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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
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 associated with the email address XXXX. I firmly believe that this limitation is a 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, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am 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 without delay. If specific documents or details are 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 card or prepaid card

I have purchased online some XXXX  bags using my credit card with total amount XXXX dollars on XX/XX/2017. Unfortunately, i received fake XXXX bags. I tried to resolve the matter with the merchant but all my tries were useless. I have disputed the charge and talked to the Bank about explaining what happened. The Bank agent asked me to provide some documents so i did. however, the bank asked me to get a second opinion on that merchandise i received and this should be on a letter head from a store that have the expertise to define genuine XXXX bags. I have tried very hard to get that letter but no store accepted to give it. i get back to the bank telling them about what happened but they refused to consider it. I went to XXXX store and the assistant manager check the merchandise and told me that he can not write a letter describing the merchandise but he instead can give some information on XXXX store business card and he said he was happy to explain that on phone if the bank what to get more details about that matter. i got back to the bank telling them that this was what i can do since no store want to give me that letter on " letter head ''. I talked to the bank today and they refused to accept that and they insisted on getting that second opinion letter on letter head. Now, my account was charged and my credit report was affected, and I want this matter to be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX  XXXX XXXX Balance {$3200.00} ; XXXXXXXX XXXX XXXX  XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}
Product: Credit reporting or other personal consumer reports

NELNET : This creditor is reporting a sold collection and despite disputing has not responded within the thirty day timeframe.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 
I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Please complete your investigation and notify me of the results within XXXX  days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Unverified Bankruptcy Reporting Dear CFPB Team, I am writing to formally report an issue I am experiencing with Equifax, XXXX, and XXXX, as they have failed to adequately investigate a bankruptcy reference number XXXX that is currently being reported on my credit report. I believe this entry is unverified and inaccurate, which is negatively impacting my creditworthiness. 

On XX/XX/year>, I submitted a dispute to Equifax, XXXX and XXXX, providing documentation that supports my claim that the bankruptcy was not filed by me. According to the Fair Credit Reporting Act, I understand that credit bureaus are required to investigate disputes in a timely manner. However, I have not received a satisfactory response or resolution from Equifax. 

Despite my efforts to clarify this matter, the unverified bankruptcy remains on my credit report, affecting my ability to secure loans and credit. This situation is unjust and contrary to the protections afforded to consumers under the law. 

I kindly request that the CFPB investigate this matter further. I am seeking assistance in ensuring that Equifax, XXXX and XXXX, fulfills its obligation to verify the accuracy of the information it reports and removes any unverified entries from my credit report. 

Thank you for your attention to this pressing issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Closing my credit account for no legitimate reason and lying about it. My account was closed around XX/XX/2018. The only way I knew about it was checking my account online and it stated account closed. After finding out, I contacted Home Depot there after in the same month of XX/XX/2018. 

I had a Home Depot credit card with a {$5000.00} limit and the account had less than {$100.00} balance. I have consistently for years either paid the balance off each month and or paid on time more than the minimum payment in advance of the payment due date. 

I went into my account on line to check my account and found the statement Account Close. A surprise to me.

So I called Home Depot to find out why. They lied and told me some one call them and close the account. I asked them who close the account. They said they didnt know.

Another call to Home Depot. I asked again how did this happen and again asked who closed my account. This time they said I closed the account. I told them that I have never called Home Depot credit before and the fact that I had not closed my account.

Thought about this and wondered what was really going on. So I called back again.

This time they said they couldnt reopen a closed account that I would have to apply in the Home Depot Store all over again. So like a dummy ( because my gut told me something else was going on here ) I went into the Home Depot store and re-applied at which time I was told I had to call Home Depot credit office.

So I went out to my car and called Home Depot Credit office to find out what the problem was. The representative said it was a credit issue with the credit bureau.

Please note here that I have a clean credit report on all 3 credit bureau reports. In simplicity, I have always paid all my credit accounts either on time or in advance and paid more than the minimum payment. 

I called the Home Depot credit office again. I asked them to investigate who closed my account because I hadnt. They said Id need a police report? A bit puzzling.I asked what do I need a police report for? Then asked what does the police report need to state? I got no answer to that question. Then they pretended they couldnt hear me and hung up on me. 

I called the Home Depot Credit office back again. This time I asked them to prove I closed my account. They hung up on me.

I called the Home Depot Credit office back again. This time I was sent to some voice message and could get them on the line after all this. 

It appears they closed my account because they wanted to not because of me or anyone else and lied to me about it. 

Bottom line is, they closed my account for no legitimate reason and lied about it. 

They had no legitimate reason for closing my account and I want the Home Depot credit account reinstated with the same terms and limit it had before they closed my account.
Product: Mortgage

Bayview says not on loan, have power of attorney and faxed with my name and owners name see proof
Product: Credit card

I called on my wifes chase credit card account where I am the authorized user. I had gone through the application process for a hardship payment plan. It was rejected. Then I told the customer service person that Id like to call back with more detailed information to answer the questions on the application because when I answered the questions regarding monthly expenses, income etc. I had given estimations. She said it is alright no worries, call back with the detailed numbers and they will re run the application process. She said verbatim, we usually wait 30 days to run another application process but we will make an exception for you since you need to give us more detailed information.. I call back and get another agent. This time I provide detailed numbers shes runs it and she says that I am approved. Then she puts me on hold, comes back, and says I have to wait another 30 days before doing the application process. She even admitted that even though I was told otherwise and that I was approved I still need to wait, which is not compliant.
Product: Bank account or service

Wells Fargo Bill Payment system has problem causing double payments. I called the bank and explained how their system to edit a recurring payment. Instead of sending out a edited amount, the system sends two payments. I have called the bank and they refuse to accept responsibility and return the extra payments. this has happened two months in a row wit two different edited payments. Below is the response I received from Wells Fargo 's Bill payment department. 

Here is their response " As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with XXXX still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.
Product: Vehicle loan or lease

I purchased a car lease from the dealership which they run my credit score twice the first one was on the XXXX and the second one on the XXXX which is the accurate one is the XXXX I got the car so I want to dispute the one its on the XX/XX/XXXX I dont wants to be in my report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my report with inaccuracies and inquires i have no knowledge of starting with : XXXX XXXX  XXXX XXXX collection account and the following credit accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Greetings! I need help with accounts that are inaccurately reflected on my credit report.
Product: Mortgage

In XX/XX/XXXX Ditech began reporting a higher principal balance than was due through the time servicing was transferred in XX/XX/XXXX damaging my credit score. I disputed this with all three bureaus but Ditech would not correct it. Having filed a claim against their bankruptcy for another issue, I have disputed their information again. Now, Ditech has removed their account from my XXXX  and XXXX  report further damaging my credit score as this was my oldest trade line. But they partially corrected principal balances in my XXXX report.
Product: Vehicle loan or lease

My mom filed a complaint yesterday but the payoff request is in my name. 
Refinanced my joint car loan from Financial to XXXX  XXXX XXXX XXXX. Purpose lower rate and remove my mom from the loan around XXXXThe payoff letter was sent to the credit union with Mazda Financials ' address. The credit union sent it to Toyota Financial in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The check cleared the credit Union on XX/XX/2022. The reason why XXXX sent the payoff to Toyota is because my purchase paperwork stated Toyota was the Lienholder. My mom called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't locate the check where it went. It was negotiated through XXXX. My mom called Mazda Financial on XX/XX/2022. Mazda Financial opened a case, I was warned that this may not work, but they will try and get the funds transferred over. As of today no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 hard inquiries from XXXX, XXXX 2023 that I dont recognize and its hurting my score please help
Product: Credit card or prepaid card

On XX/XX/2020 funds were paid to XXXX  XXXX for {$21.00} on XX/XX/2020 funds were paid to XXXX XXXX   for {$21.00} and on XX/XX/2020 {$59.00} was paid to XXXX I provided documentation to direct express that I canceled these accounts but direct express did not credit my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report it was 4 unauthorized inquiries on my Equifax credit report
Product: Debt collection

on XXXX-I spoke with SW Credit Systems in XXXX TX and agreed to pay the reduced amount of {$80.00} for the so-called money I owed to XXXX for {$120.00}. My XXXX XXXX has dropped to XXXX. I have never had XXXX XXXX. I appreciate any assistance that you can assist with. The collection is still on my account for all 3 Credit Bueraus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I wrote Experian, regarding XXXX XXXX debt Company, and that Company has falsified dates and amount of debt, and have not provided any document with my Signature, The debt is so old and I have no knowledge of the debt. So I asked Experian to provide a Copy of the debt to verify my Signature and to verify the amount of debt. They sent a letter telling me to verify my Identity, Which I Provided with a letter Dated XX/XX/2017. I received a new letter that said my dispute letter was not legible, and they need my personal information again. I had enough, I sent four rounds of dispute letters stating please send original document with my signature and they have been giving me the run around. Without properly verifying the debt to see if it is accurate.
Product: Checking or savings account

We had an old XXXX account held at Benefit Wallet ( Bank of New York Mellon is the " custodian '' ). The balance was {$.00} and there were no fees owed on the account. I called to have the account closed because we no longer use it. They told me that the balance would be " XXXX out '' after closing the account. I asked if that meant they would electronically transfer the remaining balance to our personal bank and they said " no, it just gets XXXX out ''. Meaning they just keep it! Now while I don't care about my XXXX cents, it does seem wrong that a bank ( who serves thousands of people ) can just keep the remaining balances when a customer chooses to close an account that is in good standing with no fees owed! 

I asked what would happen if I just let the account sit there with the XXXX cents in it. They said that it would start incurring fees once we are no longer associated with the employer! So they really leave people with no choice! Again, XXXX cents is not worth fighting over. Neither would it be if it was XXXX cents. But in either case, most people would probably do what I did and just say it's not worth fighting over. Now multiply XXXX cents by a XXXX or more and suddenly there is a whole pot of money somewhere in that bank that doesn't really belong to them! How can they do that? 

I've worked at a bank and never would we be allowed to keep even a XXXX of someone's money when they close an account ( unless there were fees owed on the account ). Every cent needed to be accounted for. So how does this bank account for the money that they 'XXXX ''?????
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX DOB : XX/XX/XXXX Last four Digits of my social : XXXX Dear Sir / Madam at Equifax, See enclosed Documents, in XX/XX/XXXX ; i paid off 3 high interest rate loans with XXXX XXXX XXXX. All 3 rates were over 20 %. I did this to qualify for a mortgage on a new piece of property. On XX/XX/XXXX you penalize me 42 points causing my home loan to be canceled. Then on XX/XX/XXXX you penalize me for using a credit card with a XXXX dollar credit limit. I only used 15.5 % of the total credit card limit. Earlier this year you allow some fly by night collection to go on my credit hurting my credit. The other two bureaus, my scores are all in the 700s, but with you people you have continually have hurt my credit and caused me aggravation, I want my scores reversed and put back where they belong in the 700s. Paying off loans, and paying on time means nothing anymore. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted trans union credit bureau to delete a collection account that has lowered my credit score 40 points from my record on XX/XX/19 ( XXXX  ) I sent them the information which this company has complied too delete from my credit report all other agencys have already removed this item from my reports but trans union has not
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.