23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i have no knowledge of these accounts they must be removed withen XXXX calendors days from day or receipt Account info Account name XXXX  XXXXXXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$17000.00} Highest balance - Terms XXXX  Months On record until XXXX XXXXAccount info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$3500.00} Highest balance {$7100.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX  XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX - XXXX updated - Recent payment - Monthly payment - Original balance {$3500.00}
Product: Money transfer, virtual currency, or money service

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

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

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

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a business account with Chase Bank for 17 years. I found 3 unauthorized check transition on XX/XX/2020, and reported to the bank right away, it took me 4 hours and speak with an outsource customer service in XXXX, it's really hard to understand what they said. The very second day those 3 checks were refund by Chase but another 9 checks flood in over night and took out all the money in my account. I reported it right away, it took another 4 hours. That was XX/XX/2020, They did not refund my money until today XX/XX/2020. Now is a very difficult time with COVID 19, and I have nothing in my account to keep my business running. What should I do? How long should I wait, it's not my fault but it's my money more than XXXX dollars. Can you help me.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Fraudulent Accounts from Credit Reports Dear Sir/Madam , I am writing to formally request the removal of fraudulent accounts listed on my credit report with Experian, XXXX, and XXXX XXXX as these accounts were created as a result of identity theft. The details of these fraudulent accounts have been reported to the Federal Trade Commission ( FTC ), and the reference number for my FTC Identity Theft Report is XXXX. 

I am invoking my rights under the following laws to request the immediate investigation and removal of these accounts : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Protects consumer privacy and prohibits the sharing of sensitive financial information without consent.

15 U.S.C. 1681b ( Fair Credit Reporting Act ) : Governs the permissible purposes for which a consumer report can be furnished and prohibits the inclusion of inaccurate information.

18 U.S.C. 1028A ( Aggravated Identity Theft ) : Addresses penalties for knowingly using, without lawful authority, another persons identity to commit fraud.

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXXXXXX : Account # XXXX, fraudulent amount {$2700.00} XXXX XXXXXXXX : Account # XXXX, fraudulent amount {$750.00} XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, fraudulent amount {$3000.00} XXXX XXXX XXXX XXXX Account # XXXX, fraudulent amount {$2400.00} Credence Resource Management : Account # XXXX, fraudulent amount {$420.00} These accounts do not belong to me, and I have no knowledge of their origins or any transactions associated with them. As required by law, I am providing the following documentation to support my claim : A copy of my FTC Identity Theft Report A copy of my identification ( if required ) A copy of the fraudulent entries on my credit report Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes and remove fraudulent information promptly. Please ensure that all records of these accounts are permanently deleted from my credit file to prevent further harm. 

I appreciate your prompt attention to this matter. Please confirm the receipt of this letter and inform me of any additional steps I need to take. You may reach me at XXXX or XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXX XXXX XXXX mortgage acct XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with EXPERIAN as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX XXXX XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, Expeeian and any other furnishes of my personal credit.
Product: Debt collection

CMRE Financial Services is attempted to collect money from me but not willing to verify their information over the phone. I received a call from a representative and she did not confirm her identification and wanted me to verify my name and my address. Based on a XXXX search this company is a healthcare collection service. The company did not mail me anything confirming the debt is mine or what I got done. I do not owe any medical bills at this time but I am getting a call from this agency. I would like for them to confirm this medical debt and what I got done and the purpose for this debt. Company will not verify anything regarding my debt or any personal information that would confirm this debt is mine. I am being threatened and this company is trying to destroy my credit which I worked hard to maintain. The company is trying to collect XXXX dollars and I called my insurance company and they do not have an EOB showing I owe XXXX dollars.
Product: Money transfer, virtual currency, or money service

At XXXXCT I deposited XXXX BNB coins into my Binance.US account from trust wallet. I entered the address and MEMO but for some reason the memo did not submit. When I hit enter the transaction successfully sent but was never received by my Binance.US account. The Tx Receipt is, however saying the transfer was a success. According to Binance.US this issue can be resolved but I have not heard from any support personnel since submitting my ticket Wednesday morning at XXXX, only auto generated emails from a third party company.
Product: Debt collection

I was shocked when I reviewed my credit report and found collection account on my credit report. I am not sure how this happened, but this is a total violations of FCRA and FDCPA, and under these provisions I demand that this account be removed from my credit file as I never had any type of relationship with this company or any company associated with you.
Product: Checking or savings account

I work for a gov't agency which was ordered by our local superior court ( on XXXX ) to investigate why a guardianship ordered by the court is not operating as needed. 
The reason is because Merrill Lynch has not honored the guardianship documents and therefore the guardian has not been able to access funds which are necessary to pay for the ward 's care. The elderly ward is now facing eviction from her care facility due to non-payment, because Merrill Lynch has continued to disregard the court 's guardianship documents. 

In my effort to assist the guardian, over the last 3 weeks I have spent approximately 10 hours on phone calls and the guardian has spent add'l and excessive time calling, faxing, mailing... all to no avail. No one at Merrill Lynch has been able to assist and every call requires recreating the scenario with a new service rep. The lack of customer service is unconscionable.
Product: Mortgage

Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO
Product: Debt collection

XXXX Company : Portfolio Recovery Systems Address : PRS XXXX XXXX XXXX XXXX Va XXXX Phone : XXXX Account XXXX Attention Credit Collection Company : To Whom It May Concern : On XX/XX/XXXX I discovered this debit on my credit Report. 
I have no knowledge of this debit. I had received letters from you regarding credit issues for two prior XXXX XXXX accounts XXXX XXXX As of XXXX The new debit reported to my credit, I had thought that this was from the prior accounts and disputed it. 
On receiving paperwork dated XXXX I have contacted your company and had spoken with the dispute department. 
( 1 ) I had validated my debits with XXXX XXXX accounts ending in XXXX and XXXX ( 2 ) XXXX XXXX will not allow me to originate a new card in any way shape or capacity while I have two charging off accounts.

( 3 ) The balance on card ending in XXXX and XXXX is the same as confirmed on your end. 
( 4 ) I had contacted your company for the payoff amounts for any and all accounts that may pertain to me when I had paid my previous debits and this account XXXX was obtained by you on XXXX, per your rep but did not post to my credit until XXXX ( 5 ) on XXXX I had spoken with a representative that assigned himself to my accounts and took valid payments to clear them, this third account was not mentioned nor was brought up. My address was valid in your system as you had sent me paperwork via the FCRA rules on the last debits but not this one. 
( 6 ) The account aforementioned XXXX was originated in a town 35 miles from my location and the transactions took place in that location. 



In accordance with the Rules of the FDCPA, I am requesting that : Immediately stop its collection activity due to two things The validity that this is my actual debit and that it may have been transposed from the original creditor, or within the company itself.

1. Again the address is not mine and had not been since XXXX 2. A. The debit was suddenly assigned to me XXXX XXXX had cleared all my accounts as they were sent to you and verified. Again XXXX XXXX will not issue another card when one is in bad standings B. The assignment of debit if it happened on XXXX to your company than it should have been made available for payment when I paid on my other debits on 03.27.21 C. Unsure of how the debit made it to one credit report and not the others, and it just started reporting on XXXX when it was in possession of the collection company for 2 months. 
Investigate the debit : I request a copy of the original debit origination paperwork signed by me. 
If you can verify the information, you have listed as accurate, please provide the name of the person supplying this data as well as the way it was provided in order that I may pursue remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX, Ny XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Radius Global Solutions which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Radius Global Solutions has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Radius Global Solutions. Radius Global Solutions is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXXXXXX XXXX Is reporting a credit card late every month for several years. The card account has been closed several years ago and account and balance were cleared. The company if report incorrect information. which is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY XXXX XXXX. 

ACCT NAME : XXXX XXXX  ACCT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT PUBLIC LAW 91-506, TITLE VI, SECTION 611 PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE INACCURACIES ON MY ACCOUNT, PLEASE SEND ME MY UPDATED CREDIT REPORT AFTER YOUR RE-INVESTIGATION. THANK YOU
Product: Checking or savings account

On XX/XX/2018 I checked the chase Mobil site for and update on my balance. On the site there are 2 balances shown one is a present balance the other is an available balance. I had an available balance of almost XXXX so I used my debit card. The next day I checked my balance again and I had a negative balance totaling XXXX. I got charged XXXX four different times for insufficient funds. I have called the customer support center twice both times representative was not helpful at all. They will not take the charges off because I reached the limit for reversals I tried to close the account down because of this they won't close it. I have no problem paying for the purchases I did make but I told them I am not paying the 4 overdraft charges because i had a positive balance when I used my card. Chase Bank is the worst bank to choose to have an account with ever since the first month I had my account I've had nothing but problems with them
Product: Credit card

Today Saturday, XX/XX/year>, is now the third day in a row, I can not login to my accounts on capital one website to pay my bills. This is causing confusion and XXXX, as every time I've called, representatives are vague, non descriptive of what is causing the issue, and basically tell me to wait another day. This has been a continuation and the problem still persists. I've had other capital one cards recently that I was an account manager on for my father 's card, and his card was closed, due to a payment bouncing, due to their website issues, which they are acknowledging, however, wouldn't reopen. They still haven't fixed my issue pertaining to my own accounts, and I still can't see anything to pay my bill. Constant error message saying they have hit a snag, when I call, same vague answer with no fixture. I've tried what they suggested, loging into the actual application. Everytime I try, it locks me out, due to another error, that is causing the application to have to verify my every single time, for the past 72 hours. Also, when I speak to a representative on the phone, they say nothing is wrong with my account, and to try back tomorrow. Again, I am at a complete loss. This is causing XXXX  and unease as I need to pay my bills and see my accounts, without having to go through this kind of trouble, specifically when I've done nothing wrong. The problem is still active, no fixture, day three. I am merely writing this because I am certain, tomorrow will be the same exact thing.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. There was a fraudulent transfer of XXXX sent from my account to PNC Bank. My bank XXXX was immediately contacted and they contacted PNC to let them know it was a scam. We were told it was not authorized and should be recalled. I went to PNC bank and was told they would help me but I was not their customer. I provided all info from XXXX and was told XXXX could give me a courtesy recovery refund. Fast forward on XX/XX/XXXX XXXX sent a Hold Harmless to PNC. XXXX is adding it's on PNC as the beneficiary bank and they were aware of the fraud. PNC has not responded nor returned the stolen money. XXXX says they are not liable. We submitted proof to XXXX the transaction was done from a XXXX phone which we own a XXXX. We are wanting our money back from PNC Bank. We submitted to PNC their account holder 's name. I reached out to PNC and they could not discuss with me because I'm not their customer. Please help we need our funds returned as we had nothing to do with this.
Product: Debt or credit management

I havent done anything but looked into credit repair. Capital One business i did reach out to in XXXX to tell them I was working with a party XXXX that took my paid me for my services with a fraudulent account which put me in the negative. They still held me responsible and I cant repay them
Product: Credit reporting or other personal consumer reports

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies XXXX XXXX, personal XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Mohelas handling of my federal student loans. Despite being enrolled in the Public Service Loan Forgiveness ( PSLF ) program, the Saving on a Valuable Education ( SAVE ) plan, and the Income-Contingent Repayment ( ICR ) plan, my monthly student loan payment has been increasing by approximately {$300.00} every month without explanation. 
I have not attended school since XXXX, yet my total student loan balance continues to grow, now exceeding what I owe on my home, which I purchased in XXXX and refinanced once. This is financially unsustainable and contradicts the purpose of the PSLF and income-driven repayment programs.

Additionally, I work for a nonprofit organization that helps individuals experiencing homelessness, dedicating my career to public service. Under the PSLF program, my payments should be both stable and reflective of my income, but instead, Mohelas mismanagement is causing serious financial strain.

I have attempted to contact Mohela numerous times to resolve this issue. Each time I call, I am placed on a callback list but never receive meaningful assistance. I am unable to get clear answers about why my payments are increasing or how my balance is continuing to rise.

I am requesting the CFPB to investigate Mohelas handling of my loan, specifically : 1. An explanation for the unexplained increases in my monthly payments.

2. A review of Mohelas customer service practices, particularly their failure to provide adequate assistance.

3. A correction to my account to ensure my payments align with PSLF, SAVE, and ICR requirements. 
This situation is urgent, as these ongoing increases are financially destabilizing. I appreciate your prompt attention to this matter and look forward to your assistance in ensuring Mohela complies with federal repayment guidelines. Please let me know if you require any additional information.
Product: Checking or savings account

An open investigation is going on as to an illegal garnishment from my minor sons account. They have now placed the funds back however the debit card was declined 3 times last night when my son tried to get his dinner, all were declined which resulted to severe embarrassment and him being hungry until he got in last evening after his shift. I called to the person assigned to my case and she refused to discuss his card with me although per THEIR policy ( WELLS FARGO ) I as a XXXX have sole control of with drawls, deposits and transactions. I can only reason that XXXX would not discuss the declining of his card with me because she is retaliating my complaints of the financial institutions repeated bad business practices.
Product: Checking or savings account

In the last several weeks, CapitalOne refused to open XXXX XXXX XXXX account for me. They claim that this is because of the computer issue with their database. Today, XX/XX/2020, I spoke again with their representative XXXX, employee number XXXX and he again denied me the account. They have been claiming that technical department will fix some unspecified issue at unspecified point of time. It has been weeks, and issue is not fixed.