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

On XX/XX/2020, an unauthorized transaction and hack occurred from PayPal account for the amount of {$2200.00} ; the hacker attempted to use several of my credit cards on my PayPal account, but the charge defaulted to my bank account ; thereby, initially withdrawing the said amount and thereby leaving my account overdrawn. I notified PayPal by automated response of the hack and unauthorized transaction. However, in less than 12 hours, I received an automated notice that the 'case closed ' following the statement that their investigations declared the transaction was 'authorized '. I attempted on several occasions throughout the days to speak to a live PayPal representative to help escalate the Identity Theft and Cyber Security risk to my account, but to no avail. I made a formal Police Report with my local Police Department. I also filed a FBI 'IC3 ' report of the CyberSecurity & Identity Theft. Additionally, I also filed a Federal Trade Commission report of the crime as well. My bank, XXXX  XXXX XXXX, then reverse the charge back to PayPal, and PayPal then place the negative balance of {$2200.00} in their In-House Collections department. I reached out to PayPal collections to dispute the charge, but the department refuses to cooperate in an investigation, stating the case is closed and no further action is required ... they just want their money. It appears that PayPal is not taking this Cyber Security Risk and Identity Theft case seriously. I have also had to close several credit cards that were compromised, and I have had to place a Credit Freeze on my 3-Bureau 's credit reports. To date, I still have not been able to speak to a live representative from PayPal to re-open the case and to refund my negative balance. At this point, it is clear that PayPal  refuses to cooperate with a thorough investigation.
Product: Credit reporting or other personal consumer reports

Please see attached credit reports that show XXXXXXXX On every report everything changes for the worst and now I face eviction because the furnisher keeps violating FCRA AND WILLFULLY trying to harm me. Please help me understand how this furnisher from XXXX CONTINUES TO KNOWINGLY CHANGE DATA AFTER EVERYTHING WAS CORRECTED. please see attached documents specifically the XX/XX/XXXX XXXX credit report... Thank you
Product: Checking or savings account

My account was randomly closed on XX/XX/XXXXXXXX XXXX XXXX. I had XXXX in my account. I contacted chime to see will i receive a refund. I spoke to different people who gave me different excuses. Until this day I still have not received a refund!
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : CHILD SUPP XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 and as proof from the XXXX 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

All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''
Product: Debt collection

I asked them to stop We went to court They call twice a day if not more
Product: Credit reporting or other personal consumer reports

I reported the experience that that was done my XXXX
Product: Credit card or prepaid card

I have a credit card from XXXX XXXX and they do not credit my account in a timely manner. I made a payment on my account on XX/XX/XXXX it cleared my bank on XX/XX/XXXX and they did not make the credit available on my card until XX/XX/XXXX. I did not question this very much I just thought that was a standard practice since the account was new. However, when I made another payment on XX/XX/XXXX it cleared my bank on the same day XX/XX/XXXX they will not make the credit available until XX/XX/XXXX. I have contacted them and they say it is to ensure that the payment is not returned. I contacted my bank and they said with things being paid by ACH it is all electronic and that the payments are not returned. I feel that this is very extreme to wait ten days to release the available credit on my account. I am trying to rebuild my credit so if I now close this account it will affect my credit score and I refuse to pay an annual fee for a card that is virtually useless. I am not sure if anything can be done, I feel that this is wrong and needs to be corrected. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

For the past year I have been trying to fix my credit record with XXXX  and also XXXX XXXX XXXX ( XXXX ). I am trying to open a checking account or even a savings account so I can stop utilizing XXXX XXXX  to hold my Money. I have tried every bank I can think of to open one up and was even denied by all the Financial Institutions that offer 2nd chance checking accounts. I have paid for all my past charge offs but the only bank that refuses to take my name off for a past mistake which they consider " suspicious fraud '' is Bank of America. They said even after I paid what they claim I owe them they will not report me in good standing or remove the negative report on XXXX or XXXX. My problem isn't that I have close to $ 100k in my safe that I would like to put in a bank but I can't seem to get any bank to allow me to do so because Bank of America is holding me hostage and unwilling to work with me. Please help as I am willing to even pay double what they claim I owe just to be done with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I paid off 2 Collections from : National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX They informed that they would delete this 2 collections from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

XXXX XXXX : XXXX Account XXXX : XXXX NCAAcct. No : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account No : XXXX NCAAcct. No : XXXX
Product: Student loan

I overpaid my student loan by XXXX and I called edfinancial to to make sure the overpayment will apply to the other loans and it has not applied, and now Im worried that Im going to be charged interest on something that I already paid for. The rep said that she would put an application to get the overpayment dispersed to the other loans but it is still showing the balance on the loans and over payment to the other loans.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Checking or savings account

On XX/XX/XXXX the federal government issued EIP3 payments through direct deposit, I recieved both my EIP1 and EIP2 payments to my correct checking account- but did not receive my EIP3 payment. 


I immediately filed a payment investigation with the Department of Treasury and the Bureau of Fiscal Services. I engaged both Tax Payer Advocate XXXX **** ( Case # ******* ) and Congresswoman XXXX XXXX via XXXX XXXX XXXX as Wells Fargo Executive Offices were unresponsive in completing the payment investigation with these federal agencies. On XX/XX/XXXX I recieved a response in regard to Congressional Inquiry ******** from Wells Fargo Case Specialist B. " Black '' advising that there was no record of EIP3 payment being deposited into my Wells Fargo Checking account ending in ****. This information was not sufficient for the U.S. Department of Treasury and the Bureau of Fiscal Services as they had confirmed that the payment was not deposited into my account ending in ****, but rather deposited into account **** which is completely unrelated to me.

This balance deposited into an alternate account incorrectly, and the amount needs to be recaptured and sent back to the Department of Treasury or the Bureau of Fiscal Services in order for correct payment to be reissued and sent to me. These federal agencies will not reissue payment to me without Wells Fargo 's cooperation in confirming they were sent and successfully deposited to the account in question and then sending the funds back. 


Due to this mistake I have not had access to {$4200.00} in emergency government funds throughout the pandemic. This issue, unless resolved will also create additional problems in the upcoming tax year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed Business Account from Consumer Report/Victim of Identity theft Account : XXXX XXXX I am Victim of fraud. My Information has been sold to the dark web. FTC reported and attached someone has been fraudulently using my identity I Have been trying to contact Transunion regarding fraudulent however I have been unsuccessful reaching them by phone. 

I am writing to formally request the removal of a closed business account from my consumer report ( XXXX ), as permitted by the regulations outlined in the Fair Credit Reporting Act, specifically 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, and 15 U.S.C. 6805. The SBA closed account in question and does not pertain to my personal credit history but rather belongs to a business entity. Both does not belong to me. 

As such, its inclusion in my consumer report is inaccurate and misleading. Per the aforementioned statutes, it is imperative that consumer reports accurately reflect an individual 's credit history, and the inclusion of irrelevant business accounts violates this principle. I kindly request that you promptly investigate this matter and take the necessary steps to remove the aforementioned closed business account from my consumer report. Please provide confirmation of this action once it has been completed. Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Product: Debt collection

Law Offices of Hayt , Hayt & Landau , LLC violated numerous of provisions under the Fair Debt Collection Practices Act in their attempt to collect an alleged debt owed to a national bank from me as a consumer. In good faith I'm extending an pre settlement offer to reduce fees and avoid having to further exercise my consumer rights under the Law in federal court. See attached " pre settlement offer letter '' and " draft complaint '' I intend to proceed with if no settlement is reached in good faith within 7 days upon receipt of notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was place into forbearance last year. I was at the time 30 days late. 
Every month pennymac reported loan as 30 days late, for that month. Lower credit score monthly. I reach out to pennymac ask how to update loan, I received a email extra paining the following. 
That per the cares act when the late payment is as paid XX/XX/XXXX payment the loan would be reporting would be up dated to current in forbearance. 
XX/XX/XXXX received email Made payment and it was posted to account XX/XX/XXXX. 
The supervisor informed me that although the loan was not longer 30 days past due That the loan would still be reported as 30 days late in forbearance. 
I need help my credit score has be reduce to poor.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the account be deleted from my file. 

Additionally this is a business credit card which means it was opened using an EIN number rather than a consumer 's SSN, placing it on a file a willful disregard for the law rather than simply negligence. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ) to name just ONE of the violations.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX  Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the complain XXXX I was told the wrong information was been reported by 3rd party companies but these companies claim that is not true and it is a problem on how Experian is receiving and processing the information. To prove that, they claim the other Credit Bureaus report my name correctly, which is true. 
Experian has not provided any solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.

c. an adverse claim found at UCC 8-105 ( b ).

d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.

e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.

f. violationof18USC1956 - Laundering of monetary instruments.

g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.

h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.

1. violation of Truth and Lending Act Section 1640 ( h ).

J. violations is Anti-trust laws.

k. violation of the Uniform Deceptive Trade Practices Act.

1. violations in bank fraud.

m. violations in wire fraud.

n. violation of the Consumer Credit Cost Disclosure Act.

o. violation of False Advertising.

15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.

15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
Product: Student loan

I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.
Product: Debt collection

Capital one account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.
Product: Credit reporting or other personal consumer reports

The address listed on my credit report is fraudulent. Ive never lived in New York. I also have never created any debt with Fair Collections and Outsourcing.
Product: Mortgage

We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.
Product: Debt collection

We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.
Product: Debt collection

I purchased a used XXXXXXXX XXXX XXXXXXXX vehicle from XXXX that was financed through XXXX XXXX XXXX On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted XXXX XXXX XXXX numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by XXXX XXXX XXXX in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually XXXX XXXX XXXX repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some Jefferson Capital Systems.