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

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for XXXX XXXX. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

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

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 selection 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, other than records of conviction 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: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

On XXXX XXXX Citizens bank offset a business loan debt from my personal account ending in XXXX. Citizens bank took {$3000.00} that was sent to me from a family member to pay my mortgage and applied it to a business loan for an LLC. The business is a Limited Liability Corporation and I did not give Citizens bank permission to use funds from my personal account to pay the debt. I have a business account that is attached to the loan via my XXXX number. My personal funds are protected by the veil of the Limited Liability Corporation. Just because the business owes a debt, the LLC origination protects the companies members. The business is not set up as a Sole Proprietorship so the offset was illegal. I will be filing a complaint with the FTC as well as the attorney generals office. I feel that the bank overstepped their authority and enforced an illegal tactic to steal money from a personal account. I am demanding that the funds are deposited immediately as this has caused a significant hardship on my family. If any fees are accessed during this process, I will be seeking legal action to recoup the fees as well. This is an abuse of power and trust and I will no longer be doing business with Citizens bank and I will be informing all of my network of Citizens Banks greedy practices
Product: Vehicle loan or lease

To whom it may concern, This is a letter to inform you of the practice of Well Fargo Dealer Services. On XX/XX/2012, I took out a loan for a vehicle for {$9800.00}. The loan was for 48 months. However, I paid off the loan before the due date. 

This year, I received a letter dated XXXX XXXX from Wells Fargo Dealer Services with a check attached in the amount of {$200.00}, stating that they gave me a higher interest rate than it should have been. The difference was 1.016 % higher. 

I did not receive any calculations or methodologies for how they calculated the new rate to determine if this is the correct amount. 

I would greatly appreciate it if you can help determine if this is sufficient and if there are any other fines or penalties that should be added due to their negligence. 

Most importantly, I just wanted to make this issue made aware of to your department for investigation and/or follow-ups. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continue to add this account to my profile. This is the 3rd time, and the bill has been removed each time. 

This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX Privacy Act of 1974 Violations EXPERIAN 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration XXXX ( XXXX ) Conditions of Disclosure Cybersecurity breaches of Government Computers Delete unauthorized Bankruptcy Dear, Experian I obtained my credit report online. There was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If Experian can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file The Bankruptcy Court has mailed me a letter which Empathetically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/ or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds, nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Court confirmed ( EXPERIAN ) has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated wile they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to consumer, and most cases, incorrectly, Considering the following information indicating a Fair Credit Reporting Act Violation.
Product: Credit card

Fraudulent application for credit with Capital One Walmart Rewards Card was attempted using stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX STORE CARD WAS OPENED ON XX/XX/XXXX. 
I NEVER HAVE SHOPPED OR OPENED A CREDIT CARD WITH XXXX STORE. 

THE XXXX STORE CARD WAS CLOSED BY CREDITOR XX/XX/XXXX THIS XXXX CARD WAS NOT APPLIED BY ME NOR USED BY ME.
Product: Credit card or prepaid card

I was contacted by phone by a scammer XX/XX/XXXX. I fell for the scam and provided my card information to them for the amount of {$1900.00}. After researching this merchant, I determined it was a scam and contacted my credit card company by mid XX/XX/XXXX. Initially they reversed the transaction but then since the merchant provided the information they applied it again. I called several times and was told that it was improperly filed as a fraud and could no longer be filed as a dispute. I have mailed emails and provided information this exact scam being on the XXXX. I have requested recording of the phone calls I have had because I am not the one who sent it to the fraud department. I have consistently been told to contact the merchant, a scammer does not care and wont refund the money although I have requested them to as well.
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and the inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to resolve errors in reporting. XXXX XXXX has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with XXXX XXXX I have disagreed with their findings and have requested with support documentation that XXXX, Equifax and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, Equifax, XXXX  and XXXX XXXX my last request was mailed 45+ days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.
Product: Mortgage

XX/XX/year> I spoke with XXXX XXXX at XXXX in XXXX Florida regarding obtaining a mortgage and she claimed that given my son and I are from XXXX that our nationality is not supported for loan applications. I HAVE A SSN but he is applying for a XXXX number ( which I also have ). She claimed that their Mortgage company based in XXXX when I used to work ( see XXXX ) openly discriminates against people and will NOT accept an FEDERAL GOVERNMENT IRS ISSUED XXXX NUMBER WHICH IS EQUIVALENT TO A SSN. I have a SSN number and she wont accept that as someone from XXXX. Yet a consumer credit check can be done on both of us in the U.S. and in XXXX by the same XXXX credit bureaus in XXXX and the XXXX XXXX, XXXX and XXXX. 

XXXX XXXX XXXX Phone Icon ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer. 

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 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 I wish you to permanently remove these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all 3 of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Details of the Complaint : I am filing this complaint regarding the unresolved dispute of inaccurate information reported on my credit file by Equifax and furnished by XXXX XXXX XXXX Below are the key details and concerns : Account in Question : Creditor : XXXX XXXX  Account Number : Ending in XXXX Dispute Confirmation Number : XXXX ( from Equifax ) Reason for Dispute : I disputed this account due to the inaccuracies surrounding its reporting. The account is currently marked as a charge-off with a balance of {$6200.00} and a date of delinquency of XX/XX/XXXX. However, I provided documentation to Equifax demonstrating issues with the reporting, which may include identity theft or procedural inaccuracies by the creditor.

Equifax Investigation Results : Equifax responded to my dispute stating the account was " verified as reported '' without sufficient explanation of how the reinvestigation was conducted. The report indicates that changes were made to fields such as " date of major delinquency first reported, '' yet the core issue of the inaccurate charge-off and balance remains unresolved. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax failed to provide a detailed explanation of the investigation conducted and did not offer the option for further dispute resolution steps through alternative means. 
XXXX XXXXXXXX failed to accurately verify and address the account 's reporting during Equifaxs investigation. 

What I Am Seeking : A thorough investigation into the reporting practices of XXXX XXXX  regarding this account. 
Validation of the account under FCRA guidelines, including a request for the original agreement and supporting documents from XXXXXXXX XXXX  XXXX 
Correction or removal of this account from my credit report if it is found to be inaccurate or unverifiable. 
Documentation Attached : Dispute results from Equifax dated XX/XX/XXXX, indicating the account was " verified as reported. '' Supporting documents provided during the initial dispute ( e.g., receipts, identity theft claims, or other relevant evidence ).
Product: Debt collection

I've recently received a copy of credit report and noticed inaccuracies and an unauthorized account and information reporting to my credit report. I have never had a XXXX account, this is a fraudulent account and have already reported fraud yet third parties XXXX XXXX and Unifin are still trying to collect a debt that is not mines. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by Capital One Background : First Request : Submitted to Capital One on XX/XX/2024. 
CFPB Request : Submitted on XX/XX/2024 after Capital One ignored the first request. 
Response : Both requests were denied and ignored by Capital One Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with Capital One. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy.

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer.

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - Capital One did not acknowledge or act upon my initial opt-out request submitted on XX/XX/2024. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/2024, which was also denied. 
- Capital One has not provided the required option to opt out nor protected my rights as mandated by law.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX