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 recent permanent limitation placed on my PayPal account, associated with the email address XXXX. Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information. I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for 3 years and upon cancelling my debit card, which was linked to my account was subject to fraud. Therefore u had to cancel it and upon cancelling my card my Venmo account was frozen. When I received my new card I linked it to my account and the problem still occurred. I am not able to make payments receive payments, or even retrieve my balance. I have tried to resolve this issue with Venmo, I have spoken to them on the phone and they have told me I can only resolve it online, which is why I reached out to customer service. I was in contact with customer service, having to answer many questions and suddenly venmo stopped responding to my emails in the midst of attempting to resolve this issue. There is no way to reach Venmo I contact them fill out q form and then they never contact me again and it is the same process over and over. I have expressed to Venmo that even if I can not use my account all I want is to retrieve my balance as I have a large amount of money and am unable to get it.
Product: Money transfer, virtual currency, or money service

Deposited {$15000.00} tax free check [ from a Workers Compensation claim settlement with XXXX XXXX ] into the Bank of America on XXXX. ACCT Number XXXX XXXX. The slip and receipt says Hold code C. Total deposit that day was {$15000.00}. Hold code C, XXXX, XXXX available XXXX at XXXX XXXX. Since then my account began at {$14000.00} not the deposited {$15000.00}. 
I also withdrew {$8000.00} at a later date, and have all the money in its original slip and it is only {$7500.00} not {$8000.00} as listed on the receipt. They used a machine to count out the money. Probably programmed it to dispense XXXX instead of a XXXX. This is fraud.
Product: Student loan

I was with Navient for several years until recently now I'm with XXXX XXXX XXXX. 

When I consolidated several federal loans with Navient, I requested an income driven repayment plan. I believe this was around 2012. I've been paying back these loans ever since then, and I have not missed any payments. 

Recently there has been a lot of information around loan forgiveness for those on income-based repayment plans when they have been paying for more than 10 years. I believed that I would qualify for this. When I tried to get information on whether or not I qualified, I found out that Navient misled me and pushed me into a XXXX standard repayment plan. They told me I was on an income-driven plan, but I was actual put on an extended XXXX standard plan which I didn't even know existed. Now I owe just about the same balance as I did 10 years ago, and I'm not eligible for loan forgiveness because they misled me about me repayment plan. I believe I was misled and tricked into a repayment plan that I did not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out multiple letters to the credit bureaus regarding inaccurate and unknown things located on my credit report. My letters were mailed out on XX/XX/2021 and up until now I havent got any response from them. This situation has caused me to XXXX XXXX and I need to have it resolved immediately.
Product: Mortgage

I am behind in my house payments and have applied for a loan modification repayment plan. 
Green Tree has blocked my account number and phone number. I have not been able to contact them since XXXX/XXXX/15. As soon as the system recognizes me I am told the extension entered is invalid. I do n't enter an extension. At first they had my account number blocked and I figured out how to reach them without the account number, then they blocked my phone number as well. Please help me!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER 5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices.
Product: Vehicle loan or lease

************Not a Duplicate complaint************** New evidence included since the company wants to act like they dont know ... 


In XX/XX/2017, I was given a loan which was deemed a predatory loan by the attorney general of oregon and was included in a law suit against santander and which was settled. I am entitled to the settlement which was already agreed upon. 

settlement can be seen on this website : XXXX XXXX XXXX
Product: Credit card

GM Master card was transferred to Goldman Sachs and two {$40.00} fees were added to my account because I was having difficulties paying this account. I requested a courtesy waiver of the fees to allow me to be able to pay this account off. I was told the fees could not be waived but no real explanation why.
Product: Debt collection

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. 
computer generated letters are all I'm getting back with no human interception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple FRAUDULENT hard inquiries XXXX and Experian will not delete these off of my credit report According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 



XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX  ( Bank ) XX/XX/XXXX EXPERIAN XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The CBE Group inaccurately reporting information on all credit bureaus
Product: Credit card or prepaid card

On XX/XX/21, I was charged {$1800.00} by XXXX on my Fifth Third Bank credit card ending in XXXX. This transacation was then cancelled by the merchant on the same day XX/XX/21, and a credit was issued to my card. As of XX/XX/21, the original transaction has already posted to my account, but I have second debit transaction pending for {$1800.00}. So, I effectivey have two amounts of {$1800.00} being subtracted from my total available credit, one that has posted and one that is pending. I called Fifth Third Bank on XX/XX/21 and spoke with a customer service representive, a supervisor, as well as, had a chat conversation with an employee via the Fifth Third Bank website. All employees said that they can see that the second transaction is actually a credit, but could not explain why it would be subtracted from my available balance. All three simply said that this is the that Fifth Third Bank handles credits. I am not asking for the credit to be posted early to my account, but simply that the second credit transation should not be taking money away from my available balance.
Product: Checking or savings account

On XXXX XXXX I logged into Ally due to getting an email that my XXXX access has been suspended ( I don't use XXXX ) and found that all my accounts ( checking and savings ) had been closed with zero balances. I had snail mailed 2 paychecks a few days ago for deposit. 


I chatted with XXXX XXXX who said they were closed due to issue with " invalid mailing address '' and they had mailed me a check for the balance in my accounts. This issue with " invalid '' address was resolved weeks ago and I proved my address is valid. And if they think the address is invalid, why did they MAIL me a check to the allegedly invalid address?
Product: Mortgage

We obtained a loan with Nationstar Mortgage LLC. A Deed of Trust was recorded on behalf of Nationstar in relation to that financing ( on or about XXXX XXXX, XXXX ) ... but on XXXX XXXX, XXXX there was an additional Financing Statement recorded on behalf of Nationstar. Please see attached preliminary title report. We are now trying to refinance with a new mortgage company and can not get Nationstar to release the UCC # 3 document which would release this XXXX lien they recorded on our property. We believe that they mistakenly or fraudulently placed this XXXX lien on our property. We have tried to obtain the UCC # 3 document from Nationstar since XXXX XXXX, XXXX. We have contacted them numerous times by phone and email and they give us no reason why they cant give us the UCC # 3 document or why the lien was even placed on the property. The individuals that we have been in contact with are no longer answering our requests. No one will call us back and no one seems to know what is happening with our request. In other words, I feel like we are getting the run around from Nationstar. More details can be provided if necessary along with names and email addresses of those individuals we have been dealing with.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX XXXX  Inquiry date XX/XX/year>XXXX XXXX XXXX  Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit card or prepaid card

XX/XX/2019 I received a Balance Transfer offer and preprinted checks from CITI for my master card. However, I also received balance transfer offers and checks for two other consumers in the same envelope. I called and spoke with CITI regarding this matter on XX/XX/2019 expressing my concern that the two other consumers or any other consumer may have received my balance transfer information and checks which have my name, address, last four digits of my account number etc .... They did state that no activity had occurred on my account and to remedy the issue they asked me to send back the offer checks for the other consumers that I had received. It wasn't until I requested a freeze on my account that anything protecting my information was done.
Product: Debt collection

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were opened or made fraudulently in my name, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$9000.00} XXXX. XXXX XXXX XXXX  o Account Number : **** o Date Opened : XX/XX/XXXX o Amount : {$400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$22000.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o XXXX of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

My student loan was in default and went into wage garnishment. I ma trying to start a payment plan to get out of default and NO one will call me back. I have called over 120 times in the last month and left over 47 voicemails. I have called all government departments that had anything to do with my loan and the only thing they tell me is that I have to speak to someone at Immediate Credit Recovery. At this point they are stealing from me. They are collecting a fee when I am actually trying to get out of default. They wont call me back because after I get out of default they will not be able to collect their fee.
Product: Debt collection

From XXXX to the present day, this company has repeatedly called my home and mobile numbers, as well as the mobile numbers of my family, multiple times a week, sometimes multiple calls daily, in regard to debt that is not owned by any of us. During calls, the company claims to be XXXX XXXX. I've notified the callers that the numbers they are calling are the wrong numbers, the numbers do not belong to the person they are attempting to contact, and to stop calling. They then proceed to call with a different phone number. I sent a cease and desist letter today ( XX/XX/XXXX ) because previous requests to stop calling went ignored.
Product: Debt collection

IC Systems ( XXXX XXXX ) {$610.00} They are harassing me for cable equipment that was turned in a few years ago. I've been trying to dispute it off my credit report as I do not feel I owe this amount. Since then I have moved and lost the receipt given to me when I returned the equipment to the location at XXXX XXXX XXXX, XXXX Washington, DC XXXX. I would like to have this account removed from all of my credit reports as I feel this amount is incorrect.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my credit report as I normally do, but this time I noticed discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but the unauthorized inquiries remained. Im deeply concerned and frustrated, and I request that the documents Ive submitted be carefully reviewed so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  was paid off in XXXX. The information being reported by XXXX XXXX is incorrect. I have resolved this payment yet the negative reporting is affecting my credit score. 

XXXX XXXX repeatedly sends me offers to accept their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the car in XXXX at a purchase price of less than $ 10K. Santander repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. Santander needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. Santander also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with LOANCARE. they are reporting to the credit burau the account is " FHA REAL EA+STATE LOAN ; ACCOUNT INFORMATION DISPUTED BY CONSUMER.

I called the company and said I no longer dispute the account information and would like this removed. The company said to fax a written request to a number they gave me and they would remove this. I did this. they didnt remove it. I called back and they said they refused to remove this information and laughed at me. I asked why and they said because they do need to change this regardless of the fact I dont dispute this information. They are refusing to remove this so I have to continue to pay them higher interest than the market
Product: Credit card or prepaid card

I submitted this issue before XXXX and it was resolved then they just put the charges back on my credit account. They have sent me letters that the charges were false, then they keep changing their mind and putting them back. This all started in XX/XX/2019 when my account number was stolen and 8 charges from XXXX XXXX totaling {$3800.00} appeared on my card. I and no one in my family had anything to do with these online purchases. I do not know why the say they are valid. How can I prove they were not my charges when I had nothing to do with them, I don't even believe they were from my state location. Please help this has been a stressful and ridiculous resolution process.
Product: Mortgage

MB financial sold my mortgage to fifth third bank in XXXX. I paid faithfully since XXXX when I bought the house. I received a letter in XXXX saying my taxes were not paid for 3 years. Fifth third bank held my escrow account money and never paid my taxes for 3 years. I received a letter saying they paid XXXX for the whole 3 years of taxes finally and now wants me to pay back my own escrow acoount the XXXX XXXX dollars. They also raised my mortgage from XXXX per month to XXXX per month! What did they do with 3 years worth of my escrow account money?? Now I will lose my home????