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

Complaint Against PayPal for Holding Funds Despite No Chargeback Risk Date : XXXX Complaint Against : PayPal My PayPal account was permanently limited on XX/XX/XXXX, and funds are being withheld despite no risk of chargebacks or reversals. The funds originated from a cashed payroll check deposited through XXXX XXXX. While PayPal claims the limitation is due to having multiple accounts, I am not a seller and pose no risk of chargebacks. 
* On XX/XX/XXXX, I deposited a cashed payroll check with PayPal through XXXX XXXX. An attempt to withdraw the funds immediately resulted in an XXXX hold that ultimately failed. I contacted PayPal support for assistance. 
* On the same day ( XX/XX/XXXX ), my PayPal account was permanently limited. I contacted PayPal by phone, and an account review was initiated on XX/XX/XXXX. 
* On XX/XX/XXXX, I received information from PayPal stating that the account limitation was due to having multiple accounts. I have two PayPal accounts, one for personal use and another opened several years ago that I no longer use actively. However, I am not a seller and have never used either account for any commercial activity. Therefore, there is no risk of chargebacks or fraudulent activity. 
* I have made multiple attempts to resolve the issue with PayPal, expressing confusion about the hold and lack of chargeback risk. I also filed a complaint with the XXXX on XX/XX/XXXX. However, PayPal has maintained the limitation and restricted access to my funds. This has caused significant hardship, as I rely on these funds for essential expenses such as fuel for my vehicle to commute to work, groceries and household supplies, and bills including water, electricity, gas, and rent. 
Due to privacy restrictions within the PayPal app, I am unable to provide screenshots of their communication regarding the account limitation. However, I have attached redacted versions of the emails I sent to PayPal inquiring about the limitation and attempting to resolve the issue. These emails further detail the situation and my efforts to communicate with PayPal.
Product: Mortgage

I received a certified letter from XXXX XXXX on XX/XX/2016. They indicated that they were referred by our Servicer ( Bank of America ) to XXXX for Foreclosure action. My complaint is for XXXX XXXX to stop committing forgery to foreclose and to give us competent and reliable evidence. XXXX XXXX is violating the FCDPA and US Mail Fraud Statues by using deceptive means to collect. We have searched the Secretary of State for California website and they are not even registered to do business in California. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from a debt collector regarding a credit card bill. They address they have on file I rarely reside in its my mothers home so at any time if they did sent me letters I did NOT receive them. Now they are threatening to garnish my wages AGAIN and get my employer involved.
Product: Consumer Loan

a debt collector from consumer portfolio ( cps ) called me, I hung up on him telling him it was a bad time too talk I was driving, he called me right back, again I told him it was a bad time and hung up again. he called me again, I said it is a very bad time I am going too hang up, and I did, he called me again, XXXX times in a row. I asked to talk too a manager, this collector told me no manager was working and he hu. I stopped at a rest area on the pa turnpick and called back, talk too a working manager. she told she would have too listen too the tapes of the call. I asked when I could call back? she sd in a few days. so I did, XXXX months later after a lot of call back and leaving messages I talk with the manager as no one else could help me but her. she sdaid tha she could not hear me well now, so I asked why did the collector call me back XXXX times w/ a XXXX mints, why did the collector tell me there was no manager working, how is he allowed too do this.. she sd she could not hear me ... so I asked again, she told me collectors arellowed too call as many times as they feel they have too, and they do not have too follow the fdcpa because they are XXXX party. it does not apply too XXXX party collections, then she asked who is my atty, that was all she care about.. I asked her too clear this up ... just too make sure, her collector called me XXXX times in a row after I hung up. I asked for a manager and the collector refused too give me XXXX, and he is allowed too do this, she said yes. the laws do not apply too XXXX party
Product: Debt collection

On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.
Product: Debt collection

I checked my credit in the beginning of XXXX and discovered that I had a collections placed on my report. I contacted the collections company listed and they said it was for a company that I had had scam problems with years earlier. I successfully had the account closed and it removed off my credit years ago. I explained to the credit bureaus in my dispute in XXXX that it had already been resolved and removed from my credit report. 
The collection agency sent me a copy of my agreement with another company that I had agreed to services for. 
This was YEARS ago and I am trying to remember all this as I don't even know where to look for any paper work as this was resolved and removed years ago. The original company did not respond or maybe the line was disconnected?? The alarm system had stopped working. I got a bill, called the new company and they said they would send someone out to fix it and set me up with service. No one showed. I told them this and after months they never managed to get someone out to fix the system or set me up with service. I told asked XXXX to show me a copy of any contract I have with them and they don't have one so they dropped my negative report on my credit report YEARS ago. I have no contract with XXXX. They never provided service to my former home. They have had their claim dismissed once before by all XXXX credit bureaus. I am tired of being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX
Product: Debt collection

This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.
Product: Mortgage

I closed on a mortgage with Guaranteed Rate 3 years ago and they wrote me a week ago stating I owe them over {$36000.00} dollars because they had to sell my mortgage at a loss because I changed jobs before I closed. They also disclosed my private information to co-workers after the closing because they did not confirm who they were communicating with and it wasn't HR. I sent them a notarized document showing I was on my job which was provided to me in confidentiality but they are going to contact my former employer anyway even after I emailed them and told them not to. They are continuing to harass me. They have been harassing me for 3 years. I am not responsible for their losses. I was employed in the same field of work for XXXX XXXX and have been current and on time with every mortgage payment. Their harassment continues and it's non stop.
Product: Credit reporting or other personal consumer reports

This is a junk debt buyer trying to collect a zombie debt that doesnt belong to me. Sending harrasdin collection letters
Product: Credit reporting, credit repair services, or other personal consumer reports

There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a XXXX XXXX XXXX for ( XXXX ) XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a XXXXotal Lease amount due of {$6.00} for each of these telephone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave Experian nor XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres 3 big violations that I was to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See XXXX XXXX XXXX XXXX  ). These debt collector arent authorized to conduct business in Arkansas or Texas. 
XXXX, XXXX Acct # XXXX ( See XXXX XXXX ) -XXXX XXXX XXXXXXXX acct XXXX XXXX ( See Exhibit 2 ) 3. According to the FCRA all account must thoroughly verified before report. If the name, account number or amount of the report account is incorrect then it must be removed. The account below isnt mine. The name report on the account doesnt belong to me. My name is XXXX XXXX the below account is list for someone by the name of XXXX XXXX. 
XXXX XXXX XXXX Acct # XXXX ( See XXXX  XXXX ) XXXX, XXXX agreed to cease all communications see ( Notice of Cease & Desist CFPB Complaint # XXXX ). According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.
Product: Debt collection

Had emergency XXXX XXXX at XXXX XXXX XXXX XXXX in XX/XX/2018. My account was turned over to collections and then a judgment was filed against me. I had a court date but then received notification that court had been cancelled. A few weeks later I received a Satisfaction of Judgment Against Defendant stating that the debt has been satisfied and paid in full but it is still showing negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, equifax, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I unfroze my credit. 

I sent my Driver 's License and Social Security Card on.XXXX XXXX. 

Equifax has refused to remove an PII so I can qualify for a mortgage with XXXX XXXX XXXX
Product: Student loan

A Sallie Mae private loan came up in June 2016 with me as the borrower and my late father as the cosigner. I had no prior knowledge of this loan so I tried to gain as much information about it as I could. I contacted Sallie Mae about three times, trying to get a copy of the promissory note ( with signature ), but I was either ignored or sent the wrong information. Eventually they sent the correct documentation and the information under my name was horribly incorrect. My martial status, place of work, source of income, and homeownership was a copy of my fathers information. It stated that while attending college, I worked full time for 5 years at a XXXX XXXX, made {$100000.00} with additional income from a spouse of {$100000.00} ( which is inaccurate ). It stated that I was also married and owned a home. The only thing else on the loan was an electronic signature, I asked for a copy of a written signature or a signature written with a track pad, but they did n't respond. I was told by my step-mother to see her lawyer ( an elder and estate law firm ) for help and they advised me to continue to pay the loan while they sent a letter. The response from the letter was that because I took advantage of the loan and that they have an electronic signature I was still responsible for the loan. I found out by looking at the paperwork that my father took out this loan in XX/XX/XXXX while being treated for XXXX and died on XX/XX/XXXX. My father listed that I worked at XXXX XXXX in XXXX and that he worked for XXXX XXXX. I was never notified of the existence of this loan and have met my responsibilities with all the student I was obligated to pay. I was never told about the existence of this loan there I am not responsible. As a side note my mother and I called the US Department of Education and was advised to call XXXX to see if the loan was federal or private and it was private loan from Sallie Mae. When we call Sallie Mae and attempted to speak to a representative on this matter, the representative put on hold then came back and abruptly informed us that she could not speak to us any further and to have our lawyer call this number XXXX. When we called it was not in service and referred us to the original Sallie May number.
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting

This acct is not accurate on my report and is showing negative. I have called and sent certified letters. It was never late, now showing negative closed and chargeoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello I got an alert on my monitor system that an account is closed. 
when looked deeper their was another account opened with same company which I had a card for and they automatically opened and closed account. upon further investigation it should account Opened XX/XX/2011 ( 8 yrs, 0 mos ), But I had not connection with bank at that.. and also show that I made payment on time,, and closed the account. 

Bank - SYNCB/PPC ( Synchrony Financial )
Product: Mortgage

During my bankruptcy for the mortgage loan the lender has excessive fees. Once caught up these fees were subtracted from the mortgage payments and not as a second payment. They are legal fees and other such fees. 
The current example this ongoing situations is on XX/XX/XXXX, a catch up payment of {$2100.00} was paid via wire transfer to the Mortgage company which covered miss loan payments of XXXX, XXXX and XXXX as advised. However, there was agreement to pay 5 stipulation payments ( their legal fees ) of {$170.00} of which 2 are still owed. The lender shorted the loan catch up payment made on XX/XX/XXXX by {$400.00} toward fees owed. Also, the mortgage payment increased from {$710.00} to {$830.00} which also caused a shortage in the XXXX and XXXX payments. 
Therefore, leaving an under payment and suspense payment amount of {$430.00} which is not enough for a payment. 
With this being the case I am not short on my loan payments with the threat of foreclosure proceedings due the lender saying I owe XXXX, XXXX and XXXX payments. In addition to the XX/XX/XXXX payment I have paid XX/XX/XXXX {$710.00} and XX/XX/XXXX, {$720.00}. 
I have lived in my home since XX/XX/2008 ; and because of the ongoing financial duress with these fees it has been difficult to maintain mortgage payments the payments shortened for fees. Thank you for your assistance with this matter.
Product: Checking or savings account

I received an email from Chase.com yesterday XX/XX/2020 at XXXX alleging that I recently deleted my phone number from my Chase mobile account. Since I did not do that, fearing fraud, I immediately attempted to login to my account at chase.com. Upon entering my password, a message appeared that my account had been locked and to call the provided number XXXX. I called and after some time with a customer service rep was told that my accounts were closed with no notice, recourse, access or explanation. I now, during a pandemic, lockdown, riots and everything else, do no have my funds to live, eat, fuel my car, etc.
Product: Credit card or prepaid card

I was led to this complaint by being informed about the Lawsuit against Credit Karma. If this is the right complaint to file then, Yes! Credit Karma mislead me with offers for credit cards. Yes i wanted to have credit cards but by the time i applied to the many offers they sent me through the app and in the mail, My credit was ruined because of the " soft pulls '' they claim wouldnt hurt my scores. If this is the right complaint, I still have numerous mail offers from them as proof that they helped ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX XXXXXXXX Original balance- {$720.00} account NAME- XXXX XXXX Account XXXX Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updated-XXXX XXXX Past due amount -- Original balance- XXXX XXXX  Monthly payment- {$0.00} Contact info Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.