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

I hope this message finds you well. I am writing to submit an appeal regarding the permanent limitation that has been placed on my PayPal account ( XXXX ). I firmly believe that this limitation was a result of a mistake and I would like to present my case for re-evaluation. 

Firstly, I want to emphasize that I have always been a responsible and law-abiding PayPal user. To the best of my knowledge, I have not violated any of PayPal 's policies or engaged in any activities that could warrant such a severe action. I have been using PayPal for a considerable period, conducting legitimate transactions without any previous issues or complaints. 

I am kindly requesting PayPal to thoroughly re-investigate my account and the reasons behind this permanent limitation. It is my sincere belief that there has been an error or misunderstanding, which has led to this unfortunate situation. I genuinely value the services provided by PayPal and the convenience it offers, both to me and countless other users. Hence, I earnestly hope that the issue can be resolved, and my account can be reinstated as soon as possible. 

I understand that PayPal must take measures to ensure the security and integrity of the platform for all users. However, I humbly request a second look at my case, and I am willing to provide any necessary information or documentation that may aid in the review process. I truly value the trust and confidence that PayPal places in its users, and I assure you that restoring my account will not be in vain. 

In conclusion, I kindly appeal to PayPal to re-evaluate my account 's limitation and reinstate it if possible. I believe in the fairness and professionalism of PayPal 's support team and have faith that my case will receive the attention it deserves. 

Thank you for taking the time to review my appeal. I look forward to your positive response.
Product: Payday loan, title loan, personal loan, or advance loan

I was originally offered a nice low interest debt consolidation loan but was quickly tricked into an extremely high interest rate loan for 15 years long my original quote was about 12 to 15 % now Im paying upwards of 22 % for 15 years. The loan was supposed to be for XXXX and they added fees which made it XXXX. I was definitely tricked into thinking this was a good financial decision on their part. I payments are also being made to five star bank not BHG financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit report information with Equifax and XXXX all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 I noticed XXXX XXXX XXXX  was on my credit report and I never applied for a loan wit this company. So I filed an identity theft report and dispute it with all three credit bureau to which all three companies concluded identity theft did occur and deleted the item. On XX/XX/XXXX of this year I was checking my credit report and noticed XXXX XXXX back on my report to which I was not given notice. This is a violation of my rights. Not only did maintain a reasonable procedure to prevent this reappearance which is a violation of 15 usc 1681i ( c ) Equifax also violating my rights under 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) they reinserted a previously deleted item without notifying me in 5 days.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XX/XX/year> {$8400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

The funds in my account were frozen. I contacted Penfed and they stated due to my account being frozen they would return the money deposited into my account by the SBA back to the treasury department. This was stated to be done on XX/XX/XXXX. I contacted the SBA and the funds had not been returned and the rep I spoke with at Penfed would not answer my calls nor return my call to inform me that my money had been sent back to the SBA. I finally got a chance to speak to a rep yesterday who stated on XX/XX/XXXX that my funds had not been returned and that she would be processing them via check which she could not state when this would be done. I was told this had already been done on XX/XX/XXXX which XXXX XXXX the head of the security department had stated this had been completed only to discover it had not been completed.
Product: Checking or savings account

Every time I utilized the oops protection I was charged XXXX dollars plus
Product: Debt collection

This Debt was Charged of in XX/XX/XXXX with XXXX. In XX/XX/XXXX it went to Asset Acceptance LLC. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, Asset Acceptance , LLC, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
Product: Debt collection

XXXX of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with Chase Bank from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. XXXX has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. Lis Pendens was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, XXXX ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Product: Mortgage

I contacted Amerisave Mortgage to refinance my home. 

I signed a disclosure on XX/XX/2021. Due to inept mortgage broker, I closed on XXXX XXXX. My lock ran out in XXXX : however this broker assured me, as well as his supervisor, that they would honor the terms of the original disclosure. 
When I went to closing, Amerisave increased my cost for points from {$6500.00} to {$14000.00}. I objected to this increase and they reduced the points to {$10000.00}. Using the same interest rate in all cases. They would not honor the original points as verbally agreed upon. 
I had problems with this company : from the start, they had 2 applications open for me, One was a refi, the other was a refi with refi with cash out. I gave them my visa credit card info for the {$500.00} application fee. This was returned to my bank because when they cancelled the refi they cancelled both applications. I received an email stating this ; I immediately called to have them correct this. I verified with my bank that I had not cancelled this fee which the bank verified that I did not. It had come from Amerisave. 

I also had to remind them several times that the appraisal was not done. It appears that when they cancelled the refi this cancellation caused a problem with their scheduling department and everything was in disarray.
Product: Debt collection

Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015. 

Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file. 

They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit. 

They have not followed through with their promise to remove this from my credit file.
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts, I have tried in vain to dispute this with the bureaus but to no avail, the accounts in question are : XXXX XXXX XXXX XXXX {$1700.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX {$210.00}
Product: Money transfer, virtual currency, or money service

ON OR ABOUT XXXX XXXX XXXX MY PHONE WAS SIMM SWAPPED LEADING TO MY ACCOUNT AT COINBASE BEING COMPROMISED. COINBASE LOCKED MY ACCOUNT. I FILLED THE REQUIRED FORM OUT AND RECEIVED CASE NUMBER XXXX, AND NEVER HAVE HEARD A WORD BACK, KIND OF SCARY WHEN YOU HAVE FUNDS ( $ XXXX ) SITTING THERE AND ARE UNABLE TO ACCESS IT.
Product: Student loan

I'm filing a complaint against Navient with the CFPB with the intent to receive a School Misconduct Discharge Application ( SMDA ). I am confident that I should qualify for the SMDA pilot as I attended the XXXX XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX - XX/XX/XXXX and was pressured into getting additional private loans by the recruiting staff at the school to be able to attend. The government just announced a XXXX XXXX dollar discharge for XXXX students who attend the XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX due to widespread fraud including, but not limited to, dishonest recruitment practices, false reporting for job placement, using non-related job data as placement statistics, false reporting on income to expect after graduation, and aggressive recruitment tactics. I am a part of this most recent wave of discharges by the Department of Education, which comes after pressure from the XXXX XXXX XXXXXXXX case and I assume a significant volume of new Borrower 's Defense to Repayment ( BDTR ) applications.. 

Additionally, Navient has been found to have pushed former students toward forbearance rather than income based payments plans or deferment, which consequently caused them to add to their principal and, ultimately, the interest that they would have to pay. I experienced this myself several times between XXXX ( before the loans were separated from Sallie Mae ) and XXXX when my in-school deferment ran, including multiple times that I had to speak with representatives and make payments in XXXX, XXXX, XXXX, and XXXX. 

I took out XXXX private loans with a cosigner, the first with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 12 % interest and a payoff date of XXXX/XXXX/XXXX, and the second with an original principal of XXXX taken out on XX/XX/XXXX with a current balance of XXXX at 16 % interest with a payoff date of XXXX/XXXX/XXXX. To date I have paid a total of XXXX on these loans since XX/XX/XXXX and XXXX has been paid since XXXX of XXXX, which is significantly more than the original principal.
Product: Student loan

I have been in a non stop struggle with XXXX XXXX XXXX ( XXXX ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through PNC. XXXX has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. XXXX has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between XXXX and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters first birthday, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. I cant even die to get out of this, its terrible.
Product: Credit card or prepaid card

I have an Ulta brand XXXX through Comenity bank that I have had on almost 6 years. I have been a platinum Ulta rewards member since then meaning I spend at least $ 1200 yearly and I have never missed a payment on this credit card. I use my card actively. I have been unable to use the card for the past month and am unable to log into my account online. In addition, comenity bank reported my account closed to XXXX on XX/XX/2022 without notice or any reason.
Product: Checking or savings account

On XX/XX/XXXX I have received a new creditKarma debit card ( https : //www.creditkarma.com/ ). On XX/XX/XXXX there was a strange {$1000.00} transaction posted on my checking account. I noticed it on XX/XX/XXXX and filed a dispute ( Case # XXXX ). After several clarification emails on XX/XX/XXXX I was informed " Your case has been escalated to our disputes team for further assistance. Please allow the investigator assigned to your case time to review and address your concerns. '' Ever since I have not heard anything from CreditKarma. I have phoned with them 2 times on Mon XXXX XXXX they told me that the dispute shall be resolved by XX/XX/XXXX the latest and XXXX XXXX they said that they don't know when the dispute is going to be resolved. 

I would like to have these funds to be returned to my bank account and the interest for 1 month of use to be reimbursed. 

Best, XXXX
Product: Debt collection

XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!
Product: Credit card or prepaid card

On XX/XX/2022 I called JC Penney 's XXXXSynchrony Bank Customer Service XXXX XXXX XXXX ) XXXX and I spoke to XXXX ( XXXX ) and I advised him that my payment was going to be late. The payment was due on XX/XX/XXXX but I couldn't pay it until XX/XX/XXXX, XXXX said my cycle starts on XX/XX/XXXX and that I would need to pay {$400.00} if I pay on XX/XX/XXXX and I would still need to make a payment of {$400.00} on XX/XX/XXXX. I told him the amount due is {$190.00} not {$400.00} he became very irate and started yelling at me and begun being condescending. He refused to accept my payment on XX/XX/XXXX and I was getting nothing resolved so I asked to speak to a manager or a supervisor, XXXX kept refusing my request he said they're going to tell you the same thing so he would transfer or put a manager/supervisor on the phone XXXX ( XXXX ) times a asked for a manager/supervisor. On XXXX XXXX I called to make a payment I was transferred to a customer service representative I tried to get my account straightened out once again I got know where. On XX/XX/XXXX I spoke to XXXX she insist I pay {$440.00} not the {$190.00}. On XX/XX/XXXX I spoke to XXXX she request I pay {$310.00}, then it increased to {$440.00} then final request offer was {$690.00}. They tried extorting money from me. They then called the credit bureau everyday with inquiries damaging my credit scores in retaliation against me they also closed my Synchrony Car Care account I never paid late nor have I missed any payments just another attack on me, I only found out my Car Care card was closed when I called in to pay my bill and the automated system advised me of that, Synchrony Bank made false statements to the Credit Bureau 's. I don't know what more to do. That Bank has taken over several companies and I'm afraid they will closed the rest of my other cards in retaliation of this situation. They need to be investigated I quite sure I'm not the only consumer they have violated. They also kept raising my interest rates when they were XXXX percent my rates were over XXXX percent. They are unethical in their business dealings. I have sent letters to Synchrony Bank ( all three ( XXXX ) of the addresses in Florida, Utah. Synchrony Bank calls my phone, leave text messages and voicemails everyday but they will not resolve said issue.
Product: Debt collection

EXPLAINED IN PERSON TO BANK MANAGER THAT MANAGER AT THE TIME OF THE TRANSACTION SAID THAT HE AND ASS'T MGR AGREED THAT IT WAS A FRAUDULENT/SCAM AND THAT THEY WOULD HAVE TO CLOSE ALL ACCOUNTS AN GRIND ALL CARDS - - DEBIT AND CREDIT - - AND THAT IS WHAT THE MANAGER DID. HE THEN MADE THE STATEMENT TO US THAT " THEY DIDN'T OWE US ANYTHING AND WE DID NOT OWE THE BANK ANYTHING. LATER WE RECEIVED STATEMENTS FOR THE {$990.00} AND WE HAVE BEEN DUNNED FOR THAT AND ALL THER OTHER CHARGES THEY ADDED EVER SINCE AND THEY HAVE DENIED THAT THE ORIGINAL MANAGERS STATEMENT WAS EVER MADE. THEIR STATEMENTS DO NOT INDICATE ANY PROOF THE WE WERE THE ONES THAT USED THE CREDIT CARD. WE HAVE OFFERED TO PAY THE ORIGIGAL PRINCIPLE AMOUNT BUT THEY REFUSE TO ACCEPT ANYTHING LESS THAN THE ENTIRE AMOUNT OF {$1400.00} WITCH INCLUDES THEIR CHARGES.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX