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

Dear XXXX, Subject : Unauthorized Deduction from My PayPal Account I am writing to formally bring to your attention a matter of utmost concern regarding my PayPal account and an unauthorized deduction that has taken place. 

My name is XXXX XXXX XXXX XXXX, and I created a PayPal account " XXXX '' in XXXX of this year. Unfortunately, after using my PayPal account for a few weeks, it was unexpectedly limited, with approximately {$2000.00} in my account. I was unable to resolve the limitation and some senders filed chargebacks totaling {$600.00}, resulting in a balance of {$1400.00}. 

As the 180-day waiting period passed, I received a notification that my funds were eligible for withdrawal. However, upon checking my account, I discovered that my balance had been reduced to {$1200.00} instead of {$1400.00}. 

Upon further investigation, I adjusted my transaction filter to cover the period from 90 days to a year, and I uncovered a disconcerting revelation. PayPal had transferred, or in simpler terms, deducted funds from my balance, claiming that it was a " negative balance. '' I would like to emphasize that I do not have any other account in my name with a negative balance. 

This situation is deeply troubling to me, and I believe it amounts to a case of financial mismanagement and potential theft of funds. I have exhausted all possible channels of communication with PayPal to resolve this matter but have received no satisfactory response or resolution. 

I am reaching out to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this issue. I kindly request that you investigate this matter and help me recover the funds that have been wrongfully deducted from my PayPal account. 

I have attached relevant documents and evidence to support my claim, and I am willing to provide any additional information you may require to facilitate your investigation. 

I look forward to a prompt response and resolution to this matter. Thank you for your attention and assistance in this regard. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

After multiple repeated requests Carrington Mortgage has not applied additional principal payments to my account. It has been 45+ days.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please promptly address the removal of the unauthorized inquiries from my credit report, as they were not approved by me and are causing substantial distress. I did not initiate or authorize these accounts, and it is unjust for me to be held liable. I urge you to take immediate action to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX WESTLAKE FINANCIAL SERVICES is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( I XXXX XXXX ) and the person ( WESTLAKE FINANCIAL SERVICES ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( WESTLAKE FINANCIAL SERVICES ) shall not furnish any information relating to a consumer ( I XXXX XXXX XXXX to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SERVICES can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate because this account is income. I never received a 1099-C from WESTLAKE FINANCIAL SERVICES for the cancelled debt in order to file as ordinary income. Where is my 1099-C? WESTLAKE FINANCIAL SERVICES is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. WESTLAKE FINANCIAL SERVICES has been committing Tax Fraud. WESTLAKE FINANCIAL SERVICES has been HEREBY PUT ON NOTICE that they are furnishing incorrect & inaccurate information. 
XXXX, XXXX, and XXXX are not an affiliate of WESTLAKE FINANCIAL nor are they " Bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law and the CFPB website. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given WESTLAKE FINANCIAL SERVICES whether it be written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. The reporting of this account as a charge off is inaccurate & unlawful. Please remove this account from my consumer report ThankYou
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX MT Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VLLY NAT BK Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Vehicle loan or lease

I purchased my vehicle from Hyundai on XX/XX/XXXX. I moved to XXXX  from XXXX  and registered my car. 

I log into my account to make my payment for XXXX and see an amount due triple my normal car payment. 

I called Hyundai to find out what was going on. I was advised that I have to pay taxes for the state of XXXX   since moving.

I understand that I have to pay the taxes for XXXX. I am asking for help. We're in a pandemic and Hyundai advised me they can not make payment arrangements for lease consumers. I have been able to make my payment every month during this pandemic. I can not afford to pay {$900.00} in taxes by XX/XX/XXXX. 

Hyundai refuses to help, they will not even split the payment up. I did not receive a bill or notice of this tax amount needing to be paid. Nor it is on my monthly statement. So now I will lose possession of my vehicle because I am the only person paying bills in the household. I don't have an extra {$900.00} for taxes. I would appreciate being able to make this payment split into a monthly payment or over the remaining duration of my lease. 

It not fair that when I purchased this lease I advised to the salesman that I would be potentially moving to XXXX. He never advised that I would have to pay additional taxes in another state. I paid taxes up-front for the state of XXXX. This is unfair, I have been advised I don't qualify for help because I am leasing the vehicle.
Product: Debt collection

XXXX, XXXX, and TransUnion have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.
Product: Credit reporting or other personal consumer reports

Over 4 years a report was posted to my consumer credit report
Product: Credit reporting or other personal consumer reports

ALL consumer reporting agencies identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion Intermediate Holdings , IncXXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts.

Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies.

SEE AND REVIEW ALL ATTACHMENTS
Product: Money transfer, virtual currency, or money service

Trying to open up a investment account and I can not why
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXXAug. XXXX, XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX-Mar. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX Section XXXX XXXX States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have starting recieving calls from " XXXX XXXX XXXX '' ( XXXX ). 

The callers were very aggressive and demanding that I " verify '' my personal information so that they can share with me what they are calling for. I refused to verify my personal info with a strange caller and they refused to tell me what creditor they were calling for. 

They said I can go online to XXXX XXXX XXXX and I also called them back and another person answered the phone but knew exactly who I was and continued arguing with me because I wouldn't " verify '' my personal information. 

On the second call, they didn't ask for my personal info, but immediately stated that they were collecting for a specific credit card account that I do not owe a debt for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX Balance : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Product: Credit reporting or other personal consumer reports

I my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : Equifax 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : 1XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

this debt was previous disputed and removed because the debt didn't exist, It now has popped back on my credit and it doesn't belong to me
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX XXXX is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and JP Morgan Chase being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX XXXXXXXX, JP Morgan Chase nor the consumer reporting agency XXXX XXXX have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX XXXX and JP Morgan Chase failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. 

Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and will not tell the American people who is hacked. They are not telling the American people who are affected. The PIN given has weak security as it is the date the request was made for the freeze.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX  and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Money transfer, virtual currency, or money service

I sent a money transfer on Tuesday XXXX XXXX XXXX from my bank account to Coinbase website for XXXX. The transfer should have lasted 1 or 2 days to be delivered. But one week later, I've n't received it yet. I sent an email to the customer service Friday XXXX XXXX but I didnt get an answer. We are on XXXX XXXX XXXX and still nothing. My case number to the custumer service is : Case # XXXX