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

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Arbor Professional Solutions of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, has listed a {$530.00} charge of debt to my XXXX XXXX Credit Report. Not once did Arbor Professional try and reach me to give me a change to dispute the debt owed. 

The {$530.00} charge stems from the Fire Department of the City of XXXX, Indiana. I am disputing the debt of {$530.00} for the following reasons : This debt occurred from when at the time a minor age XXXX at the time and not my biological nor adopted child was provided a ride in an ambulance with the permission of her biological mother and only legal guardian. 

The XXXX Fire Department requested health insurance billing information on a couple of occasions and the health insurance information was provided to the XXXX Fire Department each time. 

Not once did the Fire department or any of their representatives ever reach out stating they were unable to process the medical insurance information provided to them. 

In summary, I not only do I dispute the debt owed but I also am filing a formal complaint against Arbor Professionals for never giving me a change to dispute the charge of Debt before they submitted the debt to XXXX XXXX Credit Bureau. Arbor 's Phone Number is XXXX
Product: Credit reporting or other personal consumer reports

I am in need of assistance for a XXXX dispute letter for civil liability and negligence non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused excruciating pain, mental anguish, severe XXXX upon me when, I found Questionable Items that your agency Experian is reporting. Ive sent out multiple letters to Experian to no avail Experian has failed to respond to my request. Iam writing to file a complaint with the Consumer Financial Protection Bureau regarding an extended fraud alert that remains on my credit report despite multiple attempts to correct the information damaging my credit report and making it difficult for me to obtain Credit or Loans.. Ive sent multiple letters to Experian requesting the immediate removal and provide me with documentation a free copy of my Experian Credit Report so that I can assess that it has been removed immediately.
Product: Debt collection

I was contacted by a debt collector, The CBE Group Inc, hired by XXXX XXXX ( XXXX ) about an outstanding debt in my name. The outstanding debt currently listed on XXXX XXXX as being owed to this collector is {$650.00}. I had no account with XXXX  at the time the debt was incurred, and I have emails confirming the cancellation of the only account I ever had with them years before this fraudulent account was opened. When I was contacted by the collector, we quickly determined that someone had opened an account with my name and birth date at an address I have never resided at, in a city I have never resided in. The representative said that they placed a fraud alert on the account, and gently recommended with minimal urgency, but did not insist, that I call XXXX XXXX customer service department and report the fraud. I did not contact XXXX. 

The CBE Group Inc. has since moved forward with direct action against me by reporting this debt to the credit agencies and placing a derogatory mark on my credit history, resulting in egregious deductions of XXXX points from my credit scores. 

I feel that this warrants a complaint to the CFPB due to the fact that The CBE Group Inc. has access to all of the relevant information that would enable them to determine beyond a shadow of a doubt that this debt does not belong to me, as well as the fact that their representative and I had already come to the conclusion together that this is a fraudulent account. I believe that this action against me is in violation of the Fair Debt Collection Practices Act since I disputed the debt directly to the collector, the dispute was acknowledged, and not only was I pursued further, but I have had extremely damaging action taken against me by this agency. I argue that this is, at the very least, a blatant failure to investigate. 

Since notice of the derogatory mark, I have since filed a formal dispute through XXXX and am awaiting their evaluation. 

I will not be attaching any documentation. If these companies do not have the documentation necessary to dispute what I claim, then they lack the documentation necessary to have taken these actions against me in the first place.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across some fraudulent activity. 

Accounts : XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$1700.00}
Product: Mortgage

Our loan was service released from XXXX to Select Portfolio Services ( SPS ) as of XXXX/XXXX/2015. When we received our initial statement from SPS, we noticed that the loan was setup incorrectly. We contacted SPS on XXXX/XXXX/2015 and advised them of the error. We generated and sent out a certified letter to SPS with the previous statement as to how the loan should be setup. On XXXX/XXXX/2015, we spoke to SPS and stated to them again the loan is still setup incorrectly. On XXXX/XXXX/2015 SPS called stating dispute being reviewed. On XXXX/XXXX/2015 SPS called again stating loan was setup correctly. We advised SPS that this is incorrect and to re-review the actual mortgage statements provided. On XXXX/XXXX/2015, we sent another certified letter to SPS in regards to the loan being setup incorrectly. We requested a payoff statement and payment history on XXXX/XXXX/2015 from SPS. We received the payoff statement and again it reflects the incorrect information. The only responses we have received from SPS is that they are in receipt of correspondence. Nothing in writing to our complaint or request of documentation. We are requesting assistance before we file a lawsuit against SPS in regards to our loan being setup incorrectly.
Product: Student loan

I have called fedloan to use my spouses student loans to lower my payment to XXXX  for the IDR I am currently in. I feel The amount that is given for a repayment plan should be XXXX. I am not sure what they used to recalculate my payment plan. My family is bigger and my from last years and my pay is almost the same. Everything is suppose to be considered in this. I want and explanation on what they used to calculate my repayment plan with the details and calculations. I had this same problem last year I had to call them to lower it to XXXX, but I am not sure why this is not happening now. I dont really like fed loan they are a very difficult company to rationalize with and they had an issue with reading paycheck stubs. This is very upsetting and annoying. I need documentation and supporting details on what is used with the calculations and how they came about the calculations. Also I never applied for deferments or forbearance I just did recertifications for my IDR. But here is what was said to be used to calculate my amount. Document provided. If anything is needed please dont hesitate to let me know.
Product: Student loan

I am a XXXX veteran who was seeking loan forgiveness due to a service connected XXXX. I was instead directed into a loan consolidation. I am unable to make loan payments based on my lack of sufficient income due to my service connected XXXX. Also, I never had any loans while attending the school that is listed on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand things sit on your report after a file A XXXX I have complained about couple years still sitting on my report its unfair for my score to be low after this fact. I barely use my credit. I even sent in personal information to prove this problem. Its not fair if u fix a problem things still sit on your report still
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, A certified letter was mailed to TransUnion Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that TransUnion used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. TransUnion was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with TransUnion even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the 3 public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. TransUnion refuses to delete all 3 Public Records even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my TransUnion Credit Report. Final step will be to contact Georgia Attorney General Office.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & 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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

The attached information was sent to XXXX. I sent them all my identification and they claim they can't find my account which is a lie. They also sent the following information to my mailbox after receiving ALL the REQUESTED identification information. 
Please make them delete the information requested due to the creditors not providing a contract of debt obligation with my signature within the 30-day time period per federal law it must be deleted. I sent these letters to XXXX and Experian. They need to follow the law and delete the items immediately!!!! This is their last chance to do right or I WILL FILE A FEDERAL LAWSUIT AGAINST THEM FOR VIOLATING MY CONSUMER RIGHTS. 
THE CFPB NEEDS TO MAKE BOTH OF THESE CREDIT REPORTING ADENCIES REMOVE THE ITEMS IMMEDIATELY. PER FEDERAL LAW THEIR TIME IS UP
Product: Money transfer, virtual currency, or money service

I created a Venmo account back in XXXX. I only used it once to send {$10.00} to my girlfriend. There is no other activity on that account from me. On XX/XX/XXXX I transferred {$20.00} - transfer fee to my linked Venmo account. When I tried to use the money it was declined. I called Venmo support to figure out the issue. I was informed my account had been frozen for almost a month prior. I had no idea because again this acc for me is only a back up. So I sent my ID and pay stub as requested. I was assured it will only take a few days. Now I have been told it will take 180 days after I sent another transfer of {$100.00} to my venmo acc. Now I get an email saying I violated the the terms and my account is permanently deactivated with no way to get my money that I transferred only because the reps I spoke to said it will all be resolved in days. So now Im out of all my money. Lost my job because I couldnt buy gas with money that was supposed to be available to me. I am totally XXXX with Venmo for upending my life like this.
Product: Checking or savings account

Iwant my money for all the times wells Fargo charged me and for overdraft fees I want a few refund
Product: Credit card

In regards to account XXXX ; through the CFPB complaint process, I received an email from a " XXXX '', supposedly with the One Main Executive office in XXXX, IN. Email dated XX/XX/year> stated to call with any concerns. The n umber provided was : I left a total of XXXX voicemails for this " XXXX '' at XXXX, option XXXX, extn XXXX. The voicemails were left over a 14 day period starting on XX/XX/year>. The third time I tried to call this extension, a rude female answered the line. I explained who I was tring to contact and her reponse was, don't deal with customers '' Then hung up on me. She had a flippant tone and did not give me a chance to talk before hanging up on me. Through investigation, I was able to identify the female as being XXXX XXXX, a XXXX XXXX with One Main in XXXX, IN. Her number is XXXX, option XXXX, then extension XXXX. I inadvertently dialed her extension when I was trying to dial the other extension. I never received any callback from " XXXX '' as a result of leaving my voicemails. This horrible service is in line with outsourced call center mayhem and sub-prime lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Fifth Third Bank NA, contacted me by phone and told me that I had reached the point in my loan to have the PMI dropped from my loan. They told me all I had to do was provide a written statement requesting the removal. I provided that within the hour, and have received two notices from Fifth Third since ( one dated XX/XX/XXXX and the other XX/XX/XXXX ), that state " The owner of your mortgage loan, XXXXXXXX XXXX XXXX XXXX has determined that it can not cancel your PMI at this time using the information it has. '' They aren't going off the original assed value of my home and are telling me I have to pay {$500.00} for a new assed value before they can make that determination. I have gone to the local branch in XXXX XXXX and met with their Mortgage Loan Originator and have continued to be in contact with him since. He has stated that he can see on my account that I am at the point on my mortgage loan that the PMI can be dropped. Fifth Third is refusing to drop the PMI as they are legally responsible and required to do. Instead they are refusing to drop it, taking more of my money and trying to force a {$500.00} new assessment of my home on to me. I had also provided the tax documentation from my county that shows the taxable value of my home to show that the value has increased not decreased. I want my PMI removed from my loan and the reimbursement of the PMI I have paid since XX/XX/XXXX which is the date Fifth Third Bank contacted me first and told me it could be dropped due to where I was at with the XXXX ratio of my home loan.
Product: Credit card or prepaid card

Wells Fargo increased my balance without letting me know and allowed me to use my credit card over my limit amount to charge me more fees and interest. 

Even though I am paying on time I am getting charge a monthly XXXX fee of {$40.00} because my card is over my limit even though they raised my limit. I have also been charged a ridiculous amount of interest due to my card being over limit even though they allowed a charge to be process that was over my card limit.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/19 Balance : {$140.00} 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.
Product: Debt collection

Credence Resource Management XXXX  account : # XXXX now listed under XXXX XX/XX/2023 To Whom It May Concern, I sent the first debt validation letter to Credence Resource Management on XX/XX/2023. I waited more than 30 days before sending a second debt validation letter. This letter was sent on XX/XX/2023. Credence Resource Management did not respond to either debt validation letter sent. On XX/XX/2023, I received a Fraud Packet along with a letter dated XX/XX/2023 from Credence Resources Management. The last correspondence I received was dated XX/XX/2023, which was a letter stating We received your dispute on the above XXXX  account. We have investigated your dispute and verified that the charges on your account are valid. This is a stall tactic and again, Credence Resource Management has failed to provide the debt validation required by Federal law, under the Consumer Protection Act. To date, XX/XX/2023 has not completed my initial request for debt validation which was sent on XX/XX/2023 ; therefore, the debt must be removed from my credit file immediately. Credence Resource Management has had over 90 days to complete the required debt validation letter which they have not. 

Finally, I am not a lawyer, but Im pretty sure this is a direct violation under the Consumer Protection Act. XXXX XXXX, XXXX, and Credence Resource Management were all attempting to collect on the same account. Not one of the companies above have completed the debt validation required by Federal Law, under the Consumer Protection Act. Therefore, every collection agency listed Credence Resource Management, XXXX, and XXXX XXXX must be removed from my credit file immediately. I have enclosed all of the correspondence I sent and received from all the companies listed above. XXXX XXXX also is using this same stall tactic and requesting I complete a fraud packet. As I have stated to XXXX XXXX, I am not completing any additional information as I do not have a contract with XXXX XXXX XXXX, nor Credence Resource Management. Again, none of the companies listed above, as of today, XX/XX/2023, have not provided the required by Federal law ; the debt validation letter I sent them each on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Experian failed to do a full investigation on XXXX XXXX XXXX  and the collection is not mine. The address to the collection is XXXX XXXX XXXX XXXX XXXX XXXX I have never lived there and the name isnt my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX- balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.
Product: Debt collection

My name is XXXX XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
( SUNRISE CREDIT SERVICE ) is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.

1692 ( G ) Section 809 ( B ). 
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( SUNRISE CREDIT SERVICE ).

Please be advised that providing a memorandum or other statement from your agency, stating that ( SUNRISE CREDIT SERVICE ) the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.