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

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving repeat threats from a company called the XXXX XXXX XXXX. I have sent 3 different debt 609 validation letters to this company without a response. However today I received a call from this company and spoke with a XXXX XXXX who proceeded to be very rude and say this debt was mine and I made payments on this card and it is mine. I advised him that this debt was not validated properly. He advised me that the debt was mine and that I needed to pay it with very abusive and threatening language. I asked him was he allowed to even licensed to collect a debt in my state and he refused to answer my question. He told me that he would update my account as a refusal to pay and that they would keep calling my phone. I am outraged that this is happening to me and that I am being harassed in such manor. I did not give this company permission to call me or place this debt on my credit and this is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number:XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

Good Day, I am filing this complaint in concern with this law firm tactics to defraud consumers. In XXXX i received a ticket from XXXX due to red light camera ticket. The camera was on the light poll by the signal lights, so even when your car is turning on yellow which is yielding and we stuck in the middle and the light turn red. the camera still ticketed us. The city of XXXX had a class action lawsuit and sent us a check. I agreed to the class action lawsuit by cashing the check. To get involved the class action lawsuit lawyer sent us an agreement of all the red light camera tickets that were faulty and i signed it and turned it back in. In XXXX i received the settlement check and cashed it. My concern is this law firm represent the same red light tickets from XXXX contacting me to pay the tickets that i had got the class action check for, and on top of it after 7 years the debt is supposed to drop from my credit without any further communication about the matter. 

My question is how many people is this law firm trying to get money from us on fake tickets from XXXX faulty red light cameras from back in XXXX that were paid by XXXX from a settlement? Since then XXXX do not even us red light cameras any more. The lights are placed 15 feet behind the signal light poll to fix the matter. This is fraud. I can not pay you sir if i accepted the class action check and cashed it by agreeing these tickets were faulty. It's illegal to even talk to you after i agreed to a settlement. Stop harassing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have know knowledge of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an two dispute letters to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Product: Debt collection

I am writing to demand removal of illegal information on my report. I have not given consent, authorization, written instruction, permissible purpose to report my medical information. This is a violation of myriads of hipaa and privacy laws including but not limited to 42 usc1320d-6. It is a violation to disclose and obtain this information and I will get law enforcement involved removed immediately. I demand removal and rapid rescoring of my report. 

Consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal. This obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This violation of my rights to privacy is very serious and does come with legal implications for ALL parties involved. I am giving in good faith opportunity to cure. I waive all rights to sue if this matter is taken care of within XXXX days. 

Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA, HIPAA. This is also a violation of the criminal and tax code. 

These are also Violations of state multitudes of state laws including but not limited to FInancial services consumer privacy Act, Consumer Credit reporting agencies act, Personally identifiable information protection act, Illinois Fair Debt Collection Practices Act and health information privacy act. 

Rather than risk liability for MILLIONS in fines, fees, and penalties and injunction for these violations on the creditor, data furnisher, reporting agencies, debt collector with the FTC, SEC, CFPB, OCR, OCC, AND ATTORNEY GENERAL.. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. Have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.
Product: Debt collection

I do not know who this collection agency is as I have never been in agreement to work with them could you please provide me evidence stating that I have signed any sort of agreement with said company.
Product: Student loan

I received an email from my student loan service or telling me that I had interest due. Despite the fact that according to all contracts and information that I have received through official channels. They're even messier than before.
Product: Debt collection

A company out of XXXX, TX has called me repetitively for several months now. I finally answered to see who they are because they never leave a message. After answering this time, I was greeted by a person on the other end telling me the call was being recorded, I refused to let them record me and asked who they were. 

I learned they are a company called AvanteUSA but they refused to give me any other information until I agreed for them to record the call. I never did agree, they hung up on me. 

After a quick XXXX search, I found out they are a collection agency. The problem with that is I do not owe anyone money. This leads me to believe that they are using old debts that were forgiven/paid so they can try to collect on them anyways or they're fabricating debts to attempt to con people out of money. Either way, this would most likely indicate someone working for XXXX or XXXX is illegally providing information to them. That said, the last debts I accrued were medical and though they never appeared on my credit, they were late due to delays and were eventually paid for by XXXX. This was well over a year ago. 

Being on XXXX and XXXX, over the years there's been attempts to scam me from collection agencies, doctors, medical facilities, and every other scam you can think of that targets disabled Americans and though annoying, I've learned that if I ignore them, they eventually go away. But that is not the case with AvanteUSA as the calls have been coming in for months now even though they've never attempted to contact me by mail. That tells me they do not have anything other than my name and phone number along with some information on an old debt that has been paid off and they are trying to collect on it which leads me to believe they are one of those 'bad actors ' that the CFPB has instructed the public to report. 

Please do not provide my address to this company because I do not know who they are or who gave them my information. As well I am not asking for the CFPB to act as a mediator because I have no reason at all for this company to be contacting me. Instead, I'm asking the CFPB to open a full investigation into this company and if you can validate any claims they have against me, then and only then will I ask for mediation provided by the CFPB.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized/inaccurate accounts. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for pXXXXurpose.
Product: Checking or savings account

in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking account.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX. My mortgage with XXXX XXXX was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from XXXX XXXX and a Certificate of Satisfaction letter for this loan. 
XXXX XXXX, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( XXXX} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX of XXXX XXXX on XX/XX/2018 under XXXX XXXX XXXX XXXX. The vehicle was a used XXXX XXXX truck for sale at {$16000.00}. Shortly after purchase ( within 1 week ), the car began to experience serious malfunctioning issues. After several attempts to fix the vehicle by the dealer, and having the vehicle damaged by the dealership while it was in their care for 2, almost 3 weeks right after purchase, I requested a refund of the down payment of {$4500.00} and asked to return the car which was met with much difficulty and lies. I went through all state level procedures to file a complaint and an agreement was made by the dealership with the Office of the Attorney General Consumer Protection Division to refund me my money, take the car, and cancel the loan that was in conjunction with Credit Acceptance Corporation. XXXX XXXX, nor Credit Acceptance Corporation will corporate -- despite an agreement to cancel the loan and my purchasing of another vehicle from a reputable dealer. The car is not driveable and sits in the damaged lot of XXXX XXXX. XXXX XXXX stated that it is on Credit Acceptance to refund my money and cancel the contract. Credit Acceptance says they can not do anything until the dealership does it, and says the cancellation and refund resolves with the dealer. No party seems to be telling the truth, regardless of all the proof that the car should not have been sold. I am out of {$4500.00} for a car that does not work, that failed inspection, and I do not drive. Credit Acceptance has not been helpful at all and neither has XXXX XXXX. Credit Acceptance keeps billing me, and XXXX XXXX refuses to take their car -- they stated they won't corporate with the transaction and that they will allow it to get repossessed-something I can not afford. Neither party is recognizing that this car was sold that didn't function properly and is still holding me accountable. I have attached proof.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that personal information had been compromised. I then contacted all three Credit bureaus of the situation. There are a string of delinquent credit cards on my history. I wrote letters asking each of them to review and remove said reports. They have not. These fraudulent charges are creating impossible hurdles for me to overcome. I am terminally ill. I dont know how much longer I have to live. I need this situation attended to. XXXX, XXXX and EXPERIAN. I need these accounts removed immediately. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX $ XXXX Transunion shows {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX and Transunion. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Product: Vehicle loan or lease

Im making this complaint against the used car dealer and the finance company for listing me as co-signer without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : XXXX XXXX Based on the provided credit report information, here are the discrepancies and inconsistencies found between each credit bureau : Account Holder : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistency : The account holder information is partially redacted, making it difficult to confirm if it is the same across all bureaus. 
High Balance : Experian : {$770.00} XXXX : {$710.00} XXXX : {$770.00} Inconsistency : The reported high balance differs between Experian and XXXX. 
Monthly Payment : Experian : {$99.00} XXXX : {$97.00} XXXX : {$99.00} Inconsistency : The reported monthly payment differs between Experian and XXXX. 
Last Reported : Experian : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023 Inconsistency : The last reported date differs between Experian and XXXX. 
Past Due - XXXX  Days : Experian : XXXX XXXX : XXXX XXXX : XXXX Inconsistency : The number of past-due days ( XXXX days ) differs between Experian, XXXX, and XXXX. 
Remarks : Experian : - XXXX : Canceled By Credit Grantor XXXX : Account Closed By Credit Grantor Inconsistency : The remarks differ between XXXX and XXXX. 
Responsibility : Experian : Individual XXXX : Individual Account XXXX : Individual Account Inconsistency : The reported responsibility type differs between Experian and XXXX. 
Credit History Timeline ( Late Payments ) : There are discrepancies in the reporting of late payments ( XXXX, XXXX, and XXXX  days ) across the XXXX credit bureaus. Detailed information about specific months is not provided, so it's challenging to identify the exact inconsistencies in the timeline.
Product: Credit card or prepaid card

Received targeted mailing offer from American Express for Delta Skymiles Platinum card. No terms and conditions listed on mailer about credit hard or soft pulls required for approval. Called Amex on XX/XX/XXXX and spent over an hour talking and being transferred to 5 different people with NO ONE being able to give any clarification on a credit pull being done or not done for applying for the card. I believe this to be a FCRA violation as the consumer has no way to know if credit will be pulled or not during the application process until after approval or denial.