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

I was placed with a temporary restriction ( Ref XXXX XXXX XXXX XXXX  on XX/XX/2023 when I received 3 payments on the same day as a personal payments. I think it is my utmost right to use PayPal as a payment receiving platform and I am allowed to receive personal transactions. 

Anyhow, Since I was being placed with a restriction, I had to provide with the right form of documentation and explanation necessary for the restriction to be uplifted. Disappointingly, in a spare of seconds, after completing the appeal steps, my account was placed with a permanent restriction. This made me as a user disappointed and disillusioned with the PayPal security system as I was not doing any gambling or any illegal activity with my PayPal account. Then how come my account must be restricted? Is this what we deserve as a consumer? 

I ask PayPal, if there were to provide additional information, I must have been asked first before putting in a restriction. Now who will be responsible for the {$2600.00} that is sitting in my PayPal with a permanent restriction without any certain reasons. I must mention that I have a personal account which is why I am literally confused what seems to be the problem. 

I must say that this act has left me astonished as I did not expect to be treated like this. 

I respectfully request the higher department of PayPal to restore my account access back to normal as I havent done anything wrong or to trick PayPal system at any stage. I am open to provide with additional piece of information if required. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dipute with XXXX indicating that ALLY FINANCIAL had incorrectly reported a balance on my XXXX  credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent XXXX Credit report Dispute Result Report # XXXX with ALLY FINANCIAL account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and XXXX and or Ally needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has vilate my rights. 

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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Product: Mortgage

My newly former manager has been contacting customers for loans XXXX and XXXX without a license and has been doing so since as early as XXXX/XXXX/2016 when he took over as branch manager. There are XXXX mortgage originators licensed XXXX in that office and XXXX in PA but not the branch manager. He has violated XXXX rules since he arrived 7 months ago.
Product: Checking or savings account

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  Was notified they charge a {$10.00} fee to close CD. This fee not disclosed or agreed to in original CD agreement XX/XX/XXXX - XX/XX/XXXX - tried to argue fee w/ multiple phone calls and emails to Axos `` secure messaging center ''. Finally agreed to fee realizing it's only way to get my money back. 
XX/XX/XXXX - XXXX sent redemption check to invalid address ; not forwarded to me. Check returned to them XXXX - Multiple attempts to get matured CD - sent Declaration of Lost Check to Axos. Bank confirmed they received check back - '' undeliverable ''. So they had their check back and still had my money. Sent Wiring Instructions ( initially XXXX XXXX, XXXX, repeatedly. ) Finally sent registered letters to Axos CEO ( XXXX XXXX XXXX and to Axos Director of Operations ( XXXX XXXX ) ; also to XXXX XXXX. 
XX/XX/XXXX - Axos rep called me, offered to wire funds ; funds received the same day, minus penalty for early cash-in of CD ( which I didn't want renewed ).
Product: Mortgage

On XX/XX/2021, I started a refinance application to refi my primary residence mortgage ( Already a Chase loan ). Over the subsequent months, I was told that I could get a better rate. 
On XX/XX/2021, I received a Closing Disclosure stating that the rate would be 2.875 % and cost {$5600.00}. 
Then, on XX/XX/XXXX, I received another Closing Disclosure stating that the new rate was 2.625 % and cost {$18000.00}. 

I texted my mortgage agent XXXX XXXX and thank him for looking after me, but I was concerned about the higher costs. He later called back and said that someone in the back office had made a mistake and reclassified by building from a multiunit to a single-family home and that he would get back to me. I was a bit confused about this error because my loan was already with Chase. After a few days, he said that he could not honor the 2625 % rate because of the error. I told him that I did not cause the issue and that I would hope to honor the rate and provide me with better costs. Then, his manager XXXX joined a call and told me that they could not honor that rate. 

We went back-and-forth for around two weeks, and after finally being so frustrated with wasting my time, I told them to give me a final rate and costs. And on XX/XX/2021, they finally sent me a new Closing Disclosure rate of 2.75 % and costs totaling {$25000.00} in fees. I was floored that for over three months trying to reduce my payments by {$250.00}, they returned and wanted to charge me over {$25000.00} to do this. Not only did they wasted over three months of my time, but they also were trying to give me a predatory loan. I'm afraid that's not right.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX  stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.
Product: Credit card or prepaid card

I applied for a Paypal Mastercard on JXX/XX/2022. The website requested that I unfreeze my credit report, which I did with XXXX. Then it asked me to unfreeze my credit report with XXXX, which I did. Then the website locked me out. Subsequently I received notice that my application had been denied due to a credit freeze. However, when I checked with XXXX I found that Synchrony bank had accessed my credit report with XXXX and did a hard pull which decreased my credit score. Synchrony claims they did not, and XXXX said they did. XXXX then sent Synchrony an inquiry on this matter on XX/XX/2022 and they have not replied. I need to have the hard pull removed from my credit report, or the credit card be issued. I am attaching a screenshot from my credit report from XXXX showing the hard pull and also the three letters of decline from Synchrony stating I was declined because they could not access my credit report, when in fact according to XXXX, they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I opened a credit card account with XXXX XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to CITI and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with CITI and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Product: Credit reporting or other personal consumer reports

My home loan was sold to Truist. I had been paying every 2 weeks when I was with XXXX. In XXXX I was informed by my bank that Truist had sent my payment back. I called Truist to ask why. I was told there had been a glitch and that I would not be charged a late fee nor reported. I made payment. I started receiving info from credit cards that my credit had now been rescinded due to late property payment. I called Truist, was told they do not honor bi weekly payment I had with XXXX XXXX. I asked why I was not informed and was not given an answer. I was asked if I wanted to file a complaint for correction. I said yes. I was told it would " probably '' be denied. I received a letter denying my request. I have the letter from the bank saying they sent back payment. In addition, since I pay bi weekly there should have been money in the holding account that could have been applied. Truist has now sent me paperwork for people who can no longer make house payments despite the fact my payments are up to date. PLEASE stop them from harassing a hard working single mother.
Product: Mortgage

Good morning, On XX/XX/XXXX I actually paid off my mortgage that was held by Shellpoint Mortgage Service and they have not sent me Release of Security Deed. I have called the company and sent letter concerning the issue. They did receive the money and stated that in error it was allocated incorrectly, and will correct it still have not been done and they are billing me as though the loan was never paid off. 
Had my attorney sent them official letter XX/XX/XXXX and still no satisfaction. 
I did receive a letter from Shellpoint Mortgage about loan mortification and my loan being in default.. They have receive my pay off money and now refuse to release my Security Deed and file it in the county record. 
Please help me...
Product: Checking or savings account

On or around XX/XX/XXXX cash app/XXXX XXXX locked me out of my checking /operating account, the initial reason they gave me for doing this was they were unable to verify my identity. After spending an entire day performing numerous steps their customer service Team gave ie, setting up & verifying a new banking account, uploading selfies along with my drivers license to their " square website '' sending banking statements from another banking institution " XXXX XXXXXXXX '' submitting banking transactions from the transfers out of their bank & into my other banking account. I performed numerous of identification steps to no satisfaction of there's. Finally on XX/XX/XXXX when I have had enough of the non sense they were doing I requested closure of the account all of sudden they were no able to access the account & give me permission to make decisions on the account where previously I wasn't allowed any decisions or information about my account in question. After successfully closing the account I inquired if they were going to mail out my account balance to the address on file ( my home address ) the bank representatives I requested this information from all said on a recorded phone & in writing that were refusing to issue the account balance refund to me & that they were not obligated to disclose any additional information to me. They also indicated that they were not liable for refunding me any of my money. I spent an entire day ( see attached documents ) with a supervisor named XXXX giving her a multitude of information identity documents and over being as transparent and compliant as possible to fix the issue at hand. XXXXXXXX XXXX is still refusing to refund my money from the account balance & double down on their position of not being liable to disclose any funds to me. I was shocked at the overall position of this business being I supplied so many documents to authenticate my account, even electronically XXXX a separate bank account to their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 a. States that I have the right to privacy.

15 U.S.C 1681 section 604 a. section 2 also states that consumer reporting agencies can not furnish a account without my written instructions.
Product: Mortgage

I somehow missed XXXX mortgage payment in year XXXX or XXXX ** approximate amount {$2100.00}. since the mortgage company put the wrong bank account number sent to my bank because the payment didnt clear ; i did not get any insufficient check fees from my bank and since the Mortgage Company ( mr Cooper XXXX didnt contact me because of my active bankruptcy status * No one alerted me to that missing payment ** I have contacted the Mortgage company multiple times disputing what they are reporting that i am behind by {$7000.00}. ** and they are adding late fees each month {$64.00}, I even requested and filled out a loan modification application about 3 months ago and have not heard any updates except they have all the documents needed from me. 

This bank continues to increase the amount they say falsely is owed * again I owe only 1 month * {$2100.00}. Also a lot of my payments are not being applied they are just holding them, i have even been paying more each month as i was advised by their bank representatives because my escrow had increased, even that additional payment each month is not being applied!!! 
This is a crooked bank, i look for relief as a Veteran ****Thank you
Product: Debt collection

I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
Product: Credit reporting or other personal consumer reports

I am the consumer, in fact, XXXX XXXX. Ability Recovery Services did not have MY written expressed consent to communicate with any third parties for any alleged debt. XXXX did not do its due diligence in its initial investigation before allowing Ability Recovery Services to furnish any information on or about me. Ability Recovery Services has not given me any validation of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$440.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3600.00} XXXX XXXX {$2200.00} XXXX {$650.00}
Product: Debt collection

I had a contract with XXXX. They had to come out five different times to get the satellite right and they still did not get it right. I finally told them to come get their equipment.
Product: Credit card or prepaid card

I opened a Checking account ( # XXXX ) at JP Morgan Chase and got a Credit Card ( # XXXX XXXX XXXX XXXX ) in XXXX XXXX. Just after a few days these were terminated without any motivation. 
I was not, so far, able to find any explanation in the termination letter, at the local branch ( they told me that there were plenty of other banks and I should not have any problem to get a credit card from another institution ) or on the phone. I wrote a letter to the Chase President but  did not get an answer. 
As, if I did something wrong, I obviously need to know why, I would like Chase to let me know the reason of the termination.
Product: Credit reporting

I discovered that there are a total of 9 negative inquiries I have on my credit report. Also, there are late payments shown from my student loan which is false. Lastly, there is a charge-off from a credit card company, which I know is fraud ; and I believe this is due to identity theft. So far I did not receive any follow-up about these false claims and I would like all of this negative information removed from my credit report.
Product: Checking or savings account

I received a notice on XXXX XX/XX/year> from Arvest Bank about an overdraft account setup for a Checking Account. I don't bank with Arvest Bank and never opened an account with them. I contacted Arvest Bank on XXXX XX/XX/year> and requested they close the account and provide any information they could provide. They notified me a checking account was opened on XXXX XX/XX/year>. The representative I talked with stated they will close the account and document it is as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from XXXX, and the other was from Discover. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 is my last correspondence with your company. I wrote to you to inform you about several incorrect and outdated information being reported on my credit file. You did nothing. The incorrect pieces of information are still in my file. There even accounts that Had been removed by other bureaus ( XXXX XXXX and XXXX XXXX ) and you refused to remove. This I think is a violation of the FCRA. Furthermore, I have requested investigation but for some reasons, the incorrect account opened to date, balance 's, inaccurate payment history has not been fixed. I am writing another letter to letter to you. I will be giving you 30 days to fix this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar reported to my credit rule that I was 120 days late from XX/XX/year> until XX/XX/year> i was never hate
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX -ACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAID.XXXXACCOUNT NUMBERXXXXBALANCE-ACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT XXXX XXXX XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAID.DISCOVER BANKACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXX XXXX XXXXXXXX NUMBERXXXXBALANCE $ XXXX OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.