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

I've had a PayPal account since XXXX of 2022. I have always used this account strictly for online gambling. It is legal in my state ( New Jersey ). I keep a detailed log of my transactions- and PayPal was an advised payment and withdrawal method at virtually every single casino I played at. 

It was to my surprise when I woke up to an e-mail last week from PayPal stating my account was limited. I have not committed any act against their terms- they provided no specific reason for the limitation and will not restore the account or let me use their services. 

I feel as though this is an unfair action by PayPal. The casinos do not offer many methods to deposit, and PayPal is to most consistent for making deposits. I have no idea why they would offer their service on sites if they planned to ban or restrict your account for using it. There was no illegal transactions or restricted transactions on the account. This really complicates my online play at these online casinos - to no fault of my own. I am very upset about this result - and I figured the next best step was to report to the CFPB. This is all very baffling and impacts my hobbies and some extra income. 

Please help me restore my account as I did not break any terms or laws at both PayPal and at the state level.
Product: Mortgage

I applied for a refinance through Quicken Loans. I provided all the documents requested by their initial loan originator. They pulled my credit, received my XXXX and last two years XXXX and recent paycheck studs and I met their requirements to complete an application. They asked me to pay {$400.00} up front for the appraisal. I did. They locked me in with an agreed upon interest rate. I went through the entire process and was about to close when they decided that they were not comfortable my current job status as an contract engineer and at that time wanted to see that my contract would not end for another 3 years, even though I was a XXXX employee and provided that information upfront. I want my {$400.00} refunded.
Product: Checking or savings account

Dear Sir, Suntrust caused me the issue and should be accountable related to the {$25.00} monthly fee. It has impacted me. Please pull the call and history to see when the 800 representative closed my money market but did not inform me this would cause a {$25.00} fee from my checking account. I relied on her expertise and she misinformed me. I request a courtesy money market opened to correct this mistake, an ongoing monthly credit or to simply link my checking and my trust account to avoid the {$25.00} fee which could have been avoided. Thank you so much for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

I purchased a latte for {$8.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I've been in contact with their accounting department at : XXXX A service charge of {$810.00} was added to the coffee so that the purchase price was exactly {$820.00}. I've asked XXXX to credit the service charge as it was an obvious error, or worse, potentially fraudulent. I also submitted a dispute with American Express but they have sided with the hotel after a receipt for {$820.00} was provided. I expected American Express to assist me in questioning the service charge for {$810.00} but they have not been helpful. 

I'd appreciate your assistance. Thank you in advance!
Product: Debt collection

To Whom It May Concern : I am writing due to the negative marks made on my credit file. I would be willing to accept this debt if it were mine, upon Validation and Proof of Claim. In compliance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation to pay it. I request that you stop contacting me by telephone and restrict contact with me to writing only and only when you can provide adequate validation of this alleged debt. To review what constitutes legal validation, the following is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount I owe obtained directly from the Original Creditor Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt Proof that this debt has not been written off as a tax liability Any other intimate knowledge of the creation of the debt by you, the collection agency Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. Please also note that this is not a request for partial validation, but rather a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX Balance : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several disputes to all three consumer reporting companies, XXXX, Experian, and XXXX  for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.
Product: Money transfer, virtual currency, or money service

Initiated an international wire transfer on XXXX XX/XX/XXXX to XXXX ( XXXX Bank ) for {$8000.00} from PNC bank with an intermediary bank of XXXX XXXX. However, the money was not able to go through till XXXX XX/XX/XXXX with no update on the status. On that day, I ordered the funds to be recalled into my account, but I have still not received my money back as of XXXX XXXX and the customer care support team of PNC keeps giving me unclear responses and vague answers. 
In between all of this, when I called PNC they notified me that my funds were present at the XXXX XXXXXXXX XXXX for some time. I am still not clear of what happened and what went wrong.
Product: Prepaid card

To whom it may concern, Please be advised that I am a resident of Illinois and a government funds recipient. Today at XXXX my link card was fraudulent hacked via a transaction made at Bank of America XXXX XXXX in XXXX XXXX Florida at XXXX. Phone number XXXX. In addition to me never visiting that state my physical card was in my possession. I filed a report with XXXX police department report number XXXX and reached out to this specific institution and was no able to speak to them live. According to FDIC regulations these funds are insured and because Im experiencing hardship that prevents me to pay rent Im reaching out in desperation. Can someone please contact me with instructions on how to redeem my funds fraudulently taken by Bank of America. 

Also, during the exact time my cash benefits were taken in Florida. Additional transactions were made at XXXX XXXX  at XXXX XXXX for {$480.00} located at XXXX XXXX XXXX XXXX and {$270.00} at XXXX XXXX  at XXXX XXXX XXXX XXXX both in my residing city of XXXX XXXX  Best regards, XXXX XXXX XXXX
Product: Credit card

The company refuses to respond and continues to actuate abuses that can be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on about 10numbers to get a security freeze placed on my credit file. The automated robot will not allow me to get through after asking me 4 questions. I tried the online option and it would not process the credit freeze. It gave me another phone number to call ; same robot, no sucess. Their system is broken. I had no problem with the other 2 bureaus. I know that my credit has been breached and the sooner I can get this freeze on the better. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to XXXX and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was in the process of filing financial assistance with a hospital and was told that while I was applying for assistance the debt would be put on hold. Soon after I received notification that they sent the debt to overton russel and doer. I called and explained the situation, and both institutions told me that it was too late to fix once the debt was sent to collections. I then had to apply for a loan to pay the debt and it has been paid in full for the past 2 years. This debt should not be reflected on my credit report and should have never been sent to collections in the first place. Overton russell and doer has since told me that they will not remove it from my account until it falls off in 7 years.
Product: Credit reporting or other personal consumer reports

I am sending this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}
Product: Debt collection

This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.
Product: Credit reporting or other personal consumer reports

In accordance with the " FCRA '' ( XXXX XXXX XXXX XXXX ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 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 or other personal consumer reports

These accounts were charged off on the following date XX/XX/XXXX but shows it was XX/XX/XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$79.00} on both accounts when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with TRANSUNION but closed with XXXX. All the information on this account which is inaccurate and a violation According to Cushman v Transunion XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX TRANSUNION Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt or credit management

I entered into a contract with RoadRunner Financial on XX/XX/year>2024 in the amount of {$13000.00}. I tendered the negotiable instrument I gave them to open the account and they received it certified mail on XX/XX/year>2024. Along with that I sent them my power of attorney and a remittance to apply to the account. Which they wrongfully and unlawfully denied. The contract explicitly defines what a security interest is pursuant to the contract and what it is intended to be used for. You can find it under Terms and Conditions subsection Security Interest it says verbatim The security interest secures payment of all amounts you owe in this Contract and performance of your other agreements in this Contract.. I reached out through mail and email sent notices to claim interest and gave opportunity to cure. This is my final notice the default judge notice being sent through the CFPB. Utilize the security interest for what its there for under the contract. I called account services spoke with managers and they reached out to legal team members because they can not discuss the contract or they dont have capacity to discuss it. Either way I tried to communicate in multiple different ways and forms and the account is still reflecting thats its due when I already accepted bill and sent it back with instructions to transfer it to the principals account. Through remittance. I would like to believe this person isnt practicing deceptive business practices and or acts. I spoke with legal team members via email and had little to no response and certainly no solution to this problem. I emailed the XXXX XXXX  XXXX of the company and no response. 

The company has not fulfilled their contractual duties, commitments, and obligations. The ignoring my emails and concerns I expressed are making things seem very deceptive and makes me think something fraudulent is going on with my security interest if the breach of contract continues. 

I will have attached below : notices that were sent, response from a legal team member denying me my rights under this contract ( I never requested to alter or change the contract in any form. I am instructing you to use the security interest to cover all debts owed in the contract as it stated thats what its there for ), and the contract with the portion I am referring to highlighted so its easier to find, I will attach a response letter I sent to the legal department as well that clarifies to them that I am not trying to amend the contract I am trying to utilize my rights under it. 

The contract is with RoadRunner Financial.
Product: Debt collection

I called to ask why the wrong amount was reported to my credit and why no one had reached out to me to try and resolve the debt or set up a payment plan. I was immediately attacked on the phone, over talked, not listened to. Then the front desk lady tried to hang up on me. These people have ruined my credit and then she was beyond rude to me. I want to sue! However, to try and keep tensions down I will try to resolve that ridiculously rude behavior here first.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Re : Dispute of Inaccurate Information [ XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX ] Dear Sir or Madam, I am writing to formally dispute inaccurate information reported on my credit file. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I request that you investigate the following accounts and either verify all information for accuracy or remove the erroneous details from my credit report entirely. 
The accounts in question are as follows : XXXX XXXX Services Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX I believe that the information currently reported is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that any information reported on my credit report is accurate and complete. As the information on these accounts is inaccurate, I request that you take the necessary steps to update it to reflect accurate data or, if verification can not be completed, remove the accounts from my credit report.

Should you fail to fulfill this request within the legally mandated 30-45 days, I will pursue legal action to collect damages of {$1000.00} per inaccurate item as outlined by the FCRA. 
Please send me written confirmation once this issue has been resolved, and please provide me with the results of your investigation.

Thank you for your prompt attention to this matter. I look forward to your resolution within the next 30-45 days. 
Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding LLC is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the account ( # XXXX ) was unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Midland Funding LLC did not report the deletion of the account to XXXX or XXXX, the other consumer reporting agencies that it reported the account to. Midland continues to update the account with negative information on XXXX and XXXX inspite of XXXX XXXX 's notification of deletion. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected : Original Creditor : 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

XXXX XXXX, XXXX XXXX, date of birth XXXX This CFPB complaint has Been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

IM TRYING TO OBTAIN A LOAN MODIFICATION WITH SLS. 

UNDER THE CARES ACT XXXX AND RESPA, REGULATIONS ACT OF XXXX  XXXX  AND XXXX  THERE ARE SEVERAL VIOLTIONS I FEEL HAVE BEEN MADE AGAINST ME. I WAS NOT TOLD I HAD A SECOND MORTGAGE I RECIEVED NOTHING FROM XXXX TO XXXX. 
WITH GETTING SICK WITH XXXX  AND MY WIFES LAYOFF, OUR SITUATION IS EVEN WORSE. I FEEL SLS SHOULD PROVIDE A LOAN MODIFICATION UP TO 40 YEARS AMORTIZED AND DEFERMENT WHERE I AM ABLE TO PAY IN A TIMELY MATTER.