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

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was placed in error, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the circumstances that led to the limitation of my account. I am confident that upon re-examination, it will become evident that there has been a misunderstanding or mistake. I have always strived to adhere to PayPal 's terms of service and have been a responsible user of the platform. 

I kindly ask for your understanding and cooperation in resolving this matter. I understand that PayPal must take appropriate measures to ensure the security and integrity of its services, and I fully support these efforts. However, I strongly believe that my account has been mistakenly flagged, and I request that you give it a fair review. 

If possible, I kindly request PayPal to restore my account to its previous state, allowing me to continue using your services for my online transactions. I have been a loyal customer for a significant period of time, and I have always appreciated the convenience and reliability of PayPal. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request you to take this matter seriously and expedite the investigation process. 

Thank you for your attention to this matter. I sincerely hope for a prompt resolution and the reinstatement of my PayPal account.
Product: Debt collection

I previously submitted a complaint against Gurstel Chargo/Gurstel Law Firm in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XXXX XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through XXXX XXXX XXXX in which the last date of payment was XXXX XXXX, XXXX. I also received a demand for payment the same month. I responded by certified mail XXXX XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XXXX XXXX, which was a copy of a statement from the credit card company XXXX XXXX XXXX. In XXXX XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XXXX XXXX they sent me copies of paperwork requesting information from me and XXXX. At this point I submitted a complaint against the law firm and XXXX XXXX XXXX with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XXXX XXXX, XXXX that they have filed against me with the court.
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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my TransUnion credit report on XX/XX/XXXX to review the only credit card listed - XXXX XXXX ( XXXX ). 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my XXXX  XXXX  Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached TransUnion credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 )  Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, XXXX is now reporting it as {$0.00}. 

Enough already ... the account was Closed by XXXX on XX/XX/XXXX!
Product: Mortgage

Have not received my 1098 for 2021 - loan was sold by lender to XXXX XXXX in XX/XX/2021. I have XXXX 1098 but never received the LoanDepot.com 1098. 
Called 2 weeks ago to request duplicate. Was told by customer service rep it would be sent out same day. Still have not received anything. Can no longer login as once loan was sold they removed my ID from their online system.
Product: Checking or savings account

Enrolled in XXXX but they keep taking out {$20.00} for overdraft fees when I pay for something that is {$5.00} or below.
Product: Debt collection

This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ... 


I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received. 


I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since. 


On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report. 


After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager. 


EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022, 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
Product: Credit reporting or other personal consumer reports

I have repeatedly requested for an original contract with my wet signature and have never received this validation.
Product: Money transfer, virtual currency, or money service

A " pay-pal '' refund of {$23.00} minus a check fee of {$1.00} = refund amount of {$22.00} Never received my refund check which was supposedly mailed XX/XX/2023 Appealed their decision 2 times asking where my check was, which they denied 2 times I ask them to show me a canceled check, but they refused to do so It has been going on 2 months now and still no check in the mail I closed my account with them after XXXX yrs last week because of their fraud & thievery I just want my hard-earned money back I need your help please! 
Thank you! 
( transaction I.D . XXXX )
Product: Vehicle loan or lease

I was XXXX  car was impounded I couldnt afford to get it out. And I been trying to contact them to give it back but no answer at response its been two months they been charging me XX/XX/year> They are still reporting late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Sage Stream is supposed to have a permanant freeze on it and never to be used for credit reporting purposes. I sent them a request on XX/XX/XXXX to freeze my report permanantly and they sent me the letter saying that they had frozen it. Well on XX/XX/XXXX I applied for credit and the decision made by the lender came from Sage Stream. They were not supposed to see anything by Sage Stream. Because it was supposed to be frozen indefinitely with them. I don't even know who Sage Stream is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

AXOS Bank refuses to provide me a statement of my account and has stolen my bank account funds. I have requested to report fraudulent activity and they hung up on me. They are refusing to provide account statement. They are refusing to allow me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Transunion about a XXXX  XXXX XXXX account and credit card being opened fraudulently. I received an email that the investigation was completed and the information was verified. Verified to who, not me. They didn't believe me. So, when XXXX  XXXX XXXX told Transunion it was open fraudulently they closed the account.
Product: Credit reporting or other personal consumer reports

i sent a letter to transunion to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.
Product: Mortgage

I have a HELOC with XXXX. 

My interest rate has been at 2.24 % fixed up to this date. 
Although the amount of my principal has been decreased from {$110000.00} to {$83000.00} the interest amount I am paying is fluctuating and in some instances has been increased. 

For example : On XX/XX/XXXX, my principal balance was {$95000.00}, and the amount of interest I paid was {$170.00} at a rate of 2.24 %. 
On XX/XX/XXXX, my principal balance is {$83000.00}, and the amount of interest is {$170.00} at a rate of 2.24 %. 

As I demonstrated above The principle is decreased, and the interest rate is the same at 2.24 %, but the interest amount is increased. The amount of interest is fluctuating every month, and there is no reasoning behind it. 

I have complained to Rocket Mortgage several times, but they do not think this is a problem. They are very condescending and show me a formula, claiming this is different than the way mortgages are calculated. 

This is fraud. If the principal amount is decreasing, and the Interest Rate is the same how can they justify the differences in the interest amount every month?
Product: Mortgage

I applied for a refinance with Lendplus XX/XX/2020 and was told by XXXX XXXX that the process would take around 2-3 months so I assumed that the rate lock would reflect that. The delays are now being blamed on me when that was not the case. I have always turned documents around within 24 hours. The documents they are stating was delayed were the ones requiring wet signature which they first said they could use docusign for. Later, they said they couldn't take the docusign and I needed to produce a wet signed document. They blamed this week for the rate expiring even though they said they were swamped with refi processing and the process would take up to 3 months. As a result the closing documents do not reflect the points I initially would have to pay. At no point until i received the closing documents did they tell me that the points cost to extend would be passed to me
Product: Debt collection

Freedom Debt relief is asking for money ( settlement fees ) on a paid off account that I was sued for and subsequently I had to pay the credit card company directly or go to court. they failed to live up to their bargain of having their attorneys negotiate for me, which i paid them to do. they did not communicate with me in good faith as my court date approached and i was forced to pay the credit card or be sued for the amount plus court costs and attorneys fees. Freedom Debt Relief ( Freedom Financial ) failed to pay the credit card company money i had in my account as well as kept fees associated with said account. Now they are asking for money associated with this account that i Had to pay the full amount to the credit card company.
Product: Debt collection

XXXX XXXX, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( Gugulielmo & Associates ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This XXXX XXXX and Guglielmo, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.
Product: Credit card

Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.
Product: Credit card or prepaid card

I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} Equifax : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.