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

Hello, i am operating motorcycle rental business for 3 years and i have been using paypal as a international money transfer provider since the beginning of the business. 
I have had many transactions from customers all over the world however at the beginning of XX/XX/year>, Paypal has decided to freeze my account for 180 days with no valid justification. 

They were asking me to provide registration of my business and business name. I work as a sole trader and business is registered under my name XXXX XXXX in XXXX. I have provided statements from my taxation office of registration. As a trading name i have been using name Cusco Activities since beginning. XXXX traders in XXXX are allowed to use trading names without registration of trading name. Everyone conducting a business in XXXX gets allocated XXXX number which we have to identify with. 

After going through a paypal policies I found that Paypal is allowing to use paypal business account without having a business incorporated. When i asked them about this statement they have not responded to it and told me that they dont need to provide any evidence or reason of freezing account. 

Multiple times i have asked them to provide me with their XXXX XXXX XXXX which they completely ignored. I have mentioned to them why did they let me to sign up and use their service for 3 years so they can freeze money that belong to customers after 3 years. I find this fraudelent because their sign up process for Paypal business does not require anything what they have been asking for now. 

The case number is Reference ID : XXXX My name is XXXX XXXX Address XXXX XXXX XXXX, XXXX, XXXX Business XXXX XXXX XXXXXXXX number XXXX
Product: Debt collection

The debt was dated back in 2014 but the company says it current. I notified the company that the card was stole back then. Im not sure why its still on my credit. The company has been harassing me with court dates and false documentation about this debt. I ask them to give me the original documentation on this account and they still havent provided me with the information.
Product: Prepaid card

I purchased a Amex gift card to pay for something over the phone ..... I've never used Amex before but heard great things about Amex cards...... I waited a few hours to be sure funds were available on said card... .went to use it and it does'nt work. I've tried lots of times..this card just does'nt work at all..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated the TCPA, FCRA and reported false information to the credit bureaus damaging my credit.
Product: Mortgage

XX/XX/2007, we were duped by B of A on the terms of a XXXX mortgage, which they " converted '' to a HELOC, effectively raising our mortgage rate by XXXX 20 %. At this point, XXXX effectually made our loan a " credit '', or " unsecured debt ''. The payment amount was unaffordable. We tried to obtain assistance, even enlisting our local Housing Assistance office. XXXX process, including threats of foreclosure and harassing us and our children at our residence, forced us into declaring a Ch. XXXX BK. Our court-approved repayment plan lists this B of A debt as unsecured debt, and it was discharged at the time of our successful completion of the repayment plan to the trustee. Despite this, XXXX sold the discharged debt to a " debt collection '' mortgage company, who sold it to another, who sold it to another, who sold it to yet another. We contacted our XXXX attorney via email ( prior to our discharge, when he was still bound by contract to act to protect us ), and he contacted the then-creditor who was harassing us. He informed us that they had stated that they had coded our discharge incorrectly and that they would rectify their error, so that our credit would not continue to be negatively affected. This did not happen, but by then our case was finished, and the BK lawyer stated that he would charge us his hourly fee, which we could not afford, to work for the correction he failed to ensure while we were retaining him. Since then, each ensuing company sent us monthly statements that were harassing in nature. Nationstar is the longest-standing, most intransigent of those who are causing us three years of ongoing financial and personal damages ( denial of credit, higher interest rates, and severely limited housing options, to name a few civil damages ). On top of this, we faced a XXXX in the midst of this situation. Notwithstanding, we paid off our Ch. XXXX plan and received our Federal Discharge of Bankruptcy. We have personally spoken to Nationstar 's representatives on no less than fifteen occasions, each of which has cost us upwards of three hours of time. We have been given a new name of the " Dedicated Loan Specialist '' to contact on EVERY statement we have received, but none has EVER remedied the error. We have WRITTEN, FAXED, and CALLED. We have been TRANSFERRED, REFERRED, and ADVISED on how to remedy our situation by providing our court documents, statements, and contact information. We can think of nothing left to do but the possibility of filing charges against our own lawyer AND Nationstar. We hope that this is not our only option. We have simply requested, and now would demand, that Nationstar relinquish its unfounded claim, and if necessary, instigate further actions against the seller of this unsecured, bankruptcy-discharged debt, and cease and desist its unethical harassment of us.
Product: Money transfer, virtual currency, or money service

In XX/XX/2020 I have received two transaction from my client in XXXX, XXXX XXXX in the amount of {$470.00} and {$320.00} ( attached ). However the sending XXXX XXXX routed the transactions through its affiliate Wells Fargo while disguising the international origin of the wire transactions ( violation of the Patriot Act II ) .. What was received on the end was {$50.00} less for both transactions as the XXXX XXXX XXXX disguised any fees charged to both my client and me and the transactions arrived as {$450.00} and {$290.00} respectively without any proper transaction routing and fee listing disclosures. What bank is doing is not only unethical but illegal and it must be stopped as this type of practice also encourages money laundering and complete lack of accountability/transparency. XXXX XXXX and Wells Fargo refused to answer any questions regarding this transaction.
Product: Debt collection

I received a medical debt from credit management company stating I owe a medical debt for the amount of {$1400.00} dollarsI am a total XXXX veteran with the Veterans Administration paying my medical bills I also have Social Security Medicare and should not be receiving a medical debt I have had the collection removed from XXXX and XXXX, but XXXX has not removed the collection from my credit report and my credit score dropped XXXX points I was also read that any medical debt should not be counted against my credit so I would appreciate it if you can get this information corrected I also I have not missed paying my bills in over 7 years so I was shocked to realize I had a medical debt from the hospital.
Product: Mortgage

Rocket Mortgage responded to an inquiry I made on a website where they advertised very attractive rates. Their sales agent, XXXX XXXX, contacted me, reviewed my goals and I provided him my credit score ( mid to high XXXX 's ). He indicated that with my income and XXXX my loan should be a slam dunk. 

I informed him that I was shopping and that it was important that he be accurate in his representations because I was aware that if he pulled my credit, it could harm me and cost me thousands of dollars if I were not approved, due to unfair Credit Bureau policies that punish consumers who shop between a couple of different mortgage companies. 

Because of XXXX 's indications of preapproval, I spent considerable time and effort with him, supplying him my documents and information required. He in turn refused to offer me any mortgage loan similar to what was advertised or similar to what we had discussed. No loan program was offered that would come close to meeting my needs ; Instead, he offered me a 60 % loan-to-value which was ridiculously low. This was contrary to prior indications : XXXX and his employer Rocket Mortgage " baited and switched '' me to an unattractive, expensive loan that would not meet my needs and which could be considered " predatory ''. This has caused me potentially permanent financial harm as they have lowered my credit score by pulling my credit without making a good faith effort to produce a reasonable loan product. 

I welcome legal inquiries to my personal email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the XXXX XXXX XXXX  and identity theft gov. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX Us Dept of Education is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX
Product: Credit card

CAPITAL ONE HAS FAILED TO REFUND MY ACCOUNT FOR SEVERAL CHARGES TOTALING OVER {$1100.00} THESE CHARGES WERE NOT AUTORIZED AND NOW CONTAMINATED MY CREDIT CARD.SEE ATTACHED.
Product: Credit card or prepaid card

Capital One closed all 3 of my credit card accounts without any warning in XX/XX/2021. I had been a Capital One client for several years until all my accounts were abruptly closed. Until then, I had impeccable payment history. I used 2 cards for myself, and my brother was an authorized user on the third. All my cards were closed because my brother, who had been making timely payments until XX/XX/2021, was unable to make payments because he became very sick with XXXX. He also got XXXX brain, which is a well known long term neurological complication of XXXX, and lived in a brain fog for months. He had payments through automatic withdrawal, and the payments were declined because of NSF. He did not realize that he did not have money in his account because of the brain fog. His business also suffered immensely for the same reason. Because of nonpayment, all 3 cards were closed down. As I am the one responsible for the payments, I have been making payments to the card since then. I took over payments as soon as I found out about the missed payments. However, even though he is an authorized user and I am the primary account holder, neither of us were contacted by Capital One even once. 

I just found out about my brother 's illness last summer. He was in Arizona and I live in Illinois. He told me about his illness last week, as he finally seems to have recovered completely. I had requested a reinstatement of my cards earlier based upon my payment history, which was impeccable, prior to the missed payments. I requested it again with the new facts, and got a refusal again. 

I am an XXXX Department physician. Although unimaginable as it might seem to me, it does look like Capital One missed the pandemic. I am sure my brother was not alone in failing to make payments because of XXXX. A person suddenly stops making payments in the age of XXXX and Capital One 's response is to cut the credit card. Appears to me to be a violation of the CARES Act, not giving a client the chance to make payments and acting punitively against a XXXX patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : 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 has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. 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. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.
Product: Payday loan, title loan, personal loan, or advance loan

Absolutely terrible company. I deposited {$100.00} on the app to cover a loan. I paid the loan back with my debit card instead of using the XXXX in my balance. I go to withdraw the XXXX dollars from my balance which clearly shows I have XXXX in my balance then it says I must contact customer support. 7 customer support agents later and they all say a resolution continues to be worked on and I should be able to withdraw the money by the end of the day. Its two weeks later and the XXXX is still sitting in my account for no reason other than their own lazy technical error. They should be penalized for holding my money. 

My last message to them is as follows, Here we go AGAIN! I need to be able to withdraw my funds IMMEDIATELY. Im tired of this issue. Youre my 7th rep now. I am able to get a loan but I cant withdraw the loan or my own money that Ive deposited and Im getting tired of it. I have XXXX kids and at least need to be able to withdraw the XXXX Ive deposited. Ive had 2 reps tell me they are going to get to the bottom of it but its been more than 24 hours. I have had the app reset, the plaid reset, uninstalled and reinstalled, etc. this is a horrible experience. I just want you to finally fix this for me please. Reporting to the proper authorities if my money isnt in my account by the end of the day EST. The last agent I talked to said this would be handled by the end of the business day, which was a Friday. I built the urgency around the fact that this is a holiday weekend and that I would not be able to access the funds until the following Tuesday if the issue was not fixed. My family lives on a tight budget and this company failed me.
Product: Debt collection

NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
Product: Checking or savings account

On XX/XX/2023 at XXXX I received an email stating that my new account at Frost Bank was open. I did not and have never opened an account at Frost Bank. This is the second time it has been open. There was another account opened online at Frost bank on XX/XX/2023. They have been closed and reported.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Navy Federal will not refund me money that was not authorized. I disputed a charge in XXXX on my account in the amount of {$670.00}. I have attached a statement containing the disputed charges and have highlighted it. I am a victim of theft and i did not make these charges/debits. I have requested that the aforementioned fraudulent charges be refunded back to me. I have spoke with the bank numerous times and I have also emailed and wrote letters to this bank. I have yet to receive my funds back. I was with this bank for over 20 years and never had any issues until now. I have attached a police report of case number XXXX when this occurred and gave them all other documentation confirming all the information of this charge.Social security number is XXXX
Product: Debt collection

To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 

XXXX XXXXThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you. 

AARGON AGENCY INCXXXX This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : FIGURE XXXX XXXXXXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX  XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX  XXXX -- -- XXXX : {$5500.00XXXX XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX  XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}