23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX. 

I am a PayPal customer with email address XXXX Last year, PayPal frozen my account and withheld my money which I received from the state and ruled that I will have access to my money after 180days due to high risks which I didn't understand about.

PayPal is using same techniques to steal customers funds as thousands of people have Complaint about it too.

PayPal told me that I would have my money on XX/XX/2021 through emailed last year when I raised a concern appealing to get the limitation removed. 

I have waited so Long and on XX/XX/2021 I got email from PayPal saying my funds were eligible for withdrawal. But when I want to link my debit card to withdraw it, PayPal says there is issue with my account and I should contact customer service.

I have been PayPal contacting customer service to make adjustment for me to link my debit card to withdraw my funds since the previously linked debit cards are not active. But PayPal customer service representatives I have come in contact with are unprofessional and untrained as they always give a copy and paste response which doesn't even partain to the issue I raised.

My only issue is that I want to be able to link my debit card so I can withdraw my funds.

I want anybody attending to this Complaint to forward this to a specialist in the limitation department to resolve my issue and then to get in touch with CFPB, California Attorney General and XXXX that they have made the adjustment for me to add my debit card, and also I want PayPal to give me a call.

I want to also suggest that the management of PayPal should retrain the customer support teams to handle customers Complaints effectively and not the hectic " copy and paste '' response everyone is complaining about which doesn't resolve any issue.

Also if PayPal put customers account on limitation and ask the customer to wait for 180 days before having access to funds, PayPal should make sure that after 180 days, all features for the customer to withdraw his/her funds are made available so that the customer will withdraw his/her funds without having to contact the untrained support which doesn't exist. 

I have sent more than 50 emails and messages to PayPal without any solution and it's very sad other customers are going through the same process.

After the 180 days, PayPal should enable all features for exit of funds to the customer.

I need my issue resolved and I will never use PayPal again.

I will attach the error message which I receive, a screenshot of email from PayPal saying my funds were eligible for withdrawal I need my issue resolved asap without any delay.

I don't want a response that doesn't resolve my issue.
Product: Mortgage

I was facing difficulties with XXXX XXXX, Specialized loan Services my mortgagor put me on a forbearance plan. While on their approved plan in XXXX of XXXX they charge me a late payment processing fee. 
On XX/XX/XXXX I was told the plan was ending on XX/XX/XXXX. 
I managed to pay back in full all the amount due in XX/XX/XXXX. 
In XX/XX/XXXX they charge me another late fee again for late payment while still on the forbearance plan and while I paid in full the amount past due in the statement I received from them in XX/XX/XXXX. 
Now they took the full payment I made. They take some money from it to pay advance principal payment and the following month I still get a bill not showing XXXX balance due.. that is the game they played til now. 
To make things worst now they say I owed total '' XXXX for 2 fees for being late on XX/XX/XXXX and another late on XX/XX/XXXX while since XXXX I repay back full payment showed on the statement I received from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported on my report from equifax, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Debt collection

I have been contacted by XXXX saying I owe a debt for credit card. Now I was contacted by a previous company that had this debt that proved that I did not have knowledge of this debt and did not occur this debt and sent it back to the original creditor as fraud. Now resurant refuses to do so sending harassing emails threading to sue, send me to jail and take my personal possesions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 sec.602 A. States I have a right to privacy 15 U.S.C. 1681c 2 sec.605 B. a consumer reporting agency shall block any information consumer identifies as information as a result of identity theft.DELETE not later than 4 business days after the day of receipt. It has been 7 days ; You are in violation! acc- XXXX 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. DELETE LATE payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my old car in and bought a new car. The XXXX department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet XXXX BUREAUS refuses to update me from being listed late payments on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX BUREAUS job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

on XX/XX/2021, i sent United Resource Systems Inc a letter about a alleged debt of XXXX that i do not owe. it was sent to this address at XXXX XXXX XXXX XXXX XXXX, CO XXXX ATTN : XXXX XXXX, XXXX XXXX with usps certified mail tracking # XXXX XXXX XXXX XXXX XXXX. i never received anything from them that i requested and i attached a copy below
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full I tried to dispute online but with XXXX credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened XXXX XXXX XXXX credit card to finance my new business in XX/XX/XXXX. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to XXXX XXXX, and XXXX XXXX soon after closed my XXXX account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to XXXX XXXX. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly XXXX XXXX had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called XXXX XXXX, and after XXXX hours on the phone and XXXX transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - XXXX XXXX. I disputed this with Equifax as an account that no longer belongs to me, due to XXXX XXXX refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because XXXX XXXX refused to accept my payment and Equifax did not remove the account from my file. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a company to help repair credit was a prepaid loan if I paid a certain amount within a certain time then at the end of that term then I would be able to receive the money so actually it was a glorified savings account I did pay over {$400.00} and then covid hit and I lost my job so technically I do not owe them any money I never received a loan from them or any type of funds whatsoever they actually took money from me
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in XXXX noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX XXXX Account N u m b e r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u n t : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fair debt collection practices act 15 USC 1692-1692p Telephone consumer protection act 47 USC 227 Federal trade commission guidelines 15 USC 1692d - prohibits harassing, oppressive, or abusive conduct 15 USC 1692e - prohibits false or misleading representations ( e.g., misrepresenting debt amount )
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2019Mid America Mortgage stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.
Product: Debt collection

I identified fake accounts in my credit file and request they be erased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, TranUnion, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C. XXXX ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

Financial Recovery Service INC. PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).
Product: Mortgage

I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket )
Product: Debt collection

LVNV FUNDING LLC {$630.00} I never received a written communication on this debt. I was not made aware of this collection until I pulled my report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.