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

Dear XXXX XXXX, I am writing this letter to appeal the permanent limitation on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake, and I would like to request that my case be re-investigated and my account be restored if possible. 

I have been a loyal PayPal customer for several years, and I have never violated any PayPal policy or engaged in any fraudulent activity. However, I was shocked to receive a notification stating that my account had been permanently limited. 

I believe this decision was made in error, and I would like to present my case for re-evaluation. I am confident that, upon review, it will become clear that there was no basis for this limitation. 

I would appreciate it if you could provide me with any specific details or reasons why my account has been permanently limited. I am confident that I can provide any necessary documentation or information to resolve this issue and restore my account. 

I kindly request that you reconsider your decision and restore my PayPal account to its full functionality. My email address associated with my PayPal account is XXXX Thank you for your time and consideration. I look forward to hearing from you soon. 

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

I am writing to request that the following accounts and inquiries, which were opened as a result of a data breach, be blocked and deleted from my credit file in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft, these accounts were opened without my knowledge or authorization. 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4600.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit. I want these 4 erroneo
usly reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation
Product: Debt collection

My credit report shows a fraudulent collections for the I.C. SYSTEMS, INC. 
XXXX XXXX XXXX XXXX  XXXX, MN XXXX PHONE : XXXX It shows a balance due of {$570.00} for which I do NOT owe. This a FRAUDULENT BILL!
Product: Mortgage

I applied to refinance my loan. There were several barriers that I was faced with before going to closing they said there was a lien on my home. The lien did not belong to me, they said they needed to find out how money is dispersed from my 401k. After a month of sending them documentation they said I had to remove a dispute from my XXXX credit report. I had the dispute removed and told them my credit report had been update. They said having an updated credit report was not good enough and that I had to fill out a form so they can have the dispute removed. I was told my credit was not going to be pulled. My credit was pulled after I submitted the form and the loan was denied because my score went down.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX our Barclays XXXX XXXXXXXX credit card was charged {$1400.00} and {$1300.00}, respectively, by XXXX XXXX XXXX in XXXX. As neither my husband nor I made the charge or have been to XXXX  in the last XXXX  years, we immediately contested the charge with Barclays. In XXXX, we received notification from Barclays that upon investigation the charge was determined to be valid. Again we contested that this was not our charge and Barclays opened a second fraud case. My husband called XXXX XXXX XXXX and spoke to the owner who said that we were one of many to call and that the charges were fraud. XXXX XXXX sent an email stating they were fraudulent charges. The charges were through XXXX which XXXX XXXX has never used. We provided this information to Barclays. In late XXXX, Barclays denied our request a 2nd time and we opened a 3rd fraud case. Barclays also denied this case. We filed a police report with XXXXXXXX XXXX Department and filed with the XXXX  Attorney General 's Office in XXXX, XXXX. The AG was unable to help as they stated that scams are too numerous and perpetrators are too difficult to catch. 

The {$2700.00}, now with added interest, is a significant amount of money to us especially for a service we did not receive. The money along with the countless hours we have spent trying to have the charge reversed are VERY frustrating. Thank you in advance for any guidance you can provide. 

Warm Regards, XXXX XXXX
Product: Mortgage

I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX  XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?
Product: Credit reporting or other personal consumer reports

Hi, This account has been open since XXXX. The account was closed in XXXX. XXXX activity was started, and LVNV bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the XXXX, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than XXXX XXXX XXXX. The last purchase date was on XXXX I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX collection agency reporting. Please see the submitted documents. The account needs tin be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on 4 occasions via mail for dispute on inaccurate reporting of a collection account. 

This information was return verified each time. The bureau did not provide written correspondence on how this information was verified and whom they spoke with at company to confirm the information is true and correct in accordance with the FCRA, Public Law 91-506 Title VI, Section 611, subsection A-D. 

This information report on my Experian report is inaccurate and reports a false representation and injurious to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccuracies that requires an immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation .The company this letter is addressing is XXXX XXXX with the account number XXXX
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Keeps calling me with a robot auto caller, I have told them several times I am on do not call list, they need to send paperwork through mail, yet they keep calling my pre paid cel phone costing me needed minutes.
Product: Debt collection

PHOENIX FINANCIAL XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honour all request of documentation.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2013 a district court Judge ruled in my favor, XXXX XXXX XXXX XXXX, for my house to be given back to me because Wells Fargo trustee for XXXX mortgage services had no legal standing in illegally for losing on my home, n also, I never signed for my home to be refinanced. I was a victim of identity theft, the documents were all proven to be forged. And neither XXXX mortgage attorney in fact for XXXX XXXX XXXX. Had no legal standing. I deeded my home to a family member. I just recently learned per my family member, the home I gave to her in which the deed was registered n certified with the deeds office, was stolen from her without her knowledge without knoticefication. I learned that Wells Fargo trustee for XXXX mortgage servicing, deceitfully and illegally stole the property and sold it to an unauthorized trespasser through a realtor using a very crooked forecloure attorney firm in MI. They never returned my escrows, or monies they illegally took from payments on this fraudulent mortgage. I am bringing this matter to your attention as I am requesting actions be taken immediately monies returned property returned along with punitive damage as soon as possible. All of this was done without knowledge without notifying by use of fake, forged, n fraudulent documents to the court. This can not go on. The person that living in the home is illegally trespassing, and Wells Fargo, XXXX mortgage illegally trespassed into a property that was not theirs.
Product: Debt collection

LVNV Funding is a company I never had any dealings with. I want this company off of my credit. Every time I dispute they put it on a different credit report.
Product: Mortgage

Newrez is a debt collection agency recently into the VA loan ( and government backed loan ) business. I refinanced out of Newrez on XXXX XX/XX/year>, because of their negative behavior. I asked to split the monthly payment into two parts and they said they are a debt collection company and I will pay the way they tell me or they will foreclose. The only reason they are in the mortgage business is to foreclose. I reported this to Newrez main office and they said they would look into it and get back with me. They never did. 
Closed on a refinance on XXXX XX/XX/year>. On my XXXX Statement my escrow balance was {$8300.00}. Newrez disbursed {$880.00} to XXXX insurance leaving a balance of {$7400.00}. Newrez sent me a disbursement of {$1400.00} Which included an Escrow Refund of {$1200.00} and an unapplied disbursement of {$220.00} leaving a balance due of {$6000.00}. 
Have requested a refund on four seperate occassions, once they replied ( in writing ) they would look into it, they have never addressed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX and Incorrect accounts on my credit report. I am a victim! 

A Huge security breach at credit reporting company XXXX has exposed sensitive information, such as social security numbers and addresses of up to XXXX XXXX Americans. THE BREACH HAPPENED IN BETWEEN XXXX XXXX TO XXXX XXXX AND XXXX IS JUST NOW MAKING THIS PUBLIC XXXX XXXX, XXXX. 

Unlike other data breaches, those affected by the breach XXXX not even know they 're customers of the company. XXXX XXXX XXXX XXXX is XXXX of the XXXX nationwide credit-reporting agencies that track and rate financial history of consumers. The company gets it 's data from credit card companies, banks, retailers, and lenders -- sometimes without me knowing and WITHOUT MY CONSENT! 

The data breach is among the worst ever because of the amount of people affected and the sensitive type of information exposed. My personal information was exposed including my social security number, date of birth, credit card numbers, addresses, phone numbers, and dispute documents. 

XXXX has confirmed and claimed that as many as XXXX XXXX people in the United States were hit. Others in the XXXX and XXXX were also impacted, but XXXX has n't said how many. Credit card numbers for about XXXX XXXX customers were compromised, in addition to " personal identifying information '' on about XXXX XXXX customers. 

I have been disputing incorrect accounts on my credit report since XXXX of XXXX and XXXX did not notify me in the mail stating that my personal information and dispute records were breached. XXXX jusst informed the public XXXX XXXX, XXXX when this unauthorized and breach happened in XXXX and XXXX XXXX. XXXX confirmed and claimed that the criminals " exploited a XXXX website application vulnerability to gain access to certain files. '' The company has n't clarified who is behind the data breach, but noted that an investigation is ongoing. 

XXXX is proposing that i sign up for credit file monitoring and identity theft protection for XXXX year. Doing so by signing the proposal and service voids my participation in a class action lawsuit. I will not consent or sign anything XXXX has to offer. The company operates in fraud and my reasons are the following : 01. IT WILL LOCK ME INTO BINDING ARBITRATION CLAUSES IN THE AGREEMENT 02. ENTERING INTO THAT AGREEMENT WILL LIMIT MY REMEDIES 03. ARBITRATION IS ONE-SIDED WHEN IT COMES TO BIG COMPANIES 04. ARBITRATION TAKES A LONG TIME 05. ARBITRATION ALLOWS XXXX TO MANIPULATE THE PROCESS 06. MY DATA WAS BREACHED AND EXPOSED I CAN SUE XXXX  FOR A SUBSTANTIAL AMOUNT OF MONEY. 
07. WHO HAS MY DATA NOW AND AFTER THE BREACH? EQUIFAX DOES NOT KNOW! 

As a Secured Party Creditor I will be filing the following against XXXX : AN ADMINISTRATIVE CLAIM FOR DAMAGES, A TORT CLAIM AND COMMERCIAL LEIN AND THE ONLY WAY THE LIEN CAN SATISFIES IS : TO PAY IT! OR A TRIAL BY JURY. XXXX DOES NOT A TRIAL BY JURY! THIS IS WHY THEY WANT ME TO ENTER ARBITRATION.
Product: Credit reporting or other personal consumer reports

Experian kept an old late payment, which was not my responsibility, on file and show it as if it is current. 

I bought a home in XX/XX/XXXX with a loan. I setup an autopay for it. The loan was sold to the current lender ( XXXX  ) in XX/XX/XXXX, in the first two months they kept the old system, so my autopay went through successfully. On the third month, XX/XX/XXXX, they stopped the old system, but without notifying me the change in time, so I got caught in the middle for a one month late pay, but when they reached me eventually I made the payment right away and never had any late payment anymore. 

This late payment are not showing on other credit bureau 's report, but Experian keep showing it and as if the late payment is current. 

This issue cost my Experian credit score XXXX points lower than the scores from other two bureaus.
Product: Credit card or prepaid card

I reported three of the transactions as fraud on XX/XX/2019 - XX/XX/2019 XXXX XXXX - {$200.00} XX/XX/2019 - XXXX XXXX XXXX - {$150.00} XX/XX/2019 - XXXX - {$260.00} In fact I was also told on XX/XX/2019 by barclays customer service to send a letter regarding XXXX XXXX and XXXX and state in the letter that these are fraudulent transactions, which I sent by first class mail. 

In the last month of XX/XX/XXXX and XX/XX/2019 I did a lots of transactions with this Barclays Card and gave a lot of business to this credit card and this is what I am getting in return. 

I called today at XXXX XXXX XXXX  time at XXXX to know the status of my fraudulent claims, an American white guy picked up the phone - full of attitude, when I asked him about the status of the claim, this XXXX guy shouted on me and said it can take up to a month, I asked him if you have received my letters sent by first class mail, to which he asked me to place me on hold, and he placed me on hold forever which is continuously saying " Our relationship manager will be right with you ''. 

I made a huge mistake that i started using this card as I did not expect this third class service from this credit card. I will never use this credit card again.
Product: Mortgage

city mortgage [ need I say more ] they have engaged in fraudulent practices that have cost consumers amazing amounts of money for their own gain ... ilegaly
Product: Checking or savings account

I would like to reopen my FRAUD CASE CLAIM # XXXX with Chase bank XX/XX/2022. I have collected evidence supporting my claim that there were several unauthorized fraudulent transactions all occurring XX/XX/2022 listed below in chronological order for your review. 

XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by XXXX XXXX via email that someone accessed and compromised my email account. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 
XXXX. XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I was alerted by Chase XXXX with XXXX Team from Chase Bank that XXXX, who was unauthorized by me, was added as a Chase XXXX with XXXX recipient by an authorized fraudulent email address XXXX. 
XXXX. XX/XX/2022, I was alerted that an unauthorized fraudulent email address XXXX unauthorized fraudulent transaction # XXXX transfer via XXXX in the amount of {$1000.00} to an unauthorized recipient XXXX. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX in the amount of {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXXXXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 

Please approve my fraudulent claim case # XXXX and return my money that was stolen from me immediately to my account in the amount of {$1000.00}.