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

I am writing to dispute fraudulent information on my credit report pursuant to XXXX5 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX I received a promotional email from American Express Serve ( American Express XXXX XXXX  " XXXX  '' ) stating if one cashes their stimulus check through Indigo ( XXXX XXXX XXXX  ) the promotional code " Stimulus10 '' will get you a bonus of 10 . 

I cashed 2 Federal checks over XXXX ( one as a stimulus ) and the funds were not added as the promotion stated. 

On the promo expiration date I called customer service for Serve and spoke to XXXX XXXX off shore in the XXXX who stated there was no promotion on this date. 

We spoke about XXXX XXXX  EST.
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion in regard to an hard inquiry from XXXX XXXX made yesterday XX/XX/2019 which I did not do and have no knowledge of. They told me XXXX XXXX had permissible purpose and advised me to get a letter of deletion in order to get it removed. I then called XXXX XXXX. There are no records of any new accounts with my personal information ; my name and social, in their system, there was no attempt at all. I just cant and dont understand how can this hard inquiry magically appear on my transunion credit profile from XXXX XXXX   and XXXX XXXX is saying they had nothing to do with it. XXXX, the representative from XXXX XXXX said she couldnt provide me with any letter about an inquiry that did not happen.
Product: Mortgage

We have had our morgage with SN Servicing Corporation for many years. We have always made our payments and never had any problems. We went to make this months payment online and can not connect to their website no matter what device or internet browser we try so we try calling them and every phone number we have tried is disconnected. We have recieved no information about any changes to their business or contact information. I have tried emailing 3 times with no responces. Our house payment for this month is now past due and we still can't pay it or contact anyone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ).  They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX  ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
Product: Debt collection

This company has been harassing me and is threatening me trying to force me to pay for something that does not belong to me I am tired of them calling from blocked numbers and they even went as far as contacting my former employer, I say former because they have repeatedly called this man and told his I owe money I am a dead beat all types of negative false statements that are terrible. I do not owe this money. 

I contacted legal assistance and they told me based on North Carolina Laws they are over the Statute of limitations on collecting debt whether it is or isnt mine dont even matter they shouldnt even be contacting me for this because of that. 

So they are harassing me after I told them In writing not to bother me any further and I told them they are over the state statue to which they replied that state statues dont matter on this account which I thought was a total lie but at this point I am used to all this. Its the same guy that keeps calling me he calls me and uses different names and he swears he is not same person but I have received so many calls that I no how this person talks and I am going to Give all the evidence I have collected from these calls to My attorney and I will be filing a lawsuit and a protective order of protection if this does not stop immediately
Product: Debt collection

I am filing a dispute yet again about my Mortgage Servicer Select Portfolio Servicing. I classified them as a collection agency because that is haw the represent themselves yet I have also learned that they are licensed as a lender as well here in XXXX Their standing and how they do things is very confusing to me. 

I had recently been offered a catch up plan with them for the amount I am behind on my Mortgage. I 've filed previous complaints letting you know how I was put in the position of being years behind my mortgage due to multiple delayed modification processes among other things. I have also filed a dispute on the catch up plan. Them amount of the payments is XXXX a month for a year and the a balloon payment of XXXX. I 've asked them multiple times for a breakdown of these numbers. How much goes to the principle, how much goes to their fees, that have racked up on me over the years, and where will I stand at the end of this as far as what I will still owe. All I get is generic responses with nothing but a list of fees they have against me. No breakdown of the numbers witch I need before I start paying so that I know exactly what will be happening. I have had many problems with their accounting in the past. After receiving their response to my last dispute they also canceled the plan saying that it had passed the date I needed to make the 1st payment. That date was during the time I was awaiting their response to my dispute. I have the finances to complete the payment plan but I really need to know where my money is going. 

I have also suggested that we could negotiate a principle reduction so as the keep everything straight without various payment plans. They say the investors that own my loan are not interested in that. Seems they are only interested in foreclosing. 

I also talked with them about an all encompassing settlement to the amount owed. They agreed it could happen yet refuse to tell me what they would actually settle for. Seems they want me to propose a settlement number myself. Leaving me to kind of guess at numbers that they may accept. Seems odd to me.
I just want to get out from under these people and I want to do it in a way that will have some finality. They only have one thing in mind. Foreclosure!
Please take record of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 date my car was totalled. After speaking with my insurance company they told me that they sent over insurance information to car max. On XXXX ( dates after my insurance company sent CarMax insurance money ) CarMax sent me a letter stating that my account was paid. However, upon checking my credit report I noticed that there are late payments on my credit report after receiving a letter from CarMax stating that my account balance was taken care of. The attached documents with dates shows a timeline of events. I am asking that car max remove all late payments on my account due to the fact that this is an error in their part. I am unable to purchase a car to take myself to and from work because of the incorrect information they placed on my credit report. Again please see attached pictures and documents with dates which explains the timeline of events.
Product: Debt collection

This request follows multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX, specifically by their representative, XXXX. 
Account : XXXX OF XXXX XXXX XXXX XXXX {$2600.00} To provide some background, I initially filed a complaint with the CFPB against this collection agency, which has had my account since XXXX. During the investigation, XXXX XXXX XXXX falsely claimed to have interviewed me under pretenses of impersonating the loan financing company, which was not disclosed to me. They violated my HIPAA rights by collecting my personal demographic information and details about my living arrangements. Additionally, they made unsupported claims about servicing a vehicle, for which they have never provided proof, as this service never occurred. They even falsely stated that I purchased a different vehicle, which I never informed them of. Misrepresentation : In violation of 15 U.S.C. 1692e, XXXX falsely represented himself as the original lender or another unauthorized entity. This is a clear attempt to deceive me into making payments under false pretenses, which is illegal under federal law. 

On XX/XX/XXXX XXXX contacted me regarding this account and engaged in conduct that directly violates the FDCPA. Specifically : Verbal Threats : Additionally, XXXX threatened me during our conversation, stating, " What are you trying to do, clear your credit or something '' and went as far as threatening me by stating that he has my address and personal information and will make me pay. which constitutes a violation of 15 U.S.C. 1692d. This law strictly prohibits debt collectors from using any form of harassment, intimidation, or threats of violence when attempting to collect a debt. His behavior left me feeling fearful for my safety and well-being, and such tactics are not only unprofessional but unlawful. 

These actions are in direct violation of the FDCPA, and as such, I am formally demanding that the following actions be taken immediately : According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates the laws : 15USC 1681i, 15 USC 1681s-2.15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Delete this a
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. I believe this limitation was enacted in error, and I would like to formally appeal this decision. 

First and foremost, I would like to emphasize that I have always strived to abide by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action, nor have I violated any of PayPal 's terms of service. My intent has always been to use PayPal as a secure and convenient platform for my online financial transactions. 

I kindly request that PayPal conduct a thorough re-evaluation of my case. It is my sincere hope that upon further investigation, any misunderstanding or erroneous information that may have led to this limitation can be rectified. I believe in the fairness of PayPal 's services and trust that a careful review will reveal that there has been no wrongdoing on my part. 

In light of the above, I respectfully appeal to PayPal to reconsider the limitation placed on my account and, if possible, to reinstate it. I understand the importance of security and compliance, and I am more than willing to provide any necessary documentation or information to facilitate this review process. 

I appreciate your attention to this matter and kindly request prompt communication regarding the progress of my appeal. Restoring access to my PayPal account would greatly assist me in managing my financial affairs efficiently and securely. 

Thank you for your time and consideration. I eagerly await a positive resolution to this issue.
Product: Credit card

Hi, I am one of the many military members who was offered Barclay 's XXXX XXXX XXXX a MasterCard credit card ) with the waived annual fee of {$990.00} because I was on XXXX XXXX. Unfortunately, I just received a letter from Barclay 's that says they are changing their policy and will now be charging the standard {$990.00} fee. My primary complaint is this appears to be a blatant " bait and switch '' tactic which will have an impact on my personal finances. If Barclay 's would have been upfront about their intention of charging their annual fee after 18 months, I would have quickly passed on their offer. Unfortunately, I accepted their offer, canceled my other cards ( thinking my Barclay 's card would now be my primary card ), and now I 'm stuck with having to cancel the Barclay 's card and find another card to use.
Product: Checking or savings account

My father passed away in XXXX of 2021. He has three business accounts at Wells Fargo. I am the executor of the estate and have become the member and new owner of the business. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. They cant tell me what the next steps are but continue to tell me theyll call me back when they find out. Its been months and they continue to tell me the same thing. I dont know what else to do other than get a lawyer involved.
Product: Debt collection

XXXX ignored disputes, leaving some people stuck with inaccurate information on their reports. 
Others had their scores dropped because XXXX didnt fix their mistakes, even after providing proof. 
XXXX is also accused of violating the Fair Credit Reporting Act ( XXXX  ), which requires them to ensure your report is accurate. 

XXXX XXXX C/O XXXX XXXX Original Creditor Company Sold Account Type : Installment Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Pays account as agreed Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Last Payment Date : XXXX XXXX, XXXX Paid Off : 100 % Monthly Payment : {$0.00} Past Due Amount : Original Balance : {$520.00} Terms : 24 Months Responsibility : Individual Account Original Creditor : XXXX XXXX  Company Sold Account XXXX XXXX Collection Account Date Opened : XX/XX/XXXX Status : Unpaid Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated Paid Off : 0 % Monthly Payment Past Due Amount Original Balance : {$220.00} Terms Responsibility : Individual Account Original Creditor Company Sold Account Type : Secured Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Paid, Closed Status Updated : XX/XX/XXXX Balance Balance Updated Last Payment Date : XXXX XXXX, XXXX Paid Off Monthly Payment Original Balance : {$520.00} Terms : 24 Months Responsibility : Individual
Product: Money transfer, virtual currency, or money service

PayPal arbitrarily, and without any method of appeal, challenge or regulatory or judicial oversight routinely seizes the funds of its customers. Not only does PayPal lie about how long they will be seized, they lie about why they were seized, and put forth the most beautiful of customer service promises, and then deliver absolutely horrid results. 

PayPal commits financial crimes on a daily basis and attempts to hide behind its terms and conditions statement that up until now has worked to silence its victims. Interest is not paid on these siezed funds to the victims but PayPal collects interest from the accounts where it holds these fund.. it is simply theft at its most basic. Since on an individual basis, the amounts in question dont rise to the level that would get the attention of law-enforcement, in the aggregate, customers are being nickel and dimed to death, while PayPal makes millions in interest payments. 

However, someone at PayPal forgot the old proverb : Pigs get XXXX, Hogs get slaughtered. 

The new wrinkle? PayPal offers to let customers buy and sell cryptocurrency and that earns PayPal its membership into the family of SEC regulated entities. 

When any of these funds are related or can be traced to the buying and selling, or trading of cryptocurrency, ( according to the current position of the SEC ) this involves securities. PayPals actions as the unquestioned decider of when a user may access these assets violate several federal regulations against the restraint of alienation of these assets. It is market manipulation 101 : increase the difficulty of entry and control the timing of buying and selling by controlling cash flow.