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

Hello, Re : Complaint Against PayPal- to use my account I have made an official complaint to PayPal and contacted them XXXX times with no avail ( XXXX times over text and XXXX time over the phone ). 

Since I went to XXXX for a work trip ( XXXX  days end of XX/XX/XXXX ) my PayPal account has been blocked/under review because I opened my PayPal app once in XXXX. It's negatively affected my business not having customers be able to pay me on PayPal the last XXXX  months which is unacceptable. 

Every time I contact PayPal over text it's AI useless responding, then many hours later transferred to a person texting " just wait we are reviewing ''. Every time I would ask them for a timeframe and sometimes I get XXXX business days my account will be activated and it has been just lies. On XX/XX/XXXX, I called PayPal on the phone and it was an AI responding not letting me talk to a person saying it will start a text with the AI for me and then hanging up on me.

No customer should have to go through this when they have done nothing wrong and just want to simply use their PayPal account. Please help. 

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

This is my first 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, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : FCRA Violation Notice and Request for {$1000.00} Fine per Violation Dear Sir/Madam, I am writing to inform you of a violation of the Fair Credit Reporting Act ( FCRA ) and to request a fine of {$1000.00} per violation, as allowed under the FCRA. It has come to my attention that your organization has failed to comply with the provisions of the FCRA, resulting in significant harm to my creditworthiness and financial well-being. 

Upon reviewing my credit report, which was obtained from your credit reporting agency, I discovered multiple instances where the FCRA regulations were not followed. These violations have caused me undue stress, financial hardship, and a loss of opportunities. I kindly request that you take immediate action to rectify this situation and impose the appropriate fines as stipulated by the FCRA. 

I would like to bring the following points to your attention : 1. You have failed to verify the accuracy of the now deleted account, XXXX XXXX XXXX. You have continuously listed the account as open when in fact the account has been closed for years. You have failed me as a consumer, and you have repeatedly lied to me about the accuracy of this account. 

2. As a result of this violation, I have denied credit, paid higher interest rates, and have been denied employment opportunities. 

Under the FCRA, each violation can result in a fine of up to {$1000.00}. Given the number of months you have reported this account as open, I request that you impose the maximum fine for this violation. These fines are not only intended to compensate me for the harm caused but also to serve as a deterrent to future violations and to ensure that your organization takes its responsibilities under the FCRA seriously. 

I trust that you will promptly investigate these violations and take the necessary steps to rectify the inaccuracies on my credit report. Furthermore, I expect you to comply with the FCRA by providing me with a written explanation of the actions taken to address these violations and the fines imposed. 

Please be aware that failure to comply with the FCRA and address this matter in a timely and appropriate manner may result in legal action being taken against your organization, including the pursuit of additional damages and penalties as provided for under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to resolving these violations in accordance with the FCRA. I expect a written response from you within 5 days of receiving this letter, confirming the actions taken to investigate, rectify, and fine the violations identified. 

Thank you for your prompt attention to this matter. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

spring oaks capitol LLC opened XX/XX/22 {$2300.00} amount of collection XXXX  reporting in accordance with the Fair Credit Reporting act XXXX Account # 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: Student loan

I called Navient due to be being unemployed and unable to make my student loans payments. The company told me it was nothing they can do for me and marked my payments as being late. I had to keep on calling 15 times a day to speak with someone who was willing to help me out. I advised that my payments were not late and that it was being reported in error. No one has gotten back to me about the error and the lack of options for struggling borrowers like me. the only option they gave me was to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the fact that Experian, XXXX XXXX have reported I have an outstanding debt with. They have failed to uphold the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Experian : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Columbia Debt Recovery claiming amount plus interest owed. They are banned from collecting debt by the FTC ( Federal Trade Commission. ) This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my XXXX.XXXX  consumer report it states. 

XXXX  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXXXXXX XXXX XXXX XXXX ( Date Opened ) ( XXXX  XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) Transunion ... ..XXXX  XXXX Services ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, XXXX
Product: Checking or savings account

Open account on XX/XX/2018 through the Citi bank official {$400.00} promotion link. Deposited {$18000.00} on XX/XX/2018. Fulfilled the requirement of maintaining a minimum balance of {$15000.00} in my linked checking and savings account for 60 days on XX/XX/XXXX. 
Still have not received the {$400.00} promotion bonus yet. 
Have chat with agents many times. I believe the promo code is : XXXX. Could you help me solve this and post the {$400.00}?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1679c, as said, I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly The credit bureau must remove inaccurate negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate wrong and incorrect names wrong address and unconsented inquiries that are posted on my credit profile. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of XXXX XXXX XXXX makes the following findings : ( XXXX ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

The resolutions of what need to be I would like this removed from my credit profile it has caused me hardship and causing me to lose opportunity 's I would like this done at once 15 U.S. Code 1681b - Permissible purposes of consumer reports This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or The Bureau of Consumer Financial Protection ( Bureau ) is issuing this compliance bulletin and policy guidance ( Bulletin ) to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Acts prohibition on false, deceptive, or misleading representations or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt, and to remind consumer reporting agencies and information furnishers to comply with the Fair Credit Reporting Acts accuracy and dispute resolution requirements, including when collecting, furnishing information about, and reporting medical debts covered by the No Surprises Act. 

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

XX/XX/XXXX I called to enroll ( re-enroll ) with '' XXXX  XXXX '' protection for comenitybank/XXXX XXXX. I was told by them that i could not enroll in the protection plan and was not given a reason. they ( XXXX  XXXX  ) referred me back to comenity/XXXX to call them for enrollment. Comenity/XXXX  referred me to the website, which would not allow me to enroll either. then referred me back to XXXX   XXXX! This back and forth game ( at my expense ) went on for approximately 2.5 hrs on the phone, from XXXX XXXX. No one would assist me or give me a straight answer! Finally I got through to the customer care resolutions dept, a complaint was sent on my behalf to the escalation dept as well. I received a call on XX/XX/XXXX, from the resolution dept who apologized to me and told me that I would be able to enroll in the XXXX XXXX program. she gave me steps to go online and enroll. I tried and could not get through. I called again to assure, who would not assist me and gave me back to call comenity/samuels. and the nonsense '' ball bouncing '' started all over again! i told them to " stop '', that I've had enough and that I was going to file a complaint! I believe the reason that they are not permitting me to enroll is because I disenrolled in XX/XX/XXXX because I had no idea that they had enrolled me without my consent in the first place and did not understand what the program was about. Also, I am filing the complaint because they are negatively reporting me on my credit -XXXX XXXX showing " closed '' acct. ( involuntarily ) because the store closed. this is causing my credit score to drop by 15 %!
Product: Credit card

My information was stolen in XX/XX/2016 i contacted capital one as well as my bank and filed a report as well as the police department. I got a final decision from my bank saying the report i filed was correct in my favor capital then closed my account and said it was incorrect which led to me owning them money and it screwing up my credit score i offered to send in the document saying it was in my favor they denied me to submit any documents this
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a public record. That has been closed for over two or three years. Said public record was paid in full. Therefore shouldnt show as a collection.
Product: Debt collection

I checked my credit report on XXXX XXXX XXXX and it showed I had a new collection on there from credit services in XXXX XXXX. 

I contacted credit services in stated to them that I have never received any communication regarding the Debt. They said that because they are not able to legally collect in XXXX  that they sent the information to my old address in XXXX  and it was returned. I had just paid off 5 other accounts with them and they had my updated address on file and new that I did not live at the address they sent the letter to. 


They are using a loophole to try to collect a debt in a state that they are not authorized to do so. 

This company needs to be looked into for several other violations as well.
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  Account # 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

On XX/XX/year>, I attempted to make contact with the credit bureau Experian in reference to an auto installment account listed on my credit report. The information in regard to this account is not reporting accurately. The amount is listed wrong, the reporting date of the account is also inaccurate. The day that I obtained my vehicle, and the date enclosed in my auto contract is different from the reporting date on my consumer report.
Product: Debt collection

My Identity was stolen and used to open multiple accounts from multiple different banks. Over the XXXX XXXX Weekend. The only Bank that refuses to do any type of investigation is XXXX XXXXComenity Bank. They say they have me on recorded tapes communicating with them asking for credit from them yet they refuse to release that information to me. I have notified them that I filed an FTC report and a Police Report and they continue to give me the runaround.
Product: Payday loan

I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. 

With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. 

See attached Notice and settlement information I am now receiving from this lender. 

XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. 
I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. 

My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. 

In violation of the California Constitution Article 13 Usury.
Product: Credit reporting or other personal consumer reports

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 Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX , GA XXXX Subject : 609 Request for Verification of Accounts and Information Dear Equifax , I am writing to you under Section 609 of the Fair Credit Reporting Act ( FCRA ) to formally request that you verify the accuracy and completeness of the information on my credit report related to XXXX XXXX XXXX . In a recent application for credit with XXXX XXXX XXXX., I was denied based on the inability to obtain my credit score due to a supposedly incomplete or non-existent credit file. This situation has prompted me to verify the details within my credit file. 

Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX. or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


3. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX Please provide me with the following : 1. Verification of any and all accounts reported on my credit file, specifically any entries related to XXXX XXXX XXXX. or any other creditor. 


2. The method of verification used to report this information and any documentation or contracts bearing my signature used to verify the validity of these accounts or any associated inquiries. 


3. If any information in my report is incomplete or unverifiable, I request that it be removed immediately as required by the FCRA. 



For your reference, my personal information is provided below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Drivers License : XXXX Enclosed with this letter are copies of my driver 's license, Social Security card, and a utility bill as proof of my identity and residency. 

I expect this matter to be handled promptly and to receive a response confirming the removal or correction of any unverifiable information within the next 30 days, as provided by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX