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

My PayPal account was flagged & restricted for the second time on XX/XX/year> after purchasing a rug on XXXX. PayPal claims that the User Agreement or Acceptable User Policy was violated. But they refuse to tell me how or why that happened or what i did wrong. I've even contacted the XXXX XXXX XXXX for help with this matter ... no resolution. PayPal requested that I submit additional information about my last few transactions in order to resolve my account, and that my account would be reviewed in 2 days. I submitted the information requested right away ( on XX/XX/year> ), but its now been 2 weeks and nothing has changed. I received an email from PayPal today XX/XX/year>, asking me to sign a " compliance affidavit '' in order to restore my account. I have no issues with signing the affidavit but I do not agree with the terminology & verbiage of the affidavit. It states that I've violated PayPal 's and/or policy " again '', and insinuates that ive committed illegal transactions or Fraudulent activities... which is completely false! I've had my PayPal account for about 10yrs and I have never done anything illegal, fraudulent nor sold any goods & services with my PAYPAL account. I do not understand how PayPal can restrict my account, withhold funds or limit access to my cards on file without providing me with information of what happened nor verify or prove what is it that I've done wrong.
Product: Checking or savings account

I deposited a check into my checking and savings account with sofi. My checkings account deposit was perfectly fine but after a day my savings account deposit was retuned once my check deposit to my checkings cleared my account became restricted and my savings deposit got returned XX/XX/year> on XX/XX/year> the savings deposit that was originally retuned was made available to me but since my account has been frozen with no exact reasons why I have no access to my account money or debit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX  but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XXXX of 2021 and I was not notified until XXXX of 2021. I made a payment via Shellpoint in XX/XX/ 2021 and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/ 2021, however Shellpoint has no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX 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 XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, FRAUDULENT NAMES 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, FRAUDULENT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( XXXX ) : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In 2016 spoke to Amex about how the credit limits work Amex stated on numerous occasions that XXXX  credit bureau randomly sends info. From that info Amex has reduced my credit limit twice without proper notifications as agreed in there regulation and policy. they have refuse to answer questions we have talked for hours being transferred over 6 times all lines. An Amex rep stated many customers who have been with them over 15 years have never been audited or reduced or ever put in review. But somehow I have been reviewed over 3 times since having this account. I have never been late and I have followed all protocol to guarantee an increase. I am never notified or given a formal reason. 

Also this is a travel card due to covid the benefit are not available yet the XXXX fee was not refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

The debt collection agency continues to send letters to my address, even though the person who owes the debt is not affiliated with me and does not live here.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Experian is not reporting correct information to my credit report. My FICO score and my XXXX XXXX monitoring score are completely different. Also, I have incorrect and inconsistent information reporting on my report. I need my score as high as possible and it is unfortunate because many items are preventing positive scoring. This is affecting me as a consumer negatively. 

I have contacted Experian and they can not and have not helped me. This is the only credit bureau negatively affecting me and preventing me from the higher score that I have worked hard to maintain. 

I have XXXX credit cards and XXXX secured loan not reporting on my Experian bureau at all. 

XXXX as an authorized user opened XX/XX/21 @ {$18000.00} is not reporting on my Experian. I also have this address listed on my credit report. 
XXXX opened XXXX XX/XX/21 @ {$500.00} is not reporting on my Experian. 
XXXX XXXX opened XX/XX/21 @ {$200.00} is not reporting on my Experian. 
XXXX opened XX/XX/21 @ {$600.00} is not reporting on my Experian. 
XXXX secured loan opened XX/XX/21 XXXX @ {$500.00} never reported to my Experian. 

I need these XXXX good history accounts to report to my credit immediately to boost my score and help me secure my financial goals. This is preventing me from receiving the benefits and hard work I have put into my credit to pay my bills on time. This is affecting me very negatively.
Product: Debt collection

Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus.

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX   Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX   Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX/XXXX  Account # :XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX   Account # :XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX/XXXX/XXXX XXXX XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX/XXXX XXXX Account # :XXXX Date Open : unkown Balance : unknown
Product: Credit card or prepaid card

According to the response to the CFPB XXXX, Upgrade stated : " Due to our error in communicating, we have sent you an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '' Based on today 's phone communication with XXXX at XXXX XXXX PST XX/XX/2022, she admitted Upgrade made a false statement about having sent " an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '', and instead will send a check for this amount to the address on file, without specifying when it will happen - " some time in the future '' A false statement to a Government Agency XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to XXXX to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. 

In 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US Congress : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

As provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all CRAs. Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Transunion to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.
Product: Bank account or service

On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dates are incorrect. This is a old collection. I had no knowledge of. It shouldve been paid through bank. I havent used this company in the past years. Got removed from 1 collection bereau company but not this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Navient for my student loans. I was granted a deference a couple of years ago, but Navient still reported to all XXXX credit reporting bureaus XXXX XXXX XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from Navient with all the information.
Product: Credit reporting or other personal consumer reports

I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is critical as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent XXXX and Equifax breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress. 

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the XXXX late payment 's reporting on my XXXX, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.
Product: Debt or credit management

when it comes to disputing things off my credit report the company not fighting on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit act XX/XX/XXXXaccount # XXXX, XXXX, XXXX, has violated my rights. Aldous, XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across XXXX and TransUnion. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm reaching out today to inform you that I've fallen victim to identity theft. Please consider this letter as a formal dispute regarding the following accounts. I've already reached out directly to all the companies involved, as instructed, to address this issue. I've filed an identity theft report with the FTC and have contacted all the companies to dispute the information that shouldn't even be appearing on my file. I kindly request your assistance in resolving this matter. 
Please remove these accounts promptly. Your attention to this matter is greatly appreciated. I apologize for any frustration expressed ; however, these oversights on your part are causing significant financial difficulties for me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX