23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

I recently used the Paypal service to make a payment to XXXX the online XXXX service. XXXX is a free service, but offered an upgraded membership with different pricing options. I chose '1 Month ' for {$19.00}. Instead of 1 month, I was signed up for monthly auto-billing against my will. I looked this up online and found this complaint is VERY common. I contacted paypal, told them I did not sign up for auto-billing, and requested a refund for the entire thing : XXXX and XXXX. I requested both months because I did not sign up for auto-billing, thus, never got what I paid for at all. I now have to spend hours filing complaints and talking to customer service just to get money back I never agreed to spend. Paypal must know this kind of thing happens all the time with XXXX, and is clearly ignoring it for the processing fees. When I contacted Paypal, they said they refunded it as a courtesy. They actually were referring to an earlier and separate issue, and never issued the refund requested. I do n't see how tricking someone into trying a service so you can access their bank account to take more money then you are owed on a mass scale is not Grand Theft/Fraud, please someone explain.
Product: Credit reporting

Account XXXX/XXXX Account # XXXX was closed on XX/XX/XXXX because of non payment from prior marriage. The company claims last payment to be XX/XX/XXXX which I believe is date sold to collection company not my last payment date. My last paid date was prior to XX/XX/XXXX and should not be on credit report because statute of limitations. I have disputed this with all XXXX bureaus and Transunion is the last to not remove this derogatory. I would like the proof from XXXX/XXXX as to there claim of a XX/XX/XXXX payment which I assure is incorrect and not a generic response from Transunion. This derogatory is hurting my ability to acquire home loan. The statute of limitations has run out and should be deleted. please investigate the issue. 

thanks XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take. 

It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.
Product: Credit reporting or other personal consumer reports

On 2019 I informed credit acceptance of the flood damage vehicles which were being sold at XXXX XXXX XXXX XXXX XXXX Due to the fraudulent business the original furnisher of the account XXXX XXXXXXXX XXXX XXXX is no longer in business due to FRAUD
Product: Debt collection

On XX/XX/2019, I received three letters claiming I owe money from cashed checks at XXXX and XXXX located in XXXX, MI. I responded with a request for debt validation and cease and desist request on XX/XX/2019 sent through certified mail with return receipt. On XX/XX/2019, I received a response with copy of receipts and no proof of right to collect debt or any information tying me to the debt. The information provided does not prove that this is a valid debt or that i am responsible for it. The company continues to harass myself asking for my bank information, driver license, and other personal information. I refuse to provide any personal information and believe they are committing fraudulent activities. I do not owe this debt, there is nothing tying to this debt, and I have never been in the location they claim the check was written and cashed. I have called my banks to verify if there has been any fraudulent activity from a checking perspective and none has been noted. There is no record of me trying to purchase anything at these location and there is proof I was not there during the time of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax, today XX/XX/19, and spoke to agent XXXX. He lied to me and told me that I had to buy a product to update information in my 7 year, extended security alert and order my full credit report. Then he told me I misunderstood him, trying to convince me further of his lie, when I balked at this blatant lie. I spoke with supervisor XXXX, who also refused to assist me with the process. I was denied access to my full report, given no resources to obtain it, and told I had to incur further expenses mailing things into Equifax or faxing more things to them. I'm tired of being ripped off and nickel and dimed on fees and expenses to straighten these issues out that were caused by this company exposing my data. I won't be further extorted of my money. I want an accessible way to update my information and keep my personal information safe which Equifax has failed to do. Frankly they don't know the first thing about any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands.
Product: Checking or savings account

Wells Fargo opened another checking account under my name without my permission. This happening a few months ago - I am not sure on exact date. They have been charging me $ XXXX/month if the account does not have {$1500.00} in it. I already have a primary checking account with them ( that I will be closing and taking elsewhere ) so this did not make any sense to me and I received no forewarning by means of letter or phone call prior to this account being added. When I called - they told me they were transferring my savings into this account - again with no explanation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have disputed credit report errors multiple times and nothing was fixed and remained the same far as my personal information, addresses, companies and even payment history
Product: Credit card

In effort to pay off a credit card debit with Discover, my wife and I have encountered several unnecessary frustrations and complications with Discover. We had over paid the account and wanted to be refunded that amount. This course of action has taken two months to occur. I wanted the money deposited into my wife 's checking account, which they reported was fine, but then later reported that they were not able to comply with that request. Over time, the refund was permitted, we initially requested the amount to be transferred back and it was agreed that the money would be transferred to an account on file, which was not an account belonging to my household. Discover was not aware of the account that they were refunding the account to and provided little information in its resolution. After constant delays I had requested that a check be sent via mail. Discover reported that this was fine. After calling them again, I was informed, without my constant, that they will be sending the funds through a third party, which would deposit the money back on to the initial funding resource. This is not what was requested and it ultimately wastes money, time and effort. Once deposit back to the account in which it came from, I can not use that money to pay off other debit that the money was intended for. When I asked the supervisor to contact the banking division of the company to have this corrected, I was told that they are unable to contact them by phone and had to be e-mail. Once Discover returned my phone call, they reported that the initial request was made and that the funds were transferred back to the account, despite the number of phone calls that were made between Discover XXXX with different individuals ) and myself through the course of several weeks. As of right now, it was told to me that mailing a check was never truly an option and this decision was made on the XXXX of XXXX. No one confirmed and this was told to me after talking to XXXX customer service supervisors and a loan specialist. However, the interest charged on my other account continued to grow while waiting for Discover to make a decision, communicate that decision, and execute that decision. If this statement was made initially, I would have been frustrated, but this issue has now surpassed customer neglect/abuse or at the very least, extreme poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 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 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 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing and of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 168s-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 or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding a collection account that remains on my credit report. I have disputed this account multiple times, and it is extremely disappointing that this collection has not been removed despite being both invalid and inaccurate.
Product: Mortgage

A fraudulent signature document was used to obtain USAA mortgage loan lender number XXXX from USAA Federal Savings Bank XXXX XXXX. A limited Power of Attorney was given to my then husband XXXX XX/XX/XXXX ) from whom I am now separated since XX/XX/XXXX. I just found the documents that show how our ( XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX ) marital home was placed in his name exclusively and then went from HUD loan to XXXX XXXX XXXX while I was under the impression that the house was being refinanced in both names. This is what my limited POA provided for. Although married to XXXX XXXX XXXX, the loan application completed by XXXX XXXX XXXX # XXXX, only completed Request for Transcript XXXX Return for XXXX XXXX. I was however required to produce my income information at some point in the process so it is quite apparent that he was married. This HUD to USAA mortgage is not recorded to secret the transaction. The Uniform Residential Loan Application indicated that the purpose of the loan was for cash out and it is represented that the loan amount is more than the expected refinance. Also, from what I can see XXXX XXXX has allotment from his military pension for the mortgage to be paid but the USAA mortgage statement indicates this is a reverse mortgage although he is not qualified and not age 62. 

USAA 's Mortgage Loan Originator XXXX XXXX also known as XXXX XXXX has used her position at USAA to commit mortgage XXXX while a paramour with my husband. There is an improperly photocopied signature page with my name that he has been using for these kinds of transactions. The one I found has no date and a signature of a notary without any details of who this person is. Currently, our SC XXXX is indicating that it is owned by XXXX XXXX. This is mortgage XXXX. USAA has been uncooperative and obstructs my attempts to obtain any financial records including my own since XXXX. Because of the extra-marital affair as a measure of the influence of their administrative team, intentional harassment has occurred through various actions they have taken against me, which include denial of access to my own account and spontaneously change the manner in which I can make payments of auto loan and credit card accounts still in effect. Selectively, they have refused to take action against XXXX XXXX when this first started as he informed them what he was not going to do as it relates to the joint auto loan. What primary loan borrower can designate that to a creditor? 
Additionally, about the same time, there's another mortgage equity loan on our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida property that show 's XXXX XXXX '' mother as a co-borrower with SS # ending XXXX. His mother XXXX XXXX died XX/XX/XXXX, in XXXX, XXXX XXXX and I informed the XXXX XXXX probate court of her death XX/XX/XXXX when I found altered Will as well as a fraudulent Will.
Product: Credit reporting or other personal consumer reports

REMOVED THESE ACCOUNTS THEY ARE PAID IN FULL AND OR i AM NOT RESPONSIBLE i SENT ID AND POLICE REPORTS MANY TIMES I ALSO SENT CERT MAIL I HAVE PROOF XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX  Account number XXXX AND XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual
Product: Debt collection

I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Wells Fargo for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue.

Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX  ) XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX  XXXX : # XXXX : Balance : {$320.00} | Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.
Product: Checking or savings account

XXXX ) On XXXX XXXX I opened an account with Etrade at which time I deposited a royalty check in the amount of {$4000.00} ; XXXX ) On XX/XX/year>, I attempted to navigate the account and my account was closed without reasoning ; 3 ) I contacted Etrade immediately and was told to arrange a call with my issuing bank, I did that and was then instructed to have the bank " recall '' the check.

4 ) The bank informed me that the check was already cashed and cleared and could not be recalled ; 5 ) Etrade  has continuously given me different task i.e. submitting dln, Social Security card.

6 ) I cooperated and was given improvised reasoning as to why my funds were not returned to me ; 7 ) I have been mistreated and unduly punished by Etrade for improvised reasoning ; 8 ) I am reaching out because Etrade has been unreasonable and hostile towards me.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Product: Debt collection

They are calling daily demanding payment on something I know nothing about. I do n't know what ERC is or why I 'm being harassed.
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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.