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

After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to purchase hockey tickets from a XXXX ad and was told to send the money through XXXX. I didn't have a XXXX account but it was backed by all the big banks including my bank PNC so I figured it was secure. I sent the payment for {$400.00} through the PNC app. He immediately said that there was a 1-3 day hold since he didnt initiate the request and that he would cancel that and send me a new request. I asked for proof that he cancelled it and he said it wouldnt show right away. I knew at this point that I had been scammed and immediately reached out to my bank, about 30 minutes after sending the payment. I was told the payment was gone and there was nothing they could do. They said to contact XXXX which I attempted to do but everything is automated and I wasnt able to reach an actual person. The money was sent to a bank account so XXXX has to know who received the money. I'm hoping you all can help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute. 2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete. 3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification. 4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. Disputed Item Details : * XXXX XXXX XXXX * account number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons 1- High Balance is showing wrong and inaccurate information 2-Date of Last Activity is complete inaccurate I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data. 2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy. 3. Provide me with the results of the investigation and a corrected copy of my credit report. 4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. Thank you for your immediate attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or [ XXXX ] if you require any additional information. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 PayPal - negative {$6500.00} XX/XX/2019 Transfer P PayPal - negative {$6500.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting

I have been the victim of identity theft fraud and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcy was fraudulently filed in my name. They have yet to delete any of the accounts, inquires and BK filing. They are literally holding me XXXX to a debt that I did not create. I need assistance immediately!
Product: Credit card or prepaid card

I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.
Product: Credit reporting or other personal consumer reports

GM FINANCIAL Account type - Auto Lease Date opened - XX/XX/year> Above Account created under GM FINANCIAL without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Debt collection

This debt is for XXXX XXXX. I have a active XXXX  and I have never been delinquent.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness in in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear TransUnion Dispute Department, I am writing to dispute specific information on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my consent : 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  Per the FCRA, such inquiries require my explicit authorization. As I did not consent to these, I request their immediate removal. 

Inaccurate XXXX Account Information : The XXXX account listed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off This account has been settled, and the charge-off status is incorrect. Please update this account to reflect its accurate status or remove it if it can not be verified. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address Highlighted credit report indicating disputed items I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

Good day. My name is XXXX XXXX and I currently have a mortgage loan with Citi Mortgage in the City of XXXX. My property taxes were lower by {$1000.00} by the City of XXXX. Documentation was sent over to Citi Mortgage and only to find out, my mortgage will only be lower by {$180.00} for the year. I am current with my mortgage, so I do not understand their calculation. I called the company and they are lying about escrow differences. I was told the same thing by Citi staff last year when they raised my mortgage from {$2100.00} to {$2100.00}. I really need your help to correct this matter because I know I will lose my home with Citi Mortgage scheme. Thank you.
Product: Credit reporting or other personal consumer reports

In the beginning of XXXXSomehow all my credit accounts were lost off from my Equifax report.Wich made my equifax Is score plummet to the ground and if you look at my XXXX report it is current with all my credit accounts and you will see that I've always had these accounts but they only have XXXX out of like XXXX credit lines on my report. I've tried repeatedly to talk to eqifax with told me to call my creditors and have them resubmit my lines of credit, which I did ans all of them said they are current on all 3 reporting agencies and they said it's an issue with equifax and I'm just at a loss and need this to be corrected because I'm trying to buy a house. I thank you in advance... Sincerely ... XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my FICO with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to Capital One when determining me for a car loan. Getting a pre approval is kind of misleading as Capital One invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.
Product: Checking or savings account

Bank of America has changed how they apply debits and credits or something. They do allow some overdrafts but what they have been doing is actually clearing the debit or ach to the point on my end it shows as cleared and also they charge an NSF and then a day or so later they reverse the funds. It intermittently shows cleared even with the creditor. With the assessing of the fee and the item showing as cleared that depletes the balance even further and has caused additional NSF of things that may possibly have cleared if both the fee and transaction weren't both showing as cleared. I need a portion of those fees returned.
Product: Consumer Loan

I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. 

The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. 

A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. 

I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. 

Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.
Product: Credit reporting or other personal consumer reports

Dear XXXX please advise this is not a dispute, this is a consumer permissible request. PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS DISPUTES I am the original secured creditor I do not dispute accounts! I give proper directions and permissible requests for you to act as an agent and correct your misleading information. 
I understand XXXX is not a bureau nor is your agency backed by any government agency. I am aware that XXXX is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 
Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency XXXX must comply with my written instructions. I have given XXXX my written consent and instructions to remove multiple fraudulent and misinformed Tradelines from my consumer report. 
XXXX has continued to update my report with no proof of proper verification/Validation. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 3 day time period to receive these fraudulent misinformed results! 
Please see attached affidavit for such fraudulent activities and all violations listed. 
15 U.S. Code 1681a ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 U.S. Code 1602 ( l ) My credit card was used to initiate a credit transaction.

Everything that arose from my credit card, should NOT be on my consumer report.

Under FCRA Section 623 ( a ) ( 1 ) ( A ) 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.

Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Pursuit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX, natural person, living person is giving written instructions to to remove and cease furnishing any and all reporting activities in regards to the accounts above. 
These are the accounts that need immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with Wells Fargo. In XXXX, I fell into hardship. I filed a chapter XXXX and also applied for a loan modification. I was approved and paid my trial payments. Afterwards, I was told to sit tight and not make any payments until I received the paperwork. A year later, I received the terms which was only deferring the arrears. My BK attorney advised I didnt have to proceed and we proceeded to include the arraers in my BK. However, I was told I couldnt include all of the arrears and had to come up with $ XXXX to stop them for foreclosing. I did but it has drained me and out me in even worse position in that as soon as I get a liitle behind the threaten to foreclose when they are the ones who took an entire year with the modification. The judge agreed to allow some of the arrears which is being paid thru my BK payment and comes out of my check. Their tactics are terrible and unfair. If I didnt want my home I wouldnt deplete my funds and woukd have walked away like thousands do every day. I dont see how this is right!!!
Product: Credit reporting or other personal consumer reports

This is conjunction with my previous complaint ( # XXXX ) filed with Equifax ( XXXX XXXX ) and CFPB on XX/XX/2024. It was NOT properly resolved and as a result my credit score is suffering. This is impacting my everyday life and credit redlining at its best. I plan to pursue legal action at this point. I received a response from Equifax Inc, stating that they could not identify me by Social Security #, which is odd being that they told CFPB that they were working on the complaint but managed to close it at this point on their end without remedy. This needs to be fixed immediately. There has been no changes on my end that would caused a XXXX point credit score reduction. I will pursue legal action if this is NOT fixed.
Product: Vehicle loan or lease

In XX/XX/2015, I purchased a XXXX XXXX from XXXX XXXX XXXX and it was financed by Westlake Financial. Two weeks after the purchase I was contacted and told that I needed to come back to the dealership and resign some paperwork. I was told that all the information was the same. I signed the paperwork and left. A few weeks later I received a bunch of calls from services looking to sell me Gap insurance. I was confused because when I bought the car I purchased Gap Insurance and told the salesmen that Gap insurance was the most important part of the deal because I had an issue years ago where a car of mine was totaled and I didnt have Gap insurance. After receiving all these calls, I called the dealership and asked if Gap is insurance was on my contract and it wasnt! The salesmen fraudulently took it off the original contract and had me sign a new contract without it. Along with the excessive interest I was charged, I was completely taken advantage of. Since then, the dealership was sued by another client and I received a settlement in the mail of a XXXX  XXXX dollars. The vehicle was eventually repossessed after 4 years due to not being able to afford the excessive payments.
Product: Debt collection

I have sent you a written request to validate my debt having account no. XXXX on XX/XX/2021. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/2021. However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}, which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

I am demanding immediate removal of this account from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX, XXXX, or any third party ) request shall be sent to me immediately. 

IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE. 

I am waiting for your immediate action to my requests.
Product: Credit reporting or other personal consumer reports

I contacted Experian over XXXX times and its always lies about theyll fix the problem there is a address on my file which I never live XXXX XXXX XXXX they tell me it been verified but thats a lie if its identity theft also accounts that connected to that address needs to be removed immediately XXXX XXXXXXXX XXXX # XXXX open XXXXXXXX XXXX {$36000.00} XXXX XXXXXXXX XXXX XXXX {$33000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$39000.00} XXXX XXXX {$47000.00} and XXXX XXXX {$10000.00} # XXXX XXXX XXXX these are not my accounts