davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IA)

I am writing to formally appeal the recent limitation placed on my PayPal account associated with the email address XXXX. I believe this action was taken by mistake, and I respectfully request that my case be re-investigated. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies. I have always strived to comply with all the terms and conditions set forth by PayPal, ensuring the integrity and security of my transactions. I have carefully reviewed the PayPal User Agreement and am confident that my account activities have not breached any guidelines or rules. 

Given this context, I kindly ask PayPal to re-investigate my case. I am more than willing to provide any additional information or clarification required to assist in this process. Restoring my account is crucial for my business operations, and I sincerely hope that a thorough review will demonstrate my adherence to PayPal 's policies. 

Thank you for your attention to this matter. I look forward to your favorable response and am hopeful that my account will be reinstated promptly.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

US BANK, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF XXXX  XXXX XXXX PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL XXXX  CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. US BANK IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF XXXX  OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT US BANK IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED US BANK TO THE XXXX  AND XXXX  ATTORNEY GENERALS, AS WELL AS THE XXXX XXXX AND THE CFPB AND THE XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (AZ)

I was in Old Navy making a purchase and was told that if I applied for the Old Navy credit card, I would receive $ XXXX off the purchase I was making in store that day. I agreed and they said the transaction and discount would be applied immediately to the card, pending my application approval. My application was approved but they said there was an issue and the promotion was not working. I said the only reason I was applying for the card was to get the promotion that they told me I would receive, so if I wasn't receiving it, I no longer wanted the card. They said it was too late, I already submitted my application and I would have to contact the credit card company to rectify it. The credit card company also said there was nothing they could do when I called. I was coerced and lied to to apply for the credit card. I want that reflected on my credit report so that they opening and closing of this account does not impact my credit score.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Barclays Bank Delaware Credit Dispute Department XXXX XXXX  XXXX XXXX, DE XXXX Dear XXXX, Subject : Follow-Up on Dispute of Inaccurate Credit Report Information Underage Account Thank you for your response dated XX/XX/year>, regarding my dispute of the Barclays View Mastercard account XXXX in XXXX. 

I am writing to reiterate my position that the account was opened illegally while I was under the age of XXXX without a cosigner and without the means to independently make payments. 

According to the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CARD Act mandates that individuals under the age of XXXX must either demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card or have a parent or another person who is at least XXXX XXXX XXXX cosign the credit card. Here is a direct reference to the policy for your convenience : The CARD Act requires people under age XXXX to have a parent or other person who is at least XXXX XXXX XXXX cosign the credit card if they cant demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both the CARD Act and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : - Previous Correspondence Copy of Identification
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

I recevied a debt collect from Jefferson Capital today after remove the collect debt on credit report in couple of months ago. 

Jefferson Capital is harrasing me and push me for due is XXXX dollars instead of XXXX dollars. 

I pruchased online XXXX website for airline as XXXX payment from XXXX dollars. 

XXXX hit national wide after XX/XX/year> and Airport and Travel shut down. my budget just change and lack of payment for travel and hotel and airpaine limit or canacelled. 

I tried to call XXXX and XXXX XXXX XXXX They tried to avoid and pointless. They are kind of blame me cuase by XXXX. I loss half of amount buy airline.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This is regarding my complaint case ID XXXX which was unfortunately closed without resolve. 

While Chase bank has now responded, the information they provided is unfortunately false. While they did credit our accounts initially in early XXXX after a month of depositing the funds ( leaving out {$5.00} from my original deposit ), they sent a letter to our Chase account that stated after their fraud investigation, it was found that the transaction was processed according to the information I provided or was found authorized. Because of this, they removed {$2000.00} on XX/XX/XXXX and provided no evidence or further information. This again is criminal and fraud as we never authorized anyone to take money from our deposited accounts. We've reached again a week ago to get this resolved and still haven't received a response. For the last month and half, we have not had all of the initial money from our deposited wedding funds in our accounts. Again, this is criminal and fraud and neglect continued by Chase Bank. Please respond with the action to return these funds.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Scammer used XXXX XXXX and XXXX XXXX  with debit card information to wire transfer funds from my checking account into their accounts. Scammer posed as a Wells Fargo employee trying to help close my debit card to gain access to my card number. XXXX XXXX was unknowingly infiltrated along with XXXX XXXX Reported this to bank and a couple of transactions were returned but the majority of the transactions were not refunded. Stated that it didnt show it was fraud. I stated that I had evidence of the individual in my phone ; since they hacked my XXXX XXXX, their pictures loaded into my XXXX Wells Fargo stated they couldnt do anything about it and to file a police report.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (VA)

Ally financial repossessed my vehicle in XXXX, XXXX.and tansferred the title to their name for purpose of selling the vehicle, according to correspondence sent to me in XXXX, XXXX. I had been in constant contact with them, received a pay off amount of XXXX and provided them a date that I would recover the vehicle. On XXXX XXXX, I received notice of the title change and offer to refund me fees related to title transfer back to my name. Ally Title Administration received my request for reimbursement on XX/XX/year>. To date I have received no reimbursement, nor will they return my calls. 
While in the DMV yesterday, I was made aware that title was officially transferred yesterday XXXX XXXX. Since I have no access to my account at all, Ally continues to accept my payments through athird party vendor with an additional fee of XXXX. The loan matures XXXX, XXXX  is why I need access to my account.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (TX)

THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS ALREADY DEEMED NOT MINE IN A PREVIOUS INVESTIGATION, AND NOW TOTAL VISA IS ALLEGING THE ACCOUNT IS NOW MINE 1 ) TOTAL VISA LETTER DATED XX/XX/year> : ALLEGING ACCOUNT IS NINE 2 ) TOTAL VISA LETTER DATED XX/XX/year> : VERIFICATION OF ACCOUNT FRAUD, NOT MY ACCOUNT, AND REMOVING THE ACCOUNT FROM MY PROFILE 3 ) CFPB COMPLAINT PREVIOSLY FILED AND WON : # XXXX AND # XXXX XXXX ) XXXX XXXX POLICE DEPARTMENT REPORT XXXX XXXX XXXX XXXX, & XXXX ALL FILED IN RELATION TO THE IDENTITY THEFT CASE REMOVE THIS ACCOUNT FROM EVERY SINGLE PERSONAL REPORT RELATED TO MY CREDIT PROFILE OR I WILL LITIGATE THIS MATTER AND SEEKS DAMAGES FOR YOUR UNLAWFUL REPORTING, UNLAWFUL CREDIT REVIEW, DECISIONING AND SERVICING OF FRAUDULANT DEBT
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX at XXXX i went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ) atm machine to try to withdraw XXXX XXXX The screen told me transaction declined, no money came out, so I tried again but for XXXX XXXX the transaction was approved and i got 100 . The declined transaction took my money out of my bank ( XXXX XXXX XXXX ) anyway so I tried to dispute it. Earlier in that same day I had made multiple other XXXX $ withdrawals from a casino, and there were also two withdrawals totalling XXXX $ i do not remember making, as i believe my drink was spiked after making a lot of people mad. When I asked the casino dealer standing at the table where i made the XXXX $ withdrawals ( there's a little card reading machine similar to a gas station 's machine ) about the largest transaction, she didn't know what I was talking about. I went through my bank and made a police report to try to dispute the XXXX and XXXX $ withdrawals, but they're saying there was no suspicious activity and they took my money anyway. Now they're trying to take the XXXX $ from the declined transaction, and i know with 100 % certainty that my bank is in the wrong. I am not the only one this has happened to, something very similar happened to a XXXX XXXX, but drugged at a different casino and involving millions of dollars. I was unable to get drug tested as I had to sleep and go to work or risk getting fired, and the detective told me there wasn't any video footage of the day i went to the casino, convenient. I had to borrow from moneytree just to pay the bills, now i owe them XXXX XXXX my account is nearly in the negative and i am alone in this fight. I have spent thousands gamblingand drinking before this fiasco, and not once have i ever disputed that money that i lost until now.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

This is to dispute a charge with old navy in the amount of {$80.00} on XX/XX/year>. 

I confirm that I never received my package. According to company, my purchase was left outside building. I do not understand why my merchandise was left outside building if my area is not safe. 

All my other packages are left inside my building by mailbox. See attached for recent orders. 

I am requesting for the payment to be removed from my account. It is unfair that I need to make a payment for not receiving my package.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

i have called and filed several complaints, with wells fargo executive office and they dont call me back i speak to the secretaries and they promise i will get a call back and still nothing, they credited me about XXXX last time but i did the math and we are short around XXXX and my understanding and everyone i speak to says covid modification cant have fees. so, i need to speak to someone and stop being ignored by well fargo, they deny to provide the recording of 8 calls they say those calls werent recorded, i requested the callls to be recorded they werent sure they could do that. no recordings no call backs how do we hold these people accountable?
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing this complaint with the CFPB to request that Equifax, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ).

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$8700.00}. 
2. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$8200.00}. 
3. A banking account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
4. A personal credit card account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$550.00}. 
5. A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5100.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer XXXX credit report from Equifax that includes these fraudulent items. 

I do not recognize any of these accounts or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.