23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and Im completely clueless as to why this is happening. I routinely check my credit report, but today, there were unexplained discrepancies. I even tried refreshing the browser, thinking it might just be a glitch, but nothing changed. These inaccurate accounts remained no matter what I did. I am pleading for the documents Ive provided to be reviewed meticulously so I can finally stop worrying about this.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready 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. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Credit reporting or other personal consumer reports

I disputed 32 hard inquiries with each company and they claimed that they sent letters to the 3- bureaus but once I notified them a month or so later the companies said I had to contact the 3 bureaus to have the hard inquiries removed but they gave me the run aroundIve been trying to dispute these hard inquiries since XXXX. My credit report been under fraud since XXXX XXXX still a victim of fraud. I was XXXX XXXXXXXX  from XXXX XXXX potential negative item came from my old bank XXXX XXXX  which I had hooked my bank card to XXXX XXXX  and was a victim of fraud,. Someone did an overdraft of {$500.00} and the fees made it {$13.00} and something dollars which I disputed and won. XXXX XXXX  put the account at XXXX but did it as an charge off when it wasnt. XXXX points were taken from my credit score. I disputed that but nothing happened. Can you help me because this is stressing me out. Thank you and have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting without my issue being resolve and am not being tooking serious. At this time again you are in violation of my consumer protected law by knowingly furnishing these accounts on my profile. My last complaint clearly stated I did not give these companies written or verbal approval to Inquire on my credit profile, or the permission thereafter to furnish these on my behalf. I don't have any knowledge of these transactions. You and these companies are in violation of my rights stated below and would like these inquiries removed immediately. This account is under litigation! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 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, credit repair services, or other personal consumer reports

On XX/XX/2018 Your Transunion received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, 11.XXXX XXXX XXXX  # XXXX . Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX, I electronically transferred {$78.00} from my Bank of America ( BOA ) checking account, to my daughter 's BOA checking account. The internet stalled as I waited for XXXX ( the entity that BOA uses for online transfers ), to zap that {$78.00} from my account to my daughter 's. I got an error message about XXXX not being able to make what XXXX stated would be a duplicate request. But XXXX slowly confirmed my transaction was done. As I checked to see what was done, I saw XXXX had made THREE {$78.00} transfers totaling {$230.00}! So I called the BOA customer service number of XXXX, only to get that now usual recording of live agents being busy with other customers. I hung up and asked my daughter, who lives with me, to try to correct the error by just returning {$150.00} back to me, though XXXX/BOA. My daughter did that, and got a BOA confirmation notice of the {$150.00} going to me. {$150.00} was taken out of her account. But MY account still just showed {$230.00} missing! So I called BOA again on the XXXX, and again on the XXXX, and again, again, again on other dates/times. I got different, ineffective, inefficient responses each time. Here 's what was said : I needed to set up my XXXX service to include my e-mail for transfers ; did that, to no avail ; so it was then, I need to speak directly to XXXX ; got transferred to XXXX, just a talking robot, no live person who could help me resolve the problem ; then it was, I need to let BOA investigate ; at some point I had sense enough to say I neeeded to file a dispute/claim ; BOA said my claim was filed, but I see no such claim ; and an agent said during BOA 's investigation, I would have my {$150.00} restored to me today, XXXX XXXX, but of course, not so ; now BOA agents say I'll have to wait until maybe Friday, XX/XX/XXXX, for their investigation to end and for me to thus, get back my {$150.00}! This is outlandish, since when customers have disputes outside of BOA, customers get fast results - missing monies are quickly credited while BOA investigates. But when BOA or its XXXX entity is at fault, customers wait, wait, wait, to no avail. And customers can't even see any evidence of claims filed! Sounds like BOA just likes to cover up its mess-ups, at its customers ' expenses!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a credit union made a hard inquiry on my credit report. This was a mistake, as I did not give them consent to do so. I immediately contacted them, and they said they would try to have it removed. I also disputed the inquiry with Equifax. Equifax immediately denied the dispute. The credit union has tried to remove the inquiry ( with much difficulty ), and at their direction I again disputed the inquiry in XXXX ( which was again immediately denied ). The credit union notified me on XX/XX/XXXX that they did not see it appearing on their end any more. However, I checked my credit report on XX/XX/XXXX, and the inquiry is still there.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Checking or savings account

This is so unfair! Its also unacceptable and unconscionable! 
The three NSF fees charged on XX/XX/XXXX were all for transactions that were completed when the account was positive - right after my payroll deposit was made on the XXXX of XXXX but due to a banking holiday - Labor Day - Chase accounted was pushed back by a day ... ..AND I HAVE TO PAY THE PRICE!!!! 
If any NSF fee should have been charged, it should have been for the {$480.00} transaction to XXXX XXXX ONLY!! 
This is highway robbery!!!!!
Product: Bank account or service

I went to the citibank branch at XXXX XXXX in, nyc to open a secured credit card.The manager processed the paper work and in informed me it takes three weeks to go through.I was told after that I would receive the card in the mail. 
Three weeks later i did not receive the card, I called the bank and was told my application was lost, Now this is showing up on my credit report as a hard inquiry .I declined doing any further business with them after they lost my application.I want this removed from my credit report. thank you
Product: Debt collection

I was incarcerated when the account was open I sent them evidence of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a alert on my cell phone on XXXX/XXXX/XXXX that a new inquiry was added to my report.
Product: Credit card

XXXX XXXX, XXXX contacted by a credit reporting agency warning me that my credit rating was being adversely affected by carrying a large credit card balance. Contacted AmEx and discovered a balance of {$31.00}, XXXX had accumulated from XX/XX/XXXX to late XXXX, XXXX even after the customer service representative had removed all penalties, late fees, interest charges, finance charges, etc. Paid the account balance down to XXXX in early XXXX, XXXX. 
XXXX, XXXX contacted AmEx regarding the liquidation of my Reward Dollars ( RD ) account on XX/XX/XXXX without paying off any charges, and thus, without my consent. Bumped up several layers of management and finally informed of AmEx 's irresponsible approach to RD accounting and convenient, predatory RD policies. The AmEx manager promised to 1. ) investigate the res ipsa loquitur miscommunication that occurred via chat and phone on XX/XX/XXXX, XXXX. ) determine the approximate value of the XXXX account via a process of reverse engineering, and XXXX. ) remove all penalties, late fees, interest charges, finance charges, etc. during his investigation. Either the investigation was not performed, or the results were not communicated to me. Technically, if no investigation was performed, then the non-removal and further accumulation of penalties, etc. is explained. Unclear if this represents negligence, promise failure or both. 
XX/XX/XXXX e-mail from AmEx that " Uh-oh [ my ] XXXX has decreased. '' In the past, never cared too much about my credit rating. The few times I bothered to look it up was always in the high XXXX 's, but after the " Uh-oh '' e-mail decided to look up my XXXX score : XXXX! Why did AmEx send me an e-mail about my XXXX score on XX/XX/XXXX? I considered my AmEx account cancelled on XX/XX/XXXX and even AmEx considered the account closed on XX/XX/XXXX. Sending me a dramatic e-mail about my XXXX score on XX/XX/XXXX makes no sense. How much of the precipitous fall in my credit rating was due to AmEx mismanagement of the XXXX XXXX account ending in XXXX? 
Today ( XX/XX/XXXX ) contacted AmEx ( XXXX ) regarding the {$1.00} interest charged to my XXXX XXXX XXXX ( technically dead but remains a nightmare walking ) account. XXXX reassured me that the charge would be removed along with the threat of a $ XXXX XXXX 's Apprentice from XXXX late fee and the XXXX XXXX of 30 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows XXXX XXXX : The XXXX XXXX reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

I paid a CASH down payment of {$1700.00} for my car on XX/XX/XXXX of 2019 and they classified it as CREDIT which is not true
Product: Debt collection

I am filing a complaint against Universal Account Servicing for the following reasons : 1. Failure to Validate Debt : Universal Account Servicing violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by failing to validate the debt. They did not provide : Proof of assignment from XXXX. 
The original loan agreement with my signature ( wet-ink signature ). 
A complete chain of title demonstrating their legal right to enforce the debt. 

2. Misrepresentation and Deceptive Practices : Under 15 U.S.C. 1692e, Universal Account Servicing misrepresented their legal right to collect on this debt without proper validation, engaging in deceptive practices. 

3. Improper Collection Practices : Universal Account Servicing continued collection efforts without validation, violating 15 U.S.C. 1692d ( harassment or abuse ) and 15 U.S.C. 1692f ( unfair practices ).

4. Violation of the Truth in Lending Act ( TILA ) : Universal Account Servicing failed to disclose key information about the loan terms, transfer, and repayment terms, violating 15 U.S.C. 1601 et seq..

5. Breach of the Uniform Commercial Code ( UCC ) : Under UCC 3-203 and UCC 3-301 , Universal Account Servicing has not demonstrated they are a " person entitled to enforce '' the instrument. Without proper endorsement and assignment, their collection efforts are invalid.

Violation of CFR Rules and the Securities Exchange Act : If the loan was securitized, Universal Account Servicing failed to comply with 17 CFR 229.1121 ( Regulation AB ), which requires disclosures for asset-backed securities. 
Their fraudulent collection efforts also violate Section 10 ( b ) and Rule 10b-5 of the Securities Exchange Act of 1934.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Last name is XXXX. TransUnion is refusing to update my last name from XXXX even though I have called numerous times and have provided all documentation they requested and last I spoke with TransUnion they said they could not update it. This is frustrating that I can update my own information to be correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has made several errors in the past several years with combining my twin sisters credit information with my information and merging our accounts together after requesting the accounts be fixed. I have tried to refinance my home on 3 occasions. Each time I have been denied due to inadequate credit information. This happened in XXXX when I bought my home. Again XXXX when I attempted refinance, and now again XX/XX/XXXX when I was trying another attempt to refinance before interest rates increased. I could have refinance in XXXX with a lower interest rate if the information was correct in the system. I have been on the phone at least 5 times with Transunion and supervisors in there special unit department. The most recent dates and talking with 2 people each date is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am currently unable to even pull a report now because they have given me my sisters SS # and made her name my alias now. So now I am no longer able to pull a credit report, because they say I am unable to be located. I have received a credit in the mail twice with my name on it and now her name on it with using XXXX social security number, sometimes hers and sometimes my correct number. They have really made this very confusing for the creditors. Each time I call Transunion, they report the error has been fixed, however that is not true and the situation continues to escalate. I need the two names and SS # been recognized as two separate individuals and have the correct credit information under the correct person!!!!! My next step will be legal due to the prevention of my ability to refinance etc!
Product: Mortgage

I received a bankruptcy discharge of the promissory note on my home. The lien remained. At some point, the lien was sold to XXXX, now known as Shellpoint. Shellpoint began sending me collection letters even though my loan had been discharged ( numerous FDCPA violations ). I contacted Shellpoint and asked them if they wanted to negotiate a new promissory note. They said yes and thus began my new nightmare. They sent me through their loss mitigation department. That department would ask me for documents. I sent all the requested documents. Then they would tell me I was missing documents. So I would resend the documents I already sent. Then they would tell me my earlier documents had expired because I took too long to send them documents I had already sent to them. This cycle has happened multiple times. When I submit the documents, I send by email, fax, and mail. I have records all every document sent, the manner sent, and the date sent. A few times they have threatened foreclosure because I " failed '' to send in required documents. I then resend, along with proof that I have previously sent them. Recently I received the same foreclosure threat, and called them. They told me " you are missing some documents ''. So I sent in my documents. Again. Yesterday, I received a notice that my house is up for foreclosure auction TODAY, due to -- failure to send in required documents. I called them to inquire and let them know what was happening. They told me there was nothing they can do because I failed to send in documents. I have records of everything submitted but they will not listen. They continually tell me I owe them money. I do not because of the discharge but I would like to negotiate a new promissory note so I can start paying them and stay in my home. They are not timely processing my documents, continue losing my documents, and continue to demand payment for amounts I do not owe. I 'm trying to do the right thing but their systems are faulty or they are just lying.
Product: Debt collection

In XXXX, XXXX XXXX XXXX XXXX, sent me a delinquency letter at my INTERNSHIP address. It was addresses to me but once I opened the latter it was in regards to ANOTHER woman with a complete different name. It is tax obligation from XXXX and XXXX, years in which I was only a CHILD. 

Primary TIN XXXX tAX pERIOD : XXXX tAX aSSESSED XXXX iNTEREST : XXXX pENALTY XXXX Primary TIN XXXX Tax Period XXXX Tax Assessed : XXXX Interest : XXXX Penalty : XXXX I do not know the person and i have NO debt and GREAT credit. Today XX/XX/XXXX, I got a SECOND delinquency letter at my internship in regards to a DIFFERENT person this time by the name of XXXX XXXX XXXX. Why am I getting so many delinquency letters at my internship its so embarrassing and theyre not even for me! Ive been given a warning because im receiving all these letters from XXXX XXXX XXXX. Is this even legal? Ive tried calling them and they say if I dont know the person than disregard the letter but they keep sending me them. HELP please.
Product: Credit reporting or other personal consumer reports

I DON'T UNDERSTAND WHY Y'ALL KEEP DENYING MY IDENTITY THEFT CLAIM. THIS IS PURE FRUSTRATION AND ANNOYANCE TALKIN ' HERE, BUT IT JUST DON'T MAKE NO SENSE! Who gave YOU THE RIGHT TO SAY I AIN'T BEEN A VICTIM OF IDENTITY THEFT? I know what's goin ' on with my own stuff. Y'all ain't no judge or jury! I sent a legal law enforcement agency report to prove what happened to me. Let 's get this sorted out within the 5 days the law says you got ta do it in. Don't make me come after you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit card or prepaid card

Was advised to dispute transaction when it was beyond the XXXX. Then I was mislead, given a large credit, and then charged back more than the original disputed amount by the credit card company! CapitalOne charged me back over {$9000.00} in error and then argued with me about it. CapitalOne finally admitted they made an accounting error but I continued to wait for the credit for over two weeks and a report was made to the credit agencies thus lowering my credit score! CapitalOne XXXX has the XXXX customer service department and practices I have ever experienced!