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

Dear PayPal Customer Support, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

First and foremost, I want to emphasize that I have always strived to abide by PayPal 's policies and guidelines diligently. I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. This situation has left me perplexed and distressed. 

I kindly request that PayPal conducts a thorough re-evaluation of my account 's limitation. I believe that upon further investigation, it will become evident that there has been no violation of PayPal 's policies from my end. I am committed to resolving any issues or concerns that may have led to this decision, and I am willing to provide any necessary documentation or information to support this appeal. 

My PayPal account has been an essential tool for me in managing my finances and conducting online transactions. Losing access to it has caused significant inconvenience, and I would like to see a fair resolution that restores my account 's functionality. 

I understand that PayPal 's primary concern is to maintain the security and integrity of its platform. However, I respectfully request that you give me the opportunity to clarify any misunderstandings and rectify any potential issues that may have led to this unfortunate situation.

I appreciate your attention to this matter and kindly ask that you expedite the review process to minimize any further disruption to my financial activities. Please feel free to contact me at XXXX if you require any additional information or clarification. 

Thank you for your understanding and cooperation. I look forward to a prompt and positive resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has sent me a letter which states I owe XXXX in charges to PNC Bank. They reference the account as XXXX, as of XX/XX/2022. 

XXXX XXXX XXXX was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that XXXX XXXX XXXX remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. XXXX XXXX XXXX should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.
Product: Credit card

On XX/XX/2023 I discovered my United Chase credit card was missing. Upon contacting Chase I learned that transactions were attempted to include {$15000.00} for a XXXX  watch at XXXX ( Jewelers ) followed by {$6000.00} at XXXX XXXX. I also filed a police report. Despite the uncharacteristically large size and content of this purchase Chase accepted the first transaction at XXXX ( while declining the second at XXXX XXXX ). Chase subsequently conducted a series of investigations in which they claimed to have found compelling evidence I participated in the transaction ( without explaining how ). This opinion contradicts others which were revealed to Chase over the last few months including those of XXXX 's store director, who attested she observed video which revealed the purchaser to be a ( different ) individual who had defrauded multiple XXXX locations along with the police detective assigned to my case ( whom Chase declined to reach out to ) attesting to the veracity of my claim and absolved me from involvement. As things stand almost XXXX months after the occurrence Chase steadfastly refuses to label the occurrence as fraud.
Product: Credit reporting or other personal consumer reports

This is the 5th time I have reached out about these inquries I also went on XXXX website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected
Product: Checking or savings account

I opened a checking account in Citibank on XX/XX/XXXX, and deposited {$50000.00}, and maintained that balance for 90 days, as required by the promotion at the time, which claimed to XXXX a cash bonus of {$500.00} if the actions described above were done. 

On XXXX, XXXX I called to verify that the terms were fulfilled and that I could move the balance to another account and that I should receive the money soon. They confirmed both inquiries positively. 

As months passed without any deposit from them, I called again. I was told that it was a matter of time but that I in fact should receive the cash bonus. 

However, starting XXXX, the bank started to claim that they did not keep record of promotions older than 6 months and therefore required me to send the terms and conditions of the promotion in question to receive the money. 

This is a fraud. I kept thousands of dollars in an account that gave almost no interest to receive the benefit that they have not fulfilled. Their claim is also a lie since even I have access to tens and conditions of promotions older than what they claim : https : XXXX
Product: Credit reporting or other personal consumer reports

I have included proof that these accounts are inaccurately report as delinquent accounts. One bureau is reporting accurately and the other is not. This tome sounds like a billing error.

For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Credit card or prepaid card

Today I made a payment to my credit card using a checking account that I've used in the past. Capital one restricted my account and when I called them they wanted me to call my bank with them on the phone to verify my bank account was mine. To complete the request, I would have had to give the bank my social security number, date of birth and other private information with the Capital One representative on the line. I didn't mind calling the bank, but it is very strange that the representative wanted to stay on the line why I shared that personal information. They wanted bank account numbers and account numbers as well. I requested that the bank rep call me privately so they may have the info they need to verify that I am me so they could share with Capital One that this was my account. Capital One would no longer allow me to use my credit card or make a payment to my account because I would not call my bank with them on the line and share that info. I do not understand why a company would put me in a situation for my personal information at risk. The most interesting part is when I refuse to do this I requested they close all my Capital One accounts which they were happy to do without verifying who I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Debt collection

Complaint Summary Jefferson Capital Systems , LLC has placed today XX/XX/year>, a collection account on my credit report for an alleged debt originating from XXXX  in the amount of {$2800.00}. I was never contacted regarding this debt before it was reported to the credit bureaus, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Issues with the Debt Collection and Credit Reporting 1. No Prior Notice or Validation Opportunity : I have never received any letters, phone calls, or other communications from Jefferson Capital Systems , LLC before they placed this collection account on my credit report.

Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must send a written notice within five days of their first communication informing me of my right to dispute the debt. Since I received no communication, I was denied my right to dispute and request validation.

2. Debt is Beyond the Statute of Limitations : The alleged debt is over seven ( 7 ) years old.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) ), negative credit information can not be reported after 7 years from the date of first delinquency. 
If XXXX XXXX XXXX is re-aging this debt or misreporting the delinquency date to keep it on my credit report longer, this is a serious FCRA violation. 
3. Potential Unlawful Reporting & Re-Aging of the Debt : If XXXX XXXX XXXX has altered the date of first delinquency or misrepresented the age of the debt, this is a violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ).

Creditors and debt collectors are prohibited from furnishing inaccurate information to credit bureaus.

4. Failure to Provide Debt Validation Upon Request : I have since contacted XXXX XXXX XXXX, demanding validation of the debt, but they have failed to provide any documentation proving their legal right to collect this debt.

Under 15 U.S.C. 1692g ( b ), they must cease collection efforts until they provide proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I sent letter to a letter to Southern Management Systems on XXXX/XXXX/15 asking for validation of XXXX accounts. I sent another letter to them on XXXX/XXXX/15 when I noticed I had n't received a response from them. To date, there has been no response and they continue to report and update this account with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding XXXX  Transunion and XXXX mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with XXXX  and XXXX handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my XXXX Transunion and XXXX credit report : Account Name : XXXX XXXX XXXX ( This account was removed then put back on my account hindering me from getting a mortgage loan I was denied for and also denied trying to get an apartment and credit cards. ) Despite submitting evidence to support my dispute, XXXX Transunion XXXX failed to conduct a proper investigation. Specifically : 1. 2. 3. Sham Investigations : XXXX Transunion XXXX failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from XXXX Transunion XXXX was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that XXXX Transunion XXXXmay have improperly reinserted information I previously disputed deleted and believed to be corrected. 
XXXX Transunion XXXX actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. 2. 3. 4. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If XXXX Transunion XXXX or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If XXXX Transunion XXXX can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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: Money transfer, virtual currency, or money service

In my Venmo account money got transferred to an inactive account. I reported it and it has lingered on for almost! 2 weeks now. I have been promised multiple times it would be corrected. I also have emails saying my account would be unfrozen. No one seems to want to or care to help
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I have not attended college since 1995 both XXXX  XXXX   XXXX  and Experian are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how everwood XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Product: Checking or savings account

I opened a checking account thru XXXX XXXX XXXXXXXX with a {$300.00} bonus promo. I got a checking account but when i called to ask, they said the promo was not attached to my checking, and that there is no way to add my promotion back to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankrupcy on my credit via online and in the mail. Transunion is the only credit bureau that cotinues to claim they have verified this bankruptcy. I have sent out a letter requesting physical proof or signature that this is my bankruptcy. They have failed to do so but have sent me a letter saying the verified the information thru the courts. So I made an appointment and went to the courthouse to obtain my own prtoof that this is not my case. In addition it's against the law to put incorrect information on someones credit. So this is my last complaint because the next step is filing in court so transunion can provide proof that they legally verified this claim. Whats sad is EVERYONE knows that the court does not provide information to third parties. None of the creditors listed are on my credit report because they saw that the accounts were created fraudulently.
Product: Credit card or prepaid card

Wells Fargo is dragging their feet in processing my dispute with XXXX XXXX. I have spoken with my dispute specialist XXXX XXXX XXXX-3 times in a four month plus period about this particular dispute. I have not heard from her since XX/XX/XXXX when she was going to reach out to the merchant. Even with Covid-19 this time frame is unacceptable and I have no way to directly contact Ms. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

ENHANCED RECOVERY COMPANY XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting Capital One to XXXX the account that is in my name as result of Identity Theft.
Product: Checking or savings account

Asked for XX/XX/XXXX for my rights per The California Consumer Privacy Act of 2018 ( CCPA ) My right to know about the personal information AMEX Savings and Credit Card has collected about me and how it is used and shared ; My right to delete personal information collected from them ( with some exceptions ) ; My right to opt-out of the sale or sharing of their personal information ; and And I am subject to discrimination for exercising my CCPA rights. 

It has been over 5 weeks since asking for this information Full access to my legal rights under CCPA - Personal information Name Address Telephone email Social security and any other identification used by AMEX that has been subject of their dispute with me since XX/XX/XXXX account opening
Product: Consumer Loan

I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :
Product: Credit reporting

I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.