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

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I was set up with a modification due to a layoff during the pandemic, they sent me a letter stating I was approved and I sent back the signed letter, it is now XX/XX/XXXX and I am now being informed that my modification is no longer valid as they seemed to have not recieved my 3 emails and uploads to get them the signed paperwork, this is not my first trist with PHH/XXXX XXXX. These people are horrible. I am now upside down in my home and will be paying for my house for 60 years, I have been in my home since XX/XX/XXXX. I have paid as I have promised and they are now telling me that I am behind over 4k. 
Can I sue them and be done with my mortgage already? What options due I have I want to get rid of them and be done with my house mortgages with these people. they are a XXXX  nightmare, the scripts they read to us need to be changed, no one seems to know what they are doing. 
i want to sue them! I want them to release me and my home with a settlement of anykind just to get away from them. 
Who can sue them and where do I go next?
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently limited recently. PayPal just emailed me You can no longer do business with PayPal Reference ID : XXXX without any explanation. In the first time, I asked for help in PayPal account. For sure, they just said sorry without any explanation, even though any chance to explain. 
I tried to recall what happened and searched all keywords about PayPal Limitation Meanwhile, Ive kept trying to contact PayPal customer service 56 times. They told me surely I had highly risk suspicion to deceive and theres no way to restore my account. They didnt tell me which policy I disobeyed. They told me i will able access to withdraw my money after 180 days. 
I checked in my PayPal the only transaction was by {$10000.00} in XX/XX/XXXX of 2020. 

For along time I was working for a company in Arizona but I m from NJ. 
That company provided good benefit and after covid19 came I lost my job. 
I was thinking about the best place to put my money and try to made a business. 
My friend recommend to me use PayPal because is Safe for everything but after I received my money my experience has been really bad. 
I dreamed with start my business with this company But i m really feel hurt. 


In the las year I had hard time for resolve all my financial problem because after wait 6 month and i try to withdraw my money I couldn't. 

I have a family. my wife with XXXX pretty kids. The life here is expensive. 
My question is, is PayPal thinking about family support when they hold the money for 180 days? 
In XX/XX/XXXX, XXXX when I received the email for withdraw funds, I try many attempts but all time was failure. 
Right now is almost 9 months and my PayPal Account don't have any dispute or Chargeback. If I tried take out my money 3 months ago why they didn't help me if I made the request to that department?. That why one of PayPal agent made me a request to Backoffice department to help me made a Manual Withdraw in my account with specify all detail, but the request never was responded by that department. Instead the system put another limited for 180 days.

Now they said another limitation for 180 more days. That is really crazy how that system work and made the policy of company contradiction. 
That why I feel really frustrate when nobody want help me. I need support with my family and my babies, they are not wait XXXX  for eat milk, bread, eggs, Need paid School, get gas, etc., Medical bills.

I pray to get somebody want help me with my case. 
My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$890.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I am a victim of identity theft. The fraudulent charges listed below are shown on my credit file but is not mine. I am officially disputing the fraudulent charges and request an immediate investigation. Please remove the fraudulent charges immediately from my files at : XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX Inquiries : XXXX XXXX XX/XX/XXXX Personal Information : XXXX  and also from : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Personal Information : XXXX Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Capital one closed the credit card, using adverse action. Capital one breached the contract, and violated my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX US Bankruptcy Court of XXXX Docket # XXXX
Product: Checking or savings account

US Bank on numerous occasions has adjusted and manipulated my transactions to gain more overdraft protection charges. When I called them out on it the first time and told them I had screenshots of the re-arrangements over 3 days they reversed it. The second time they charged 4x overdraft charges to my account while the account was still positive from the last business day. When I called the bank to resolve this error the excuse I was given was that your computer and her supervisor 's computer wouldn't reverse the overdraft charges. Here is a list of transactions and the balance that shows there should be no overdraft charges yet they refuse to return my money. 

XX/XX/XXXX Overdraft Paid Fee {$36.00} - {$110.00} XX/XX/XXXX Atm Fee XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} - {$81.00} XX/XX/XXXX Atm Withdrawal XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - {$79.00} XX/XX/XXXX Recurring Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX {$65.00} {$24.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX {$23.00} {$89.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$110.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$140.00} XX/XX/XXXX Electronic Deposit XXXX XXXX XXXX {$240.00} {$180.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Az {$49.00} - {$55.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX*XXXX  XXXX {$17.00} - {$5.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$12.00} XX/XX/XXXX Web Authorized XXXX XXXX {$110.00} {$48.00} XX/XX/XXXX Deposit View Image {$150.00}
Product: Debt collection

I was approved for federal student loan funds by XXXX XXXX XXXX at XXXX. Per the advisor I didnt meet the college requirements to receive the full loan amount granted. I am still being told that I used XXXX in students loans that I didnt not receive and have not been provided an option to dispute but it remains on my credit report. Balance is also increasing causing my credit score to drip and causing me financial distress.
Product: Debt collection

When I noticed this account showing up on my credit report I sent a letter to Aargon Collection Agency attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
I also tried to dispute this account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I haven't seen a fair outcome.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting 100 % Accuracy. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Below are the accounts that were assumed to be verified, but have not been. I am asking that all accounts be removed these accounts are reporting inaccurately, improperly, and fraudulently. These credit bureaus are breaking the laws created by the FCRA as well as violating my consumer rights and that will not be tolerated. Listed below are the accounts I expect to be removed. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXDofed- XX/XX/XXXX Account Name : XXXX/Dofed-02/2022 Account Name : XXXX XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Account Name : XXXX These accounts were opened fraudulently. I am a victim of identity theft.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX SERV Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from XXXX. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Product: Debt collection

Hello, my complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Aargon collection agency. In XXXX XXXX XXXX I was injured and suffered a broken foot when I was admitted to XXXX XXXX. I supplied them with my current health insurance information with XXXX XXXX of Nevada. One of their billing reps billed an old insurance company they had on file that I was no longer covered under. ( XXXX XXXX XXXX XXXX ). I received calls from Aargon Collection agency and explained to them what happened but they submitted the collections to the credit bureaus in the amount of {$1600.00}. I have attempted to resolve this issue with XXXX XXXX ( XXXX XXXX XXXX ) on multiple occasions with no resolve.
Product: Checking or savings account

On XX/XX/2022 I initiated a wire transfer of {$100.00} from an external financial institution to Bank of America. I was then charged a {$15.00} incoming domestic wire transfer fee which was not properly disclosed in either Bank of America 's Online Banking Service Agreement or Personal Schedule of Fees. In the Online Banking Service Agreement Section 5.B you can see fees for ACH transfers incoming/outgoing, but for wire transfers you can only see fees for outgoing transfers. On Page 14 of the Personal Schedule of Fees you can see a row for wire transfers incoming/outgoing and it only states Fee varies. Based on this information, I figured there would be no fees for incoming wire transfers and then I was charged one after it finished processing. I then called customer support, explained the situation, and asked for a waiver on the fee just this one time, but my request was denied because there was no error from the bank and that there was nothing they could do to waive the fee.
Product: Mortgage

I orginally had XXXX XXXXXXXX XXXX as my loan servicer. I did a loan modification in XX/XX/XXXX because of the pandemic. XXXX sold the loan Flagstar. Flagstar began servicing my loan in XX/XX/XXXX. Flagstar has reported to credit bureaus the loan modification as being XX/XX/XXXX. 
Also the Forbeasrence and loan mod during the pandemic was not to be reported to the credit bureaus which is why XXXX never reported it. 
I have contacted Flagstar and was told by their rep to dispute it with the credit bureaus which i did but but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank XXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I spoke with two different company representatives from Convergent Outsourcing Inc. regarding account number XXXX who have confirmed that the social security number on file with account number XXXX does not match my social security number. I have explained to this company that this account does not belong to me. Convergent Outsourcing Inc. has refused to remove this file, and has since sent a debt collection letter. Convergent Outsourcing Inc. continues to negatively report on my credit file, knowing that this account does not belong to me.
Product: Mortgage

I have tried to refi but I have too many late payments my situation is temporary I would like to put the debt behind the loan lower the interest or get a repayment plan I have been denied a modification because I have private investors backing my loan. 
I have filed an appeal but the paperwork indicates if there was an error they will review it but nothing about actually helping me with a new appeal for my situation. 
I have been trying to reach someone in collections to process a payment plan I am being rerouted to the same person until the appeal period is over. 
Now there is a hurricane in the south where the call center is located and Im not able to reach anybody. I feel like time is running out and nobody is helping me. there are no solutions if someone would like to stay in their home. they just want to do a short sale time is running out I will pay and I was told by a representative that i must be at least more than 2 months late in order to get a repayment plan. I need someone to help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX  about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX  XXXX/XXXX  inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/year> sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that the furnisher ( Capital One ) STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to the Capital One on XX/XX/year> : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.