23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, XXXX XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that has been placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation was placed in error, and I respectfully request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to state that I have not violated any PayPal policy. I have always adhered to the terms and conditions set forth by PayPal, and I have never engaged in any activity that is prohibited by PayPal policies. Therefore, I am perplexed by the limitation placed on my account and would appreciate a detailed explanation of the reason for this decision. 

Secondly, I would like to emphasize that my PayPal account is crucial to my personal and business transactions, and the limitation has caused me significant inconvenience and financial loss. I urge PayPal to understand the gravity of the situation and take immediate steps to rectify the issue. 

Thirdly, I am confident that a mistake has occurred, and I request that PayPal re-investigate my case. I am willing to provide any necessary information or documentation to support my case and prove my innocence. I respectfully ask that PayPal 's investigation be thorough and impartial, and that any decision made be based solely on factual evidence. 

In conclusion, I want to reiterate my request to have my account limitation lifted, and I look forward to a prompt response from PayPal. I hope that this issue can be resolved quickly and amicably, without the need for legal action. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Product: Vehicle loan or lease

I got a loan on the vehicle in XXXX right before the coronavirus pandemic. Everything was in line until the XXXX XXXX cause my job to cut hours and then not being eligible for any XXXX relief checks I fell extremely behind due to me XXXX  XXXX as well during this time which caused me to be outta work for a month. And I struggled continuously to catch back up and still kept falling behind. I explained this to us auto sales and I have drained all my back payments they can offer. Then currently in XXXX I XXXX XXXXXXXX again within the time of me starting a new job and I explained this to us auto sales and they told me to either pay what I owe or there coming to reposes the vehicle. I just need them to be patient with me and there not understanding my circumstances. Please could you help me in this matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the derogatory rating on my account. This negative mark has already had significant consequences, including the rejection of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional strain this has caused me is substantial and ongoing. 

The impact of this negative rating on my credit profile is severe and far-reaching. It is critically hampering my financial opportunities and causing undue stress in my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Some info is displayed more than once, same accounts appear after resolution.
Product: Credit card

A Chase Amazon credit card was opened under my name. When I contacted Chase about this they closed the account and said they were going to send me a brochure about fraud. I took the steps to place a flag on my SS number and filed a dispute with the XXXX major creditors. I sent a follow up letter to Chase requesting copies of all business records related to the account. After 30 days passed, i received a letter from Chase stating the account was deemed fraudulent and they were working with the creditors to get this removed from my credit report. When I called to ask about the letter I sent requesting business records related to this account it was apparently sent to the wrong department and it would be directed to the correct department. I would also like to add that the fraud investigator told me that she is unable to provide any information regarding the investigation and that my sheriff 's office needed to contact them to get the info. My sheriff 's did a police report, but since the account was opened online there would be no investigation from them. 2 weeks later I received a letter from chase with the info that was used to open this account. The phone number, income, email address ( invalid email address I may add ) and mother 's maiden name were all incorrect. I already have a Chase freedom card, so would n't the fraudulent application be flagged since the majority of info was wrong? I requested actual copies of documents, not info typed in a letter and I feel there is more information related to this account that they are not sending me.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed I have a BEST BUY account on my credit report that doesnt belong to me and I never lived at the address listed. A charge off is considered income from the IRS which means I should of received 1099-C and according to 15 USC 1681 2a ( I ) no transactions or experiences is allowed to be on credit consumer report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX Case Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Student loan

In applying for an income driven repayment plan only a small number of my loans were put on the SAVE plan. I was not informed that my other loans were not included on the income driven payment plan. When I got a surprise bill and called to inquire, I was told some of my loans were not included because they were in a grace period when I applied for this income driven repayment plan. I was told I had to apply with LESS THAN 30 days remaining in my grace period for these loans to be considered for the income driven repayment plan. This is contrary to what studentaid.gov states. Student aid.gov states borrowers should apply at least two months in advance of their grace period ending to allow processing of their application. Studentaid.gov also states if the borrower applies too early, the student loan servicer must inform the borrower that they need to approve reapply closer to the end of the grace period. MOHELA did not do this. 
To rectify this MOHELA had to submit a new application for these outstanding loans, and in the meantime, will put my account on forbearance. This will not prevent interest from accruing, and had the loans been placed on the income driven repayment plan under the save plan I would have zero payment, and the outstanding interest would be covered per the SAVE plan policy.
Product: Debt collection

Multiple collection calls via phone, email, text. Multiple times throughout the day.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$10000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized XXXX  for XXXX offense, which is tantamount to Double Jeopardy in criminal law.
Product: Debt collection

On XX/XX/2023 and XX/XX/2023, I submitted dispute letters and reported disputes to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$610.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received a satisfactory response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus. 

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I had my phone stolen from me at my gym. My online banking had no passwords and went into my account and started depositing monry from a another account that i dont know at all. I called fraud to get help and they keep denying my claim. This been going on for XXXX months now and they just keep declining and having at a negative balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to XXXX and Equifax that the account was paid and closed. I filed a complaint with XXXX and Equifax. XXXX still shows that I have a balance, which is incorrect. I called XXXX and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY COMPLAINT.
Product: Mortgage

On XX/XX/2021 I signed a loan modification agreement with Citizens One XXXX XXXX. I was originally told that I had 3 trail payments which were XXXX XXXX, XXXX XXXX and XXXX XXXX which were all paid. I was informed after that my loan modification would start XX/XX/2021. I started making my payments XX/XX/XXXX as requested and I continued to receive mortgage statements stating that my payments were past due. I called and I was informed that I owed a payment in XXXX. I informed the mortgage company of the previous agreement and every time I called the representative would pull up the notes and say ok I reviewed the notes and you don't owe a payment for XXXX. The company told me it would take a couple of months for their system to reflect the updated modification. I would have to call monthly and I was told the same information every time I called which is I was current on my payments. In the month of XXXX their system was finally updated and it showed I was a month behind. The new updates also displayed loan terms that were different from the modification we agreed on which is a loan of {$100000.00} for 30 years ( which payments from XXXX and so on should be applied ) and a second loan of {$40000.00} which is a HUD loan. I believe my payments have been misapplied. I requested detailed info on how the company arrived at the loan amount and how the payments have been applied before and after the modification with no response. I also believe the company is attempting to make me pay extra money when it's not warranted. Please investigate.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Items reporting inaccurately. 
XXXX XXXX account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed 7 XXXX XXXX exceed 7
Product: Credit reporting or other personal consumer reports

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically TransUnion and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Product: Credit reporting or other personal consumer reports

Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXXXXXX XXXX ( Account Number # Unknown ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX CC : Department of Justice CC : Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/2021 ;
Product: Bank account or service

Kindly Please help me about my problem with the promise promotion of Citibank. with Citibank Case Number XXXX and XXXX. Account Number ending XXXX.I have waited more than 5 months, all terms & conditions were met, called and emailed more than 10X but nothing happen still I do n't have the bonus interest that promise in the promotion, I asked the customer representative about the bonus they do n't know when and still on the case or investigation and raise another the case. 
PLEASE See the promotion Below. 
How To Earn Citibank {$400.00} Bonus : Fund a new or existing Citibank ( R ) Savings Plus Account with a minimum of {$25000.00} new-to-bank funds between XX/XX/XXXX to XX/XX/XXXX If you fund your account with $ XXXX, then you can earn the maximum {$400.00} bonus. 
Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 10X the interest on your savings for this bonus period. 
The cash bonus will be credited to your Citibank Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. 

Thanks you for the help. 

Please see the attach papers below. and the last email below. 

( Citibank email reply last XX/XX/XXXX ) Customer Service Message Dear XXXX, Customer Service Message Dear XXXX, In response to your Citibank Service request XXXX, please see the attached correspondence regarding your case., please contact Citibank at XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/2022
Product: Mortgage

Back in XXXX, I contacted a law firm to represent me in talking with my mortgage company in hopes of getting a better mortgage rate. The law firm was unsuccessful in dealing with the mortgage lender, and I paid them nothing. As a result of the law firm contacting the mortgage lender, the mortgage lender Ocwen without my consent, without my knowledge, and without my approval decided to defer {$85000.00} of my mortgage until the year XXXX. This action resulted in me paying on a {$10000.00} loan at an adjustable rate which caps of 4.12500 %. I never asked for any of this to happen, and because all of this happened without my consent I feel violated. I was still making my payments on time before this change in my mortgage. This was not how my mortgage was set up initially. Before the law firm contacted Ocwen, I had been paying on the whole amount which was {$180000.00} at an adjustable rate. After Ocwen 's change to my mortgage I looked over my statements it became apparent that I am to pay off the {$100000.00} portion of my loan in addition to an {$85000.00} lump sum in XXXX. This will be insurmountable for me. I did not ask my for loan to be broken up in this way, and insist that the original loan agreement that I signed for in XXXX be restored with a permanent fixed rate. Ocwen made this decision and then switched me to their subsidiary PHH Mortgage. Again, I want my loan restored to the original agreement which was inked in XXXX. I had never missed a payment nor was I ever late. I do not believe that my credit rating was so bad that they could do nothing better for me. But I add the caveat that Ocwen forgive me from the {$85000.00} deferment and restore me to a permanent fixed rate for the duration of the {$100000.00} loan.