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

Hello, I became aware that there was some problem with my PayPal account the first of XX/XX/2020. I received the following alert, " Theres a problem with your account. Be sure to resolve it to restore full account access. '' I then received the following notation to my account, " You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I attempted to phone their customer service with no success. I then messaged then the following request, " Hello Again, I have attempted to contact you by phone and message and have received no response. You have limited my account and you have not provided me with any reason why you have taken this action. I have done nothing to warrant this action and have been a customer for 17 years and have had no issues. I will pursue additional action through XXXX and FTC and Homeland Security as well as any financial institutions listed in my account to further  investigate your company practices as there appears to be some breach of your system and my continued account in good standing. I am requesting your reasons in writing for this action as I have no clue why my account is restricted or why you have denied me access. XXXX XXXX '' I continued to look for a response or correspondence and have yet to receive any justification for their action. Further, I can't use and of their services and they have and continue to lock me out of deleting my bank and credit card information. 
I have no idea what prompted their action as I have been a responsible customer for many years. 
As I have tried to investigate and research to obtain an explanation I have discovered that this arbitrary action by PayPal has happened to many people and has been problematic for retailers on XXXX. 
I appreciate any help you can provide to assist me. 
Thank you, XXXX XXXX ( PayPal Acct. I.D . XXXX )
Product: Credit reporting

I disputed a tax lien thats incorrect on XXXX/XXXX/2015 via certified mail on XXXX/XXXX/2015 I received a response from the credit bureau that they previously verified and will not investigate it. I disputed this in XXXX of 2015 to get the info correct and they said they verified, I asked for method used to verify with no reponse
Product: Mortgage

On XXXX XXXX of XXXX I took out a mortgage on XXXX XXXX XXXX # XXXX, XXXX IL XXXX through Guaranteed Rate , Inc ( " GR '' ), account number XXXX. GR filed a lien on the XXXX XXXX property register document # XXXX on XXXX XX/XX/2004. GR say they subsequently transferred the mortgage to XXXX, thereby ending GR 's interest in the property. GR has not updated the XXXX XXXX property register showing that it no longer holds a lien against the property. They say that XXXX had responsibility for updating the registry and did not do so. I am currently refinancing the property and my new lender requires a release for document XXXX as evidence that GR no longer has a lien against the property. GR have confirmed in writing that they never updated the public property register and are refusing to provide the release. GR state that XXXX must provide the release saying that GR has no lien. I am in jeopardy of losing my rate lock and incurring additional costs if my refinance does not go through due to the lien registered by GR. My husband and I have called GR 8 times, spending hours on the phone and being transferred around, and have sent more than half a dozen emails to senior GR management, copying XXXX, and have had no resolution from either yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BUS ADMIN ODA , 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
Product: Credit card or prepaid card

I had a Klarna card payment of {$200.00} due on XX/XX/XXXX and this payment was set up on autopay. I went to the klarna card website and selected that XX/XX/XXXX payment specifically and was able to choose each installment that was part of that payment that I wanted to pay early on XX/XX/XXXX. I have done this before and the automatic payment will adjust to reflect the payments that I paid early. This did not happen in this case. I thought it odd that I didnt get the emails that I usually do when I pay early. On XXXX the XXXX the installments that were part of the Klarna card payment were deducted ( not pended ) from my bank account. Then on the morning of XX/XX/XXXX I noticed that the {$200.00} was pending and reached out to Klarna support via chat. I explained to the age that I did not owe the {$200.00} and that I made $ XXXX in early payments so I should only be drafted for the balance which was {$81.00}. The agent assured me that the pending charge would adjust to the correct amount. Not an hour later that {$200.00} charge was drafted from my account and was no longer pending. I reached out again no less than 5 other times by chat and phone as well as filing a complaint with the XXXX XXXX XXXX. I was asking that the additional {$140.00} payment which was made in good faith to be allocated to the payment due on XX/XX/XXXX be returned since they drafted the {$200.00} anyway. I advised them that I wanted to fix the situation because if I disputed the charges with my bank my banks position is that its all fruit from the same poison tree so they were going to reverse the {$200.00} plus the {$140.00} and they will block Klarna so they can never debit my account again for any reason. Meaning that Klarna would get nothing. I did not want this to happen. I only wanted a resolution that would have them keep the funds that I owed them, I would get back the funds that were part of an eary pay for that payment and I could resume making payments for any other balances owed. Klarna 's response was that they were keeping all the funds and if I wanted my money back I needed to dispute with my bank. Putting me in a position where I have no other means to pay them if they will be forever blocked from debiting my account. When I brought this up I was told they would just send me to collections.
Product: Debt collection

Portfolio recovery owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The Portfolio Recovery fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following account : XXXX XXXX. I neither initiated nor authorized the opening of this account, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of this account.
Product: Mortgage

I am in forbearance which I started in XX/XX/2021. When I started this I read all the information about it. But never saw anything about if I do this I would not be able to get another loan once Im out of forbearance unless I make XXXX payments in a row. Thats not what upsets me is fast forward to XXXX and I want to put the house on the market to sell. That is when i find out about the XXXX payments. I have sold my house and will be paying off the mortgage in a lump sum all at once. So I will not be able to Make XXXX payments so does that mean that I have to wait to one year to buy another house? I dont think thats fair. I am paying my obligation off in a lump some. So why am I being punished for something that was out of my hands?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ( not sure where they get their info from ) had my legal name as " XXXX '' XXXX and not XXXX, so I noticed this and called to correct it, quick fix and it was all correct. then all of a sudden with this info a new entry to my credit profile was added, a collections, a FRAUD collections. So I called up, explained the situation, they said they would mark is as fraud to have it removed, Ok great. Then I get a letter in the mail stating the item was VERIFIED ... .. I called today to ask how that's possible and was told " They said it was valid '' sooooooo the Fraud that was put on my profile THOSE PEOPLE said it was valid and Equifax believed them '?? '? This would be funny if it were not true. So anyone can place an almost {$40000.00} entry to your credit profile and it can not come off unless the scammers agree you don't owe it '?? LOL Equifax 's " Investigation '' is literally them asking the Fraud " is this his '' they say YES " ok we believe you '' On what planet is that an " investigation '' '? I offered to get a police report they said " The Creditor would still have to agree to remove it '' This is holding my credit hostage to get $ XXXX from me and Equifax is assisting in the fraud and should be charged with fraud. FYI my credit score was over 800 before this and is now XXXX so I WILL be looking for damages to my financial well being if this is not corrected in 30 days of this complaint
Product: Debt collection

Hello, I enrolled with a debt consolidation company, GRT Financial in XXXXXXXX XXXX Michigan in XX/XX/XXXX. They were to draft $ XXXX for XXXX months to settle debts on XXXX credit cards I maintained. I cancelled the program XX/XX/XXXX and expected they return 75 % of my contributions per the program. It was explained to me at the outset of the program that 75 % of my payments to GRT would be used to settle the debt with my creditors, GRT would use 25 % for internal admin expenses and settlements. 
Over the 4 months I participated in the program I contributed {$1200.00} to GRT and received a credit of {$500.00}. Not a dime was paid to any of my creditors during this time frame, nor were any of my creditors notified of my engaging GRT to negotiate a settlement as the collection calls from the creditors continued to increase in frequency and urgency. 
GRT misrepresented their service to me, I believe they are scammers, fraudulent, deceptive. I will accept a settlement of {$370.00}, paid by XX/XX/XXXX, otherwise I'm taking this issue to the FBI as it was interstate commerce, and the Michigan Attorney General. Thank you.
Product: Credit reporting or other personal consumer reports

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I am trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies remove all fraudulent accounts immediately. 
XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$660.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$2100.00} The following inquiries XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following names are also not correct and appear on my credit report XXXX XXXX and XXXX XXXX. There are also a number of accounts in collection that need to be removed XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$800.00}, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$730.00}, XXXX XXXX XXXX {$610.00} and XXXX XXXX.
Product: Student loan

I am writing to express my frustration with the customer service I received from Navient on XX/XX/XXXX. I called to inquire about the total amount I have paid on my private student loans since they were disbursed in XXXX. However, the customer service agent I spoke with told me that she didn't know the answer and couldn't provide me with the information I requested. She then placed me on hold, where I remained for over XXXX minutes. I then talked to a supervisor who told me that she could not provide that information either, that should could only send me a report of what I see online, and send it to my address. 

I find this lack of responsiveness and helpfulness extremely disappointing. As a long-time borrower, I expect to be able to access my account information without such difficulty. The inability to obtain a simple answer to my query, coupled with the excessive hold time, reflects poorly on Navient 's customer service practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this creditor that the account was sold too. I requested proof that this was my account. I have NO clue of this acct nor ever rented any music equipment. They were short and rude without any help my name was on there and that was enough she stated. My name is very common! I will seek legal action if this company does not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 35 inquiries I have disputed more than 5 times and yet they remain. I did not authorize, Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Manager Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX  XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies
Product: Mortgage

I was under a trial modification agreement with Chase Home mortgage. I received assistance from NCHAF to pay the outstanding late balance and the XXXX, XXXX and XXXX payments. Chase was mailed 2 checks on XX/XX/XXXX and they have not applied these checks to my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX ( XXXX ) claims to have investigated the complaints and verified the PRA accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. But have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. My contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. PRA confessed Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX XXXXXXXX permission to give any information to this company. I never gave PRA permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) XXXXXXXX offense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. I never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt PRA claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. PRA confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX XXXX XXXX and PRA is required to validate the accounts. That is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX XXXXXXXX ) and B ( XXXX XXXXXXXX ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. PRA must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed immediately!
Product: Credit card

My lawyer requested that Usbank send the remaining money on my two secured credit cards to the debtor ( me ) and usbank proceeds to send it to her office. This has created so much confusion because her office never received the funds
Product: Debt collection

Aldous reported this collection account that is not mine it is fraudulant it states original Creditor is XXXX XXXX XXXX XXXX for {$700.00} no address or telephone or account number to contact is listed in my credit report to contact company.
Product: Debt collection

I have attempted to contact the company in regard to a debt they claim I owe. They have not provided the proper information I have requested.
Product: Vehicle loan or lease

My name is XXXX XXXX, I'm submitting this complaint, and all future correspondences will be by me and from me. 
On XX/XX/XXXX, I went to XXXX XXXX of XXXX to get a new car via credit through Capital One Auto Finance. Although I had already obtained a pre-approval, I was told by the sales agent that I would still need to pay a cash down payment and have a co-signer. Because I needed a car, my mother XXXX XXXX XXXX ) agreed to be my co-signer and I also gave a {$7500.00} cash down payment. I am now a more informed consumer and have come to realize that fraudulent, misleading, unfair and abusive acts have been committed against me, and it also appears that, that was the intent from the onset of the consumer credit transaction. I was charged a cash down payment in connection with a finance charge, my insurance was not included in the finance charge, I was not given required disclosures under the Truth In Lending Act, and the method used to determine the finance charge was not included. Attached to this complaint will be the contract which evidences my claims of violations, my affidavit of truth, and notice of rescission that was mailed to Capital One Auto Finance. The property involved in the consumer credit transaction can be identified by the following ; XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following inaccurate and unauthorized account appearing on my credit report.
Product: Debt collection

After filing my first complaint the response was that the company would not call me further to collect the debt and I was placed on their do not call list. 

Since then I have been harassed in the very same manner. Calls repetitively followed by loud and rude comments and obscene language.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose