23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX & XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX Transunion and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint against PayPal , Inc. regarding an unresolved fraud claim related to the theft of my identity. Despite providing substantial evidence, including official reports from the FBI and the Federal Trade Commission ( FTC ), my claim was closed without resolution in my favor. 

Details of the Complaint : Name : XXXX XXXX XXXX XXXX Email Address : XXXX / XXXX Contact Phone Number : XXXX / XXXX PayPal Account Email : XXXX XXXX ID : XXXX Case ID : XXXX Date of Fraudulent Transaction : XX/XX/2024 Amount of Disputed Transaction : {$980.00} Summary of the Issue : On XX/XX/2024, I discovered a fraudulent transaction on my PayPal account. I immediately reported the unauthorized activity to PayPal and provided extensive documentation to support my claim, including identity theft reports submitted to the FBI and FTC. Despite this, PayPal closed my case against me, stating that they did not find sufficient evidence of fraud.

I believe that PayPal did not conduct a thorough investigation of my case, which has resulted in significant financial and emotional distress. I am seeking the CFPB 's assistance in re-opening my claim and ensuring a fair and comprehensive review of all provided evidence. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

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

Upon reviewing my credit report through XXXX XXXX, I have been notified of over 10 unauthorized inquiries, as well as accounts that are unfamiliar to me.
Product: Credit card or prepaid card

Background I had an American Express Gold Card that I signed up in XXXXXXXX XXXX XXXXXXXX. Within a few months of signing up, I kept being bombarded with offers to upgrade to the Platinum Card for an extra XXXX points and {$150.00} statement credit. I made the move to upgrade my card in XXXX XXXX XXXX which is when this mess started. 

Amex uses vague language that says the reserve the right to take back any promotional offer if the card is downgraded within 12 months. It is not made clear which 12 months is specified. From what I understood of the rules, I could downgrade my card after 12 months of paid membership, whereas they define it as 12 months of receiving a promotional offer. This is never made clear to the consumer, and is buried in vague language on purpose to deceive the customer. 

Timeline XXXX : Upgraded to the Platinum Card from the American Express Gold card after months of being bombarded with ads to upgrade to the Platinum Card from the Gold card. I was looking for a card with lounge access and is the primary reason I chose to upgrade to the Platinum card. Few things were not explained to me in the offer : * It was not explained in detail that promotional points would be taken back if I downgraded the card within one year. The terms only says that Amex reserved the right to do so, not that it will. 
* It was not explained by Amex representatives that there another product, the XXXX XXXX Amex Platinum Card, that repays the annual fee. If I had known of this option, I would have never signed up for this promotional offer. 

XXXX : I requested a downgrade from the Platinum Card to the Gold since my year of paid membership was done. It was never explained to be that the promotional points would be taken back at this point. 

XXXX : I found out about the XXXX XXXX Platinum card, and singed up for this one instead. As a consumer, would I pay for a service that I can get for free? For the other platinum card, there were still benefits I wanted to use that I had already paid for via the annual fee for the year, so I waited until my year was up before canceling. 

XXXX : American Express took back the promotional offer of XXXX points and {$150.00} statement credit.
Product: Mortgage

I paid off my mortgage 12-15 years ago with XXXX XXXX. In XXXX of XXXX I went to my bank, XXXX XXXX, to apply for a home equity loan to update electrical. I previously had a credit score of XXXX and XXXX XXXX told me they wouldn't give me a loan because my credit score was so low. XXXX XXXX told me that there was an outstanding mortgage on my paid for home which had been taken out in XXXX. I did not apply for or get a mortgage on my home. XXXX XXXX told me that the mortgage on my home was held by Ditech Financial, LLC. I have called Ditech numerous times and asked them to send a copy of the mortgage with my signature to me. Ditech has refused to do so. Someone has committed fraud by taking a mortgage secured by my home without my knowledge or permission. I want Ditech to provide the information and I want the mortgage removed from my home since it is fraudulent and it is affecting my credit adversely.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, the truth of reporting, the accuracy of the claim, the correctness of reporting, completeness of claim, the fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 
XXXX XXXX XXXX**** This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion please remove the block and the exstended fraud alert from my credit report, I never gave you Permission to but a block on my report or the extended fraud alert on my file, remove all blocks and fraud alerts on my file. Cease and Desist from reporting any thing that I do not give you permission to do. Remove it immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a purchase through Paypal for a pair of shoes. While paypal was the payment processor, the payment method was my XXXX XXXX XXXX credit card. The total amount for this transaction was {$69.00}. The paypal transaction ID is XXXX. 

On XX/XX/XXXX, I receive the item from the seller, but it was not the item that I ordered. I opened a dispute with paypal. 

Between XX/XX/XXXX and XX/XX/XXXX, I was working with the seller and Paypal to come to a resolution. The seller wanted me to pay international return shipping to send them the wrong item they sent me back to them. I didn't think that was fair that I had to pay for return shipping because the seller sent me the wrong item. 

On XX/XX/XXXX, I opened a dispute with XXXX  XXXX XXXX since it didn't look like I was going to be able to get my money back through Paypal without paying {$30.00} in return shipping. XXXX XXXX XXXX issued me a provisional credit of {$69.00} while they investigated the claim. 

On XX/XX/XXXX, Paypal told me that I was able to get reimbursed for shipping through a separate program that they have. With this knowledge, I went ahead and returned the item and paid the {$30.00} international return shipping. The seller then issued me a refund for the item, and Paypal covered the return shipping cost. 

At this point, I had been fully refunded so the disputes were then closed with both Paypal and XXXX  XXXX XXXX. Everything was good at this point. XXXX  XXXX XXXX told me they would take back their {$69.00} provision credit since I had been issued a refund through Paypal. That was good, i only needed a single refund and not two. 

Everything was good until XX/XX/2021, when paypal contacted me to tell me that they were taking their refund back since I had opened a dispute with XXXX  XXXX XXXX and received a credit for them. Their claim is that I received a " double refund '' for the same transaction, so they wanted their money back. What they didn't know is that the dispute with XXXX XXXX XXXXXXXX was closed, and XXXX  XXXX XXXX took their provisional credit back. Paypal has now left my account in a - {$69.00} balance. Both companies refuse to reopen the dispute since " a dispute can't be reopened once it is closed ''. 

I've attached several screenshots with annotations showing what happened. One is the Paypal transactions, and the other is my bank statement showing the two charges and two refunds. The final one is the email from paypal where they are now debiting me another {$69.00}. 

In summary, I opened up disputes with both companies for the same transaction, and both companies gave me a refund. I then told XXXX XXXX XXXX about the Paypal refund, so they took their credit back ( rightly so ). Months later, paypal found out about the dispute and decided to ALSO take their refund back. This leaves me out {$69.00} for a transaction that should have been refunded. Both companies are not helping since the disputes are already closed, and their policy is to not re-open closed disputes.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, at XXXX XXXX, My coinbase crypto currency account held on Coinbase.com was hacked and coinbase sent 2 step verification to the hackers after they altered my verification process somehow. They then transferred over {$16000.00} worth of XXXX tokens to an unknown wallet and I believe they traded it into all bitcoin before then sending it all into approximately 126 other wallets. I have tracked the initial illegal transfer through the website XXXX. I found there the hackers made 4 transfers out of my account and then did the rest out of their own account. I called the XXXX County Sheriff 's department in South Carolina who took a report for me. I contacted Coinbase support also on the XXXX of XXXX to inform them that they allowed unauthorized transfer of my funds and wanted help from them to replace what was stolen. It was my life savings that was taken. I am on XXXX and do not have the ability to " make that up '' by working or saving it up again. It has taken me years to get the money to the level it was at. 
I got an initial response to my inquiry stating they needed 3-5 business days as they had a " specialist '' looking into the incident. That was on XX/XX/2021 and once again on XX/XX/2021 they repeated that statement as I sent the information I had gathered on XXXX tracking the thieves/hackers. I was told to wait 3-5 business days and I have not heard back from coinbase since that email which arrived at XXXX XXXX  on the XXXX of XXXX, 2021. 
I need help in this matter as I have taken the steps as directed on the coinbase website and filed a police report on the matter. I am in deep jeopardy in the near future when it comes to debts owed that was due to be paid out through those investments. Their delay in responding to me is making me think that they were or are involved with the theft of my money as well. Why else would they ignore someone who was robbed from their site? I am distressed daily over this matter. I need my investments back. I do not know what I can or should do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I paid off my car loan with Capitol One despite filling XXXX  XXXX bankruptcy in XX/XX/XXXX & have been disputing that with Capitol One ( who sent me the title ) & the 3 major credit bureaus since it was discharged in XXXX of XXXX which has and still remains as a negative on my credit reports... I just received a notarized letter from Capitol One saying the lien is released which means for all that time this item was never investigated in accordance to the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. 
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into XXXX XXXX XXXX to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX XXXX. The bank released the funds as I signed all documents at XXXX XXXX XXXX finance center and walked away owning the XXXX XXXX XXXX, XXXX : XXXX. 

On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from XXXX XXXX XXXX XXXX Account Number : XXXX ). I called XXXX XXXX XXXX who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called XXXX XXXX XXXX multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX. 

I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX. 

I sent a letter to both Experian and XXXX XXXX XXXX. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted. 

Experian Credit Reporting Dispute XXXX. XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America ( BofA ) just assigned a new account number, as there was a " data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.
Product: Credit reporting or other personal consumer reports

I did not give this company the authorization to run my credit
Product: Credit card or prepaid card

Scammers got a hold of my account they took most of my social security benefit in XXXX of 2021 I contacted the Direct Express Debit Card Company it takes an hour and a half to reach somebody I've attempted to reach them on multiple occasions having to wait an hour and a half each time on several occasions I was hung up on after waiting an hour and a half. I told them someone had fraudulently taking my money out of my account. They told me that they were going to send me a a fraud form and that I had to return it within 10 days. I actually got the Form on the XXXX day. I had to rush out and complete the form and fax it back to them. After doing all that and telling them the information that they requested they denied my claim, saying that I authorized someone to use my card. There's no way that a social security recipient would use XXXX XXXX in the amount of {$1300.00}. They were rude not caring and I find that they have XXXX XXXX  XXXX XXXX  reports about their business ethics. They need to be reviewed because most of the clients are social security recipients and we need our money and there's no way we're going to spend that amount of money on whatever XXXX XXXX is. 
It's not fair and if there's so many complaints against them somebody needs to look into this. They are scammed like the people that took my money. They ate fica insured, and they are responsible for thoroughly investigating matters of this type. I asked for them to provide documentation and they hung up on me. I am mailing you my documentation. PLEASE LOOK AT ALL OF THE COMPLAINTS. Social makes us sign up for Direct express, it's not fair that they scam us and nothing is done about it. Kinda of makes you feel that they are in on the scam.
Product: Checking or savings account

Three weeks ago I requested SunTrust Bank to close my checking account .they said it could not be closed then they proceeded to charge me {$3.00} and now claim they can't close it because I owe them {$3.00} they also threatened to charge more fees after XX/XX/XXXX .I have sent doesn't of emails and several phone calls they refused to cooperate