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

Dear PayPal XXXX XXXX, I am writing to you with regards to the recent blocking and limitation imposed on my newly created PayPal account. I am reaching out to address this matter and provide additional information to help clarify any concerns or misunderstandings that may have led to the action taken. 

Firstly, I want to emphasize that I am a new user on the PayPal platform and have not yet had the opportunity to engage in any transactions or activities that would violate PayPal 's terms and policies. As a newcomer, I am committed to using the platform responsibly and abiding by all the rules and regulations set forth by PayPal. 

I kindly request a thorough review of my account to understand the specific reasons behind the block and limitation. It is crucial for me to gain insight into any potential issues in order to rectify them promptly. I am willing to cooperate fully and provide any necessary information or documentation to verify my identity and resolve this matter as swiftly as possible. 

Furthermore, I would like to assure you of the utmost importance I place on security and compliance. I understand that PayPal has implemented robust measures to protect its users, and I appreciate the efforts made to maintain a safe environment for all transactions. I am fully committed to adhering to PayPal 's policies and guidelines and aim to build a trustworthy and long-lasting relationship with your platform. 

Please use my registered email address associated with the blocked account, XXXX, as the primary means of communication for any updates or further instructions regarding this appeal. 

Thank you for your attention to this matter. I sincerely hope for a fair assessment of my account and a swift resolution to the current situation. Should you require any additional information or have any questions, please do not hesitate to contact me. 

I appreciate your time and assistance in this matter. 

Yours sincerely, XXXX XXXX
Product: Debt collection

I was sold a pest control service from a company named XXXX XXXX XXXX in XXXX, Oregon. They sold me a service saying they would come to my home, locate and plug up holes where pests were getting into my house and set traps for the rodents. They came to my home and set two traps outside with no poison or bait in the traps. They sprayed some sort of chemical around my house. This did not stop the rodents. I used mouse traps to catch and kill the rodents. I had to go into my crawlspace and locate where the rodents were getting in and plugged up the hole. I had to go and buy the poison to put in the traps they left. 

The company did not provide me with the service they promised and I cancelled my service. Now the company is trying to collect for services not provided. They turned me into ARM Solutions for debt collection. I am getting harassing calls, texts, and letters from ARM Solutions. I have told them to stop contacting me and I do not owe XXXX XXXX XXXX any money. They will not leave me alone.
Product: Credit card or prepaid card

I purchased plane tickets through XXXX on XX/XX/2019. They were nonrefundable UNLESS I purchased cancellation plan marked Exhibit 'A ' for {$38.00}. Things changed I had to cancel my tickets a week later it was 6 weeks before the flight. XXXX refused to refund my money and said I owe the airlines {$250.00}. I NEVER purchased anything from UNITED airlines. I reported this as fraud to Chase credit card and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling TransUnion credit reporting agency to try and dispute some inquiries on my credit report each time that I have called and spoken to a transunion representative I have been told no that I 'm not able to dispute any inquiries on my credit report I have also asked the representatives is there any way that I could dispute online or over the phone I have also been told no I have called TransUnion on several occasions at different times and spoken to different representatives and they each told me the same thing that I 'm not able to dispute my inquiries. And would not assist me in doing so.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACT EARLY WARNING SERVICES TO GET A REPORT OF MY INFORMATION THEY REFUSE TO OPEN AND ACCOUNT OR HELP ME WITH AN ACCOUNT ALSO REFUSE TO GIVE ME MY EARLY SERVICES REPORT TO EXPLORE THE INFORMATION FURBISHED
Product: Mortgage

I am having extreme difficulty with OCWEN Loan Servicing. They have continually given me false information or no information. This whole scenario started with an award from XXXX XXXX XXXX XXXX An amount of XXXX was sent to OCWEN in XX/XX/XXXX and they applied all but XXXX months payment to the principal in XX/XX/XXXX. Then in XXXX they sent it back to the XXXX and put my account in arrears, default and obliterated my credit report. After spending most of the rest of XXXX on the phone with them they finally got the funds back from the State, applied the whole amount this time toward the principal, corrected my credit reports, and removed the default fee. When I looked at my account it was correct as of the XXXX statement. However, now they seem to be playing around with the funds again as some XXXX is unaccounted for in the principal and the payments have gone up from what I thought we had agreed upon as of a conversation with their escalation manager XXXX on XX/XX/XXXX. To make matters worse they have created no less than XXXX different 1098 forms, each with a different amount of interest paid in XXXX. The first one shows an interest amount paid of XXXX. The second one shows an interest amount paid of XXXX. The third one shows an interest amount paid of XXXX, which is the closest to the reality. ( See actual payments below ). The fourth one shows an interest amount paid of XXXX. I have been trying to talk to someone in escalation to get some answers but am having no luck. Every time I get a rep they either dont know or tell me they will let escalation know. Im worried that they are manipulating funds to benefit themselves and I dont even know what all they can get away with here. Im even concerned about what the 1098s are telling the IRS. And finally, they have made so many entries on the payment history it looks like a Byzantine nightmare. Please help. 

Actual Payments for XXXX from bank records : XXXX XXXX XXXX XXXX XXXX XXXX Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : XXXX was originally paid out of the XXXX funds when received the first time. XXXX, XXXX, & XXXX payments were increased by me to start reducing principal. Ocwen later used they funds to apply to interest when XXXX funds were received from the State the XXXX time. So XXXX interest only was XXXX and I added XXXX meant to reduce principal. XXXX was XXXX and I added XXXX. And XXXX was XXXX and I added XXXX. As confusing as this is I think what I state below is what should be and matches the XXXX statement and what was also on the payment page on XX/XX/XXXX when I talked to XXXX from escalation. XXXX days later they began playing with the amounts again. Now the payment page is off by some XXXX with regard to principal balance and payment is has been kicked up to XXXX when it should be XXXX as per the XXXX statement page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXXl XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.
Product: Debt collection

Hello and Good day, I can't express enough how frustrating and overwhelming this situation is. Imagine waking up one day to find a debt in your name that you have no knowledge ofcompletely unverified and not yours. On top of that, facing constant harassment through various channels, using all sorts of tactics, and even threats of legal action. As a law-abiding citizen, this is incredibly insulting, with my rights as a consumer being blatantly disregarded. This ordeal has taken a serious toll on my mental health, and Ive been losing sleep over it for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # account number XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX  account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX XXXX. account # XXXX has violated my rights. 

XXXX XXXX XXXX, account # XXXX has violated my rights. 
XXXX account # XXXX. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX XXXX XXXX think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at one of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.
Product: Debt collection

They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at XXXX XXXX XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX on XX/XX/2020. The application was denied because the credit reporting agency reported the following : You are participating in a payment relief of deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 

The above information is inaccurate as none of them items apply to my situation. The business reference from XXXX XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed an late payment that was in error from my closed account however stated they can not report the updated report to credit bureau
Product: Vehicle loan or lease

I co-signed for my son 's dad XXXX to get a new truck in XXXX that is currently being financed with ally financial. in XX/XX/XXXX Ally reported to the credit bureaus the account was past due. it was not I have made several attempts to dispute it from my credit report and have been unsuccessful full. I have been going back and forth with ally about this account because XXXX will not refinance to do whatever he needs to get me off this account with him. XXXX took me to court in XX/XX/XXXX claiming I left our primary residence and that I was in contempt of court. I was breaking the court order. the same year XXXX XXXX also filed a fraudulent tax return and claimed me as his spouse knowing I was already married to someone else and got a tax refund off of me because I didn't work that year. I would have mentioned this information in court while I was accused of breaking our court order but I did not know until 3 months later when I was registering for school and count get financial aid because my tax information didn't match what the IRS had. My point is XXXX doesn't get it both ways. what XXXX put on the paperwork for ally is false he said so in court and its illegal to lie on your credit application where he works and lived is false
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to transunion telling them to correct my information and i got no answer. i then attemped to file complaint here and i dont see it recorded on XXXX/XXXX/22. this is the second attempt to resolve this matter. i intend too contact the FTC if this is not the correct place the reslove the matter.
Product: Credit reporting or other personal consumer reports

I did not approve this inquiry, nor did I have any conversation with this lender on the given date
Product: Student loan

I am totally and permanently XXXX and my doctor filled out the physicians statement favorably. I applied for the total and permanent XXXX discharge with that physicians statement. I have submitted all information requested and all paperwork required so far and have yet to be approved. I have filed for Social Security XXXX and have a hearing before a judge in XX/XX/year>. I am trying to get the debt relief that I am entitled to by law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX dollars We received and XXXX and XXXX message that money is available through pick up, however when we about to pick up, money is not available. As we call on to tje customer service, they needed the call from the sender, sender is at sea and not available to call.. 
Procedure is hassle to both sender and receiver.
Product: Credit reporting or other personal consumer reports

I viewed my credit report on XXXX XXXX  and I have a medical bill being reported I believe that is a HIPPA violation. Send all three agencies a copy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX, has violated my rights.

according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.