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

I was the victim of an extortion scam in which a hacker gained unauthorized access to my personal information. The hacker threatened to sell my information on the XXXX XXXX  and lock me out of my social media account unless I sent them {$300.00} via PayPal and it had to be using friends and family mode.

Upon realizing this was fraudulent, I immediately contacted PayPal and opened a dispute. Despite providing evidence, including screenshots of the threats and my FBI IC3 report, PayPal closed the case in favor of the recipient, stating that Friends and Family payments do not qualify for dispute resolution. However, this payment was made under duress and coercion, which voids any claim of voluntary consent or authorization on my part. 

Paypal closed the case minutes after I submitted it. Additionally, paypal notified the hacker of the complaint, and has continued to investigate the issue on his side. He messaged me again asking to tell paypal that i consented and continued to send me threats. Paypal is taking action on the hacker, but closed the case on my end before it was even resolved with him. 

I believe PayPal has failed to properly protect me as a consumer by refusing to consider the fraudulent nature of the transaction and the coercive circumstances. I request PayPal to reexamine this case as fraud and issue a refund of the {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX # XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.
Product: Debt collection

I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.
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 1

5 USC 1681. has violated my rights. Or 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: Checking or savings account

This is a new complaint to follow up on previous claim ( XXXX ). 

SunTrust Bank ( Now Truist ) responded by filling a Fraud claim with their fraud department and notifying me on XX/XX/2021 with the fraud case number ( XXXX ) and that they will update me within 15 days. 

The case involves a reissued Escrow check that was allegedly mailed to me however was cashed by another individual. 

I received a copy of the cashed check from SunTrust on XX/XX/2021. The endorsement on the back of the check ( bank routing number ) indicated that the check was deposited via ATM of XXXX XXXX XXXX XXXX ( XXXX ) bank account. I verified the information with XXXX  and they confirmed routing number belongs to them. I included that information in the police report which I submitted to SunTrust and XXXX. 

Since I haven't heard any follow up regarding the fraud claim, and after may attempts I was able today XX/XX/2021, to get through after 2 hours on the phone to find out that they send an affidavit ( which is the next step after initiating a fraud claim ) to the involved bank, supposedly XXXX  ... however they sent the affidavit to ( XXXX  XXXX XXXX )! which has nothing to do with cashing the check nor do I even bank with. 
I can't get through to anyone who is in charge to talk to and follow up. Every time is a struggle to communicate with them, the only good thing is the customer service representative who assisted me finding the information today about sending affidavit to XXXX  XXXX XXXX. 

I fear that they will close the case with no resolution due to their incompetency and inability to even read their own documents ( endorsement on the back of the cashed check and run a simple Bank Routing Lookup ) not alone my police report, and I will be out of my money ( {$690.00} ). 

In the meanwhile, from my communication with XXXX, they are waiting to receive commination from SunTrust to start the process at their end. 

I am at the end of my rob here and not sure what to do?
Product: Debt collection

XXXX XXXX  XXXX Open XX/XX/year> They could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verifcation of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Checking or savings account

I closed my account via XXXX. They said it was closed and done. But now I know that I succeeded closed my saving account but there was XXXX  left on my checking so they dont close my account. I thought lt was closed so i ignore anything else. Few months after, now they said i owned money because my checking was not closed so there is maintenance fee. Now the account is closed and they can't do anything at all. And keep saying its my fault. Thats it. Nothing they can do. And i have to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed  by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX , Transition. Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING RESOURCE GUIDE : In compliance with FCRA section 611 ( a ) ( 5 ) ( D ), the consumer credit reporting industry maintains an automated dispute resolution system. This system, called e-OSCAR, is available for use by all data furnishers. 
XXXX, XXXX and Transunion all use E-Oscar, The data furnisher researches the disputed account and transmits a response back to the originating consumer reporting agency via e-OSCAR. XXXX and XXXX deleted the XXXX XXXX XXXX. # XXXX XXXX, # XXXX # XXXX. 
TransUnion refuses to even though they have received notification. They should all ues the same codes Compliance Condition Code XB, XXXX XXXX used ( Account Status Code 97 on time barred loans. If the lender reported Account Status Code t Status Code 97 ( charge-off ) during the period that it held the loan, the tradeline should be deleted by reporting Account Status Code DA. 

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ] was amended by the Economic Growth, Regulatory Relief, and Consumer Protection Act ( EGRRCPA ) to provide that, a consumer may request a lender to remove from a consumer report a reported default regarding a private student loan, and such information shall not be considered inaccurate, if the lender chooses to offer a private student loan rehabilitation program that meets the requirements of section 623 ( a ) ( 1 ). The term default as used in EGRRCPA is not a defined term for purposes of private student loans, but the student loan industry generally regards loans that are either in collections ( Account Status Code 93 ) or charged off ( Account Status Code 97 ) as being in default. If the information is modified or delete the information is modified or deleted, e-OSCAR automatically sends a response to the originating consumer d, e-OSCAR automatically sends a response to the originating consumer reporting agency and sends carbon copies to any other consumer reporting agencies with which the data furnishers registration is active in e-OSCAR. XXXX XXXX notified the data furnisher via e-OSCAR of any account modifications or deletions as a result of the dispute reinvestigation.. 
If the co-signer of the private student loan is released from further liability on the loan, report ECOA Code T ( Terminated ) for the co-signer and discontinue reporting the co-signer going forward. 
Consumer Information Indicator Base Segment Field XXXX XXXX and XXXX Segments Field XXXX
Product: Payday loan, title loan, or personal loan

I fell behind on my payments in XX/XX/XXXX. I never signed anything and simply asked for a payment holiday. They put me in forbearance and changed the term of my loan. It is an installment loan with a fixed interest rate. It originated XX/XX/XXXX with a monthly payment of XXXX. I had missed three months of payments but now I am current as far as making 25 payments of XXXX. They say I owe interest from being late and made my monthly payment XXXX even after catching up with my monthly installments. They want me to pay over XXXX dollars more than what was agreed too. I simply want the old scheduled payment back to what we agreed too. I have already told them I will not make a higher payment since I never agreed to a higher payment in writing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Vehicle loan or lease

Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. 

Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. 

After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. 

The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. 

They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. 

The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. 

All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. 

The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. 

Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. 

Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. 

I 'm attaching contract and Pay off quote from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a validation letter asking to verify all the information. They didn't provide me with anything. A data brench where all my information was used and I was not aware. Now I want this action to to take place. The XXXX data brench that happen I am one of theses people who information was used. 
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

n accordance with the Fair Credit Reporting Act, XXXX  AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting

EXPERIAN FAILED TO UPDATE ACCOUNT AS PAYING IN SETTLEMENT AGREEMENT AND FAILED TO PROPERLY CHANGE ACCOUNT STTAUS ETC.. 
XXXX. XXXX LOAN NO.XXXX, CORRECT OR DELETE.ACCOUNT DISPUTED UNDER THE FAIR CREDIT BILLING ACT OF 2003 PLEASE UPDATE TO REFLCT NO STSTUS UNTIL FURTHER NOTICE. ( SEE ATTACHED INFO ).
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute multiple negative entries currently reflected on my credit report. Upon careful review, I have found that these items were incorrectly not missing accuracy and unjustly reported. Therefore, I am requesting the immediate removal of these entries as they have not been validated or verified in accordance with relevant federal consumer protection laws. The accounts listed below were purchased by a third-party debt collector ( Information Below ), and the details recorded in my credit report are incorrect. Specifically, the amounts reported are inaccurate, the account status is misleading, and the account was settled for an amount less than owed, as reflected in my attached credit reports with the highlighted discrepancies as you can see by attached credit reports and highlighted issues Please note that the information provided is NOT CORRECT and NOT ACCURATED and, as such, must be DELETED INMEDIATELY. Also, all the addresses that are detailed here are old and not updated. 

According to this article, I have already requested the validation information from the provider or collection agency, and they have not sent me the information I was requesting. Section 611 ( 15 U.S.C. 1681i ) - Right to dispute incorrect information : This section requires credit reporting agencies to investigate consumer disputes about inaccurate or incomplete information in their credit reports within 30 days ( about 4 and a half weeks ). If they can not verify the information, they are required to delete it immediately.

Specifically, the amounts reported are inaccurate, the account status is misleading, and the account was settled for an amount less than owed, as reflected in my attached credit reports with the highlighted discrepancies as you can see by attached credit reports and highlighted issues Please note that the information provided is NOT CORRECT and NOT ACCURATED and, as such, must be DELETED INMEDIATELY. Also, all the addresses that are detailed here are old and not updated.

According to this article, I have already requested the validation information from the provider or collection agency, and they have not sent me the information I was requesting. Section 611 ( 15 U.S.C. 1681i ) - Right to dispute incorrect information : This section requires credit reporting agencies to investigate consumer disputes about inaccurate or incomplete information in their credit reports within 30 days ( about 4 and a half weeks ). If they can not verify the information, they are required to delete it immediately.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Experian and XXXX regarding XXXX XXXX XXXX XXXXXX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXXXXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. My XXXX  date was XX/XX/XXXX, XXXX. I provided the XXXX  documents provided to me by thXXXX XXXX XXXX XXXX when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXX XXXX  are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Debt collection

I just discovered I had an outstanding collection for an XXXX XXXX XXXX account I thought had already been handled. Now after paying the debt in full it is still showing as a collection on my credit report and Im also seeing where Diversified consultants repeatedly removed it from my Bureau and then re opened the following month lowering my score tremendously.. I never received any mail or calls about the debt and would of had no clue had we not been applying for a mortgage
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, 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 a a
ccount with my written instructions
Product: Credit card or prepaid card

I called my KeyBank unemployment benefits bank card ( XXXX ) on XXXX at XXXX to get access to my account online because my password wasnt working and my account was locked. In addition, my PIN number was changed. The customer service representative unlocked my account and I was able to log in and view my balance/activity. I asked the representative about a suspicious charge of {$500.00} in my account and she expressed that the {$500.00} were transferred to a checking account via web on XXXX at XXXX. I never authorized this transfer and she stated that someone must have access to my personal information such as my social security number or card number. I dont know who can have personal information to access my card at this moment. I closed my card and requested a new card to be sent. I was trying to resolve this issue with the Fraud dept at XXXX, but the representative, XXXX, stated that I was in the wrong dept. XXXX stated that he didnt have access to this activity. He then advised me to call back and speak to a customer service representative. I was never dispatched, I called again and spoke to XXXX, customer service, which she then dispatched my call to the dispute dept for further information. After a 2 hours on hold, my call was ended by XXXX bank. I did not authorize {$500.00} to be transferred from my account to any checking account and I would like my money back. The representatives that were alerted did not help. Help me please!