUnion file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXXXXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$140000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

Continues to do business under multiple names. 

XXXX Mortgage and Finance of America. They are closing loans under XXXX and marketing under the other. They have XXXX sets of business Cards. They work for Finance of America but advertise as XXXX Mortgage. How can someone do business under XXXX names?