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

Hello, On XXXX XX/XX/2022, PayPal has decided to close my PayPal account. My account has been closed due 'violation of PayPal 's Acceptable Use Policy ''. Until today, I have not received any explanation of what exactly is against their policy and also can't find anything that I possibly would have violated.

I have received an email which told me that my funds would be available after 180 days. However after I have checked my PayPal account, I mentioned PayPal took {$3.00} USD from my account with the description " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation '' on XX/XX/2022, which PayPal is not authorized to. 

I have been cooperative with PayPal and not complaint about my account getting suspended. Even though I didn't agree with PayPal 's decision to close my account, I respected their decision. It's their platform & they decide who can use it. However, it's absolutely insane that they took ( stole ) {$3.00} USD without any explanation. They don't have any rights to do that and I want to have my money as soon as possible, withdrawn to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

You offered me an opportunity to explain my XXXX late payment with Elan Financial Services, but with no satisfaction you reported everything was accurate. 
I did have issues with my wife with the XXXX XXXX XXXX, around the time that my payment went past due. 
I was out of town and could not take care of it. 
I would like to take advantage of your kindness, to remove negative reporting from my credit bureau file. 
I tried to talk to a representative, but they would not accept my reasons for late payment back when this occurred. 
Please check my record, I have never been late, that is the only late payment that I have on my record. 
I would appreciate if this can be removed as soon as possible. Thanking you in advance. 
XXXX XXXX
Product: Checking or savings account

Hello there are 8 unauthorized transactions that was made each for XXXX $
Product: Credit reporting or other personal consumer reports

I am writing to formally address the fraudulent account opened with OPLOANS XXXX. This is my second complaint with the CFPB regarding this matter. Despite my previous complaint, the account was not removed, and no evidence was provided to prove that the account belongs to me. 

I wish to clarify the following points : 1. The OPLOANS XXXX account was opened fraudulently and is not mine. 
2. I have multiple police reports confirming that this account is not mine. 
3. No identification or information provided by OPLOANS XXXX matches my records. 
4. I have never lived at the address associated with the account. 
5. The bank account linked to this fraudulent account is not mine. 
6. I have never made any payments to OPPLOANS XXXXXXXX, nor have I confirmed any information with them. 
7. I have never spoken to anyone from OPPLOANS XXXXXXXX regarding this account. 

According to the law 15 USC 1681i All information must be validated and insured to be correct. XXXX is breaking the law. 

I request that the CFPB take immediate action to remove this fraudulent account from my records and acknowledge the multiple police reports that substantiate my claim.
Product: Debt collection

I declare under penalty of perjury ( under laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Further these misstatements are punishable as perjury under 18 U.S.C. 1621.

This item found within my credit report is not related to any transaction that I have made. I am alleging that a person or company-without my authorization used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and is defamation of my character.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL, XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Debt collection

On XX/XX/2023, I sent a letter to XXXX XXXX XXXX asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had XXXX  days to supply the information and have not.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I was traveling on a flight to XXXX, NE. When I landed in NE I attempted to schedule an XXXX only to find out my credit card was being denied. I then called Chase Bank where I had been a card holder since XXXX with two cards by Chase Bank. I had a XXXX XXXX and a XXXX XXXX Rewards Card. When inquiring why my cards were not working they stated " After careful consideration, we closed your credit card accounts on XXXX, XXXX, XXXX, because our affiliate is ending their banking relationship with you '' I stated that must be a mistake, my wife and I have perfect credit, we have paid our card in full every month for 15 years, we have no debt, and no one had stolen our identity. I proceeded to ask questions and they would not help me, transfer me, or answer any questions. I asked what I needed to do to rectify the situation and they stated you can not do anything we have ended the relationship. I tried several times after that calling customer service with no success and frankly they were very rude for a customer that has been loyal for 15 years. Then, approximately 10 days later we received a letter in the mail form Chase bank confirming what I have state above. I next tried calling both Marriott and XXXX both of which had never heard this before. They apologized but stated there was nothing they could do. I am frustrated as they will not explain " why '' my card has been terminated and I can no longer participate in the points system that is offered by the companies. I would like an explanation from the company as to why this has happened when I have held up to my end of the credit card.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase with my Citibank issued credit card ending in XXXX to XXXX via XXXX in the amount of {$1500.00}. The purchase was for the delivery of a mattress and associated furnishings. 

Subsequently, I disputed the charge with Citi, indicating that the merchant was not in compliance with their own terms and conditions. 

On XX/XX/XXXX, Citi sent a letter indicating that if I continue to dispute the charge, I should : " Please sign and return this letter with the requested information by XX/XX/XXXX. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' Pursuant to Citi 's instructions, on XX/XX/XXXX at XXXX PST, I responded to Citi via email to their provided email address and referencing the provided ID in the subject line of the email, and provided additional supporting evidence for my claim. Citi 's automated system acknowledged receipt of the documents. 

However, later that month, Citi sent me documents indicating that I did not provide additional supporting evidence in the time allotted. This is in direct contradiction to other documents that they provided me. 

Citi failed to comply with their own stated dispute process and made it impossible for me to provide them with documents.
Product: Checking or savings account

We opened a checking/debit account for my son at Wells Fargo on XX/XX/31. The bank called 2 weeks later that due to a banker error, my son 's SS number was incorrect in the " secondary ID '' portion of the application. I returned to the bank as soon as I could which was a week and a half later as I was told my XXXX year old son needed to be there and he was unavailable any sooner. The day we returned the account was closed ( and I was told he did not need to be present so this could have been handled sooner ) and was told we needed to come back with the SS card ( which we were not previously told ). I returned the next day ( Friday ) with the card ( although his SS was correct in the " SS # '' box and he has other accounts for years at the bank ) and was told the account would be reopened and the card used. The account was still closed on Monday and when I called the branch, the banker told me they can not reopen and there are several more steps to go through so he filed a complaint on my behalf ( which no one told me until I called ). I can not open any new account for him until this is resolved and the branch can't help me and the contact person where this complaint sits has not returned my calls.
Product: Payday loan, title loan, or personal loan

I was looking into a debt consolidation loan and was directed by XXXX XXXX to check Net Credit. When I went to the site it said I could check my options with no damage to my credit score. So, I did. After seeing the offer I opted not to continue with Net Credit, as I didnt want a high interest line of credit. Several days later I got an adverse action letter from Net Credit about my application. I never applied for credit in the first place, so I didnt understand why I was getting an adverse letter. I only checked my rates. I asked the company why I was getting the adverse action as I never formally applied and they only told me that there was no hard inquiry. A day later I received another adverse action letter from them. I asked again why I was receiving it, and to remove my information and they only responded that I couldnt have my information removed. I suspect that by logging in to check rates thats bate for an application. I know 100 % that I never formally applied and its not okay to not disclose that checking rates is an application. Its a very deceptive practice and I am scared that they will continue to use my personal information.
Product: Debt collection

XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Is and account on my credit report that appears to be opened by identity thefts, although it has positive payment history, I did not open this account nor give anybody permission to open it in my behalf! Ive reached out to the company, notified them of the theft accrued, I also notified all 3 credit bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXXK -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the XXXX late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
Product: Credit reporting or other personal consumer reports

Hi My name XXXX XXXX XXXX having a problem i need help with .This statement is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /opened XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Student loan

I 've been following the lawsuit with XXXX. I am a little concerned. I would like my loans through them ( which day closed on my credit ) verified. If they ca n't be verified I would like to have them removed. 

Also have some federal loans that are reporting " no payment '' and I recently filed bancruptcy and was told that I do n't have to make payments through this process and that they would n't negatively report. However, reporting no payment is adversely affecting my credit. 

I have been unable to reach live persons who can help me. I get transferred and then for some reason the phone keeps getting disconnected. I just seek answers and they ( loan servicing companies ) should desire to help consumers. 

Anything you can do to help with this would be greatly appreciated.
Product: Credit card

When i was attempting to take a loan for a car, the bank told me that there is a negative report in my file indicating that i never paid this credit card. I never opened a credit card under Capital one for {$500.00}. I have contacted experian to file a complaint regarding shutting down this account that was taken out in my name. The bank stated that this card was opened in XX/XX/2022. At that time, I was only 18 years with no knowledge how to open a credit card. I contacted Capital One and they gave me the info on this card. The balance has know increased to {$1100.00} because of non- payment.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXX XXXX  XXXX of Inquiry : XX/XX/XXXX
Product: Checking or savings account

On XXXXXX/XX/year> i received a promotional advertisement from Chase bank, if I opened a checking account with {$1500.00} and a savings with {$15000.00} and I had a direct deposit of {$500.00}, they woukd deposit {$900.00} into my account. I went into Chase bank in XXXX XXXX and satisfied their criteria. The customer service repbassured me I met all the promotional details, however she had me open my savings and checking online on my phone in front of her. She said it didn't go through to try again. I ended up opening three accounts under her direction and she deleted two of the three accounts. what I did not know is she deleted the account she put the promotional code in. I went back to the XXXX branch two weeks ago to ask why I didn't receive my promotional bonus and they were surprised I had not received it. They said it was a mistake and they would write to their back office to explain what happened. Chase has not honored their advertisement. It is not my fault the employee, who remembered the situation mde a mistake, i satified my partcof the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX