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

Once again, Paypal is neither respecting their word nor fullfilling their promises. After my 2 previous complaints against Paypal,   XXXX   XXXX  , Operations Counsel of Paypal, agreed in reactivating my account based on the email  XXXX . However, I still receive contradictory and misleading email messages by the   XXXX    branch of Paypal as well as from   XXXX   XXXX  , both openly contradicting the promise of   XXXX   XXXX  .
As a response to my complaint   XXXX  , Paypal advised me to contact   XXXX   XXXX  , head of their Executive Escalations office.   XXXX   XXXX   sent me a message on   XXXX   XXXX   2017 via the Paypal messenger showing alarming contradictions and lack of knowledge of Paypal rules. As a reply, I explicitely showed   XXXX   XXXX   that what Paypal is still restricting me ( and using as basis for blocking my accounts ) is something Paypal is endorsing and supporting in their websites : the possibility of transfering funds among the accounts located in different countries by the same accountholder.
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In the original link provided :   XXXX   XXXX   XXXX   XXXX    officially endorses  XXXX , an international partnership allowing  XXXX  accountholders to transfer funds between their accounts. Moreover, Paypal provides a specific email address for usage in transferring money fron one country to another :  XXXX  Please READ this link where the PARTNERSHIP between Paypal and  XXXX  is announced :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  general as well as this Paypal link : https : //www.paypal.com/ar/webapps/mpp/withdraw-funds so all of this confirms, as I said it very enphatically, the invoked reason for keeping the lifting in my Paypal account is COMPLETELY GROUNDLESS, based on FALLACIES and MISSINFORMATION. There is also NEGLIGENCE and bad faith in Paypal attitudes through   XXXX   XXXX    and   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Compliance with Ohio FCRA Identity Theft Fraud Laws Dear ATG CREDIT, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Ohio Finance Code under Sections 1349.19 and 1349.20, and pertinent identity theft fraud laws, notably Ohio Revised Code Section 2913.49. 

It has recently come to my attention that ATG CREDIT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA unequivocally mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

In alignment with federal law, Ohio state law, particularly Section 1349.19 of the Ohio Finance Code, underscores the imperative nature of consumer consent for credit reporting activities. Furthermore, Section 1349.20 of the Ohio Finance Code lays out clear directives for the fair reporting of consumer credit information. Concurrently, identity theft fraud laws, such as Ohio Revised Code Section 2913.49, highlight the gravity of unauthorized access and misuse of personal information. 

I affirm with absolute certainty that I have not provided consent for ATG CREDIT to report any information to my credit report. This evident absence of explicit permission constitutes a blatant infringement of my rights, potentially resulting in harm to my creditworthiness and a blatant disregard for federal and state laws. 

I demand, unequivocally, that ATG CREDIT immediately halts any further reporting of information to my credit report without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1349.19 and 1349.20 of the Ohio Finance Code. Failure to adhere to this demand within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I stress that obtaining consent is not discretionary but a legal obligation under the aforementioned sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiable matter ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I anticipate your immediate attention to this matter and expect ATG CREDIT to expeditiously rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

First Point Resources contacted me concerning a medical debt from XXXX XXXX XXXX. My visit to XXXX XXXX ended because of XXXX XXXX XXXX  forcing me to drive 2 hours to another medical facility to recieve care. I have disputed this account on 20 different occasions. The provider is attempting to use a Collection Agency to extort money I do not owe. Further more the collection agency is attempting to bill me for another patients care XXXX XXXX.
Product: Bank account or service

I opened a CD account with ETrade Bank on XX/XX/XXXX in the amount of {$1000.00}. I made no further deposits after that date. When I recently checked on the status of the account by phone with ETrade bank they told me they have no record of the account. I have the actual CD in my possession. It shows Account Number # XXXX with a annual renewal term and Interest to be paid Quarterly to the Account balance. After speaking to ETrade and getting nowhere I did some research and found that ETrade had sold their CD accounts to XXXX XXXX on XX/XX/XXXX and that all funds would be transferred to XXXX XXXX beginning XX/XX/XXXX. I contacted XXXX XXXX and they confirmed that ETrade accounts were purchased but when I asked them to research my account they were not able to find it. This account should be worth {$1700.00}. I find it ludicrous that neither ETrade or XXXX XXXX has been able to provide any information regarding this account. I would appreciate any help you can offer to resolve this issue as I could put these funds to good use. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report and discrepancies in the payment history of an account with Santander Consumer USA. The details are as follows : Creditor : Santander Consumer USA Current Balance : {$16000.00} Discrepancy : The account is reported as charged off with a balance of {$16000.00} as of XX/XX/XXXX. 
Charge offs must reflect a {$0.00} balance since it was written off and 1099-c distributed.

Additionally, the payment history provided by Santander shows inconsistent balance reductions despite regular and extra payments. 
For instance : XX/XX/XXXX : The balance was {$22000.00} with a payment of {$990.00}. 
XX/XX/XXXX : The balance was {$22000.00} after a {$500.00} payment, which should have resulted in a lower balance. 
XX/XX/XXXX : The balance was {$21000.00} after a {$1000.00} payment, which was not accurately reflected. 
XX/XX/XXXX : The balance was {$22000.00} despite multiple payments, indicating that total payments were not effectively reducing the balance. 

Despite my efforts to dispute this information, the credit bureaus and Santander have failed to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I've reached out to XXXX and they informed me that LEXISNEXIS is the XXXX that sends them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX  XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my report, i decided to dispute error/incorrect information on my report to XXXX, and Equifax on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.
Product: Credit card or prepaid card

On XX/XX/2018, my Bank OF America credit card # XXXX was unilaterally cancelled by BOA. At the time of cancel, I had accumulated XXXX reward points with a cash value of {$2100.00}. This amount was available to me at any time as a cash refund, or as a credit on future purchases, or as a payment on the current balance. 

Bank of America has refused to give me my {$2100.00} in cash, credit, or any other way. By phone, they said once the card was cancelled, the points disappeared and were no longer available to me. 

This is theft without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX XXXX IS DISALLOWING MY CREDIT OPPORTUNTIES AND NOW MUST ADVISE YOU BOTH FOR VIOLATING THE F.C.R.A. 15  U.S.C. Section 1681g and the DODD-FRANK XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. BY DESTROYING CAPITALISM.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disbursed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disbursed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal Law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my Trans Union and XXXX and XXXX credit reports.
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They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted requesting that you remove the disputed fraudulent accounts and information off from my Credit File. I sent a letter on XX/XX/2022, to remove the fraudulent accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Once again, I request of you to remove the following accounts completely from my Credit File : XXXX XXXX  XXXX Balance {$16000.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$3600.00} XXXXXXXX XXXX XXXX Balance {$2500.00} XXXX BANK NA XXXX Balance {$1000.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX Balance {$1900.00} NOT REPORTED XXXX Balance {$1700.00} XXXX XXXX Balance {$10000.00}. I request that you send me the results of your investigation within the time allowed by law in the event that you believe the disputed accounts belong under my name. If you are not able to verify, immediate deletion of the disputed accounts is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$90.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft charges,
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed in the attached letters are adversely affecting my credit report and preventing me from being approved for a mortgage. The false, inaccurate and unverified information is causing financial harm and stress to me and my family. I sent a letter dated XX/XX/2021 to this consumer reporting agency and they have yet to reply to my dispute. Therefore I am filing this complete with CFPB because they are clearly taking advantage of me by ignoring my disputes. I can not afford to wait another 45 days to receive no response again. Section 611 ( a ) plainly states that a failure to investigate items withing 30 days gives reason for immediately removal of those items from my credit report. Therefore I am requesting they delete the accounts listed in the attached letters.
Product: Debt collection

American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$3200.00} XX/XX/2016 N/A $ XXXX/mo XX/XX/2016 $ XXXX American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$1000.00} XX/XX/2016 N/A $ XXXXmo XX/XX/2016 $ XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response. 

When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information. 
There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother. 

I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX 2. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit reporting or other personal consumer reports

I challenged for certificate compliance under 15 U. S. Code 1681z9n ) an unauthorized hard inquiry that appears on my credit report. The inquiry was made by XXXX XXXX XXXXXXXX on XX/XX/year>. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n, any willful noncompliance with the Acts provisions can result in civil liability. I believe that this hard inquiry has been made without my consent, and I am challenging its legitimacy and your certificate of compliance.
Product: Debt collection

Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

TRYING TO COLLECT DEBT THAT IS NOT OWED WE DO NOT HAVE A CONTRACT OR AGREEMENT.