23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PayPal said there is a pending transaction of XXXX for PayPal Credit and that the PayPal XXXX account is still open. I confirmed on the phone three times the XXXX account is closed. I also confirmed with my bank the transaction has been cleared for several days. I chatted online with PayPal Customer Service for several days and told them this, that both PayPal Credit & PayPal XXXX have been closed. They keep giving me the runaround and I am sick and tired of it. I want my entire PayPal account closed and they refuse so they can keep my money pending to collect interest.

They are already costing me money in monthly identity protection services. The reason I want my entire PayPal account closed and deleted to where I or no one can log in is because of this previous CFPB case # XXXX. My identity was stolen!! 

I want my entire PayPal account closed and deleted so my info can not be stolen. So I or no one can log in ever again. This PayPal relationship is over and done for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} 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
Product: Credit card or prepaid card

On my wifes Santander Ultimate Cash Back Mastercard, 25 unauthorized charges, totaling {$4000.00}, appeared from XX/XX/XXXX to XX/XX/XXXX. These charges are all from XXXX, whose XXXX  accreditation was revoked on XX/XX/XXXX. We have never purchased from the vendor before. Making 25 separate purchases from the same vendor within the 48-hour period is very suspicious and is not something we have done in 17 years with Santander. As soon as we noticed these fraudulent charges, we reported them to Santander Bank. 

Here are some dates and actions taken : XX/XX/XXXX Santander initially gave us temporary credit while investigating. 

XX/XX/XXXX We filed a police report online with XXXX Police Department. 

XX/XX/XXXX We received the first denial letter from Santander without any meaningful explanation. All 25 unauthorized charges were placed back on our account. 

XX/XX/XXXX We received another letter, which is almost the copy of the first denial letter. 

XXXX/XXXX/XXXX Upon our request, Santander provided us with a supporting document ; which seems to support our claim more than their denial of our claim. The buyers e-mail address is not ours, and it even ends with the .ru extension, which indicates that it is based in XXXX XXXX The buyers IP address they provided is not ours. 

XX/XX/XXXX We received the second denial letter after submitting the police report and messages from our local branch supporting our integrity as their clients for over 17 years. 

XX/XX/XXXX The first minimum payment of {$40.00} was made to avoid late fees. 

XX/XX/XXXX The second minimum payment of {$39.00} was made to avoid late fees. 

XX/XX/XXXX The third minimum payment of {$93.00} was made to avoid late fees. 

XX/XX/XXXX We received the third denial letter after our attorney contacted Santander on our behalf. 

XX/XX/XXXX The fourth minimum payment of {$82.00} was made to avoid late fees. 

Please help us! Please feel free to let us know if any further information is needed. We would be happy to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Account # XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # 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 an account without my written instructions
Product: Student loan

I attended a number of colleges and apparently XXXX from University of XXXX which I still do not believe. I owe XXXX in student loans. I have both private and federal loans. I have asked Navient a number of times to forgive all my loans and was told it's in s program which I am only paying interest on my private loans. I am in low income housing, had to apply for medical assistance, food stamps, and not in my career. I question the value of an education, these colleges, and why the Department of Education is handing out all these loans.
Product: Student loan

I consolidated my loans to work towards PSLF and they were transferred to MOHELA on XX/XX/XXXX. I received two separate notices from MOHELA on XX/XX/XXXX both claiming that my employers had not provided signatures or that the signatures were not in the proper form. In their communication, MOHELA did not identify which employers were the cause of the issue or what the proper signature format entailed but nonetheless directed me to go to my employers, obtain the proper signatures in the proper format, and resubmit. 

However, I had already checked on the possibility of PSLF with my old serviced ( FedLoan ) and the missing/improper signature was already a known issue for at least one employer. Thus, when I consolidated and resubmitted the PSLF paperwork I ticked the box indicating that I would have difficulty getting signatures/my employer would refuse to certify. This put the responsibility of obtaining the signature in the proper format on MOHELA. To my knowledge, MOHELA has not called any of my employers or requested any corroborating information ( paystubs, W2s, etc. ).

I would also like to add that it has taken MOHELA nearly nine months to even get this far ( a total of 272 days ). The process of checking for a wet-ink signature or appropriately formatted e-signature should only take a matter of seconds, even if done by hand and not using an automated system. Tracking down employers and getting them to submit proper signatures could take more time, but nothing anywhere near nine months. It is unclear if MOHELA did contact the employers but, assuming they did and the employers still did not submit a proper signature, that further implicates MOHELA in failing to follow Department of Education procedures for servicers of student loans. Borrowers should not be responsible for MOHELA 's failure to clearly communicate, nor should borrowers be expected to have any leverage over employers than MOHELA does. Indeed, because adverse interactions with HR can jeopardize further employment, borrowers have arguably much less leverage.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written consent.

15 U.S.C 1666B : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF EVEREAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

XXXXHilco continues to verify a XXXX debt to XXXX, during the dispute process, that has been reported as fraud. XXXX/Hilco have received XXXX police reports from XXXX & XXXX from XXXX, and have removed their reporting to those credit agencies. The report from XXXX was from XXXX XXXX Police, & XXXX was from XXXX XXXX Police Department. There was fraud on my account with XXXX from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, & XXXX XXXX, XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.
Product: Checking or savings account

XXXX has charger my account for {$180.00} and for {$8.00}. The second charge was refunded but the {$180.00} was not refunded I emails from the stating the charge was refunded Wells Fargo, has not credited my account for the unauthorized charged
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided false credit information to XXXX, XXXX  during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.
Product: Debt collection

I received a letter from Diversified Adjustments a few months ago stating that they took over a debt that I had and to notify them within 30 days for either validation or to make payment arrangements. I immediately took action upon receipt of their letter, and sent them a debt validation letter via certified mail for them to provide more information about this alleged debt. I have receipts showing that my letter was signed for and received by this company. It has been well over 30 days with no response received back from them so I assumed they couldnt verify. However, today, I received an alert on XXXX that they have now flagged my account for collections when they have not provided me any proof for this. I believe this is a total violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Mortgage

I am complaining about constant and unwanted phone calls from Quicken Loans. These loan advisers are trying to encourage me to refinance my loan. I have spoken on several occasions with different representatives about this issue. I have also explained that I am not interested in refinancing my home. Even after these direct statements, I still receive many phone calls ( on one occasion 4 in a single day ). 
Some of the advisers have even said rude words and tried to engage me in verbal debate. This is unprofessional. As a customer I am very upset, and need these calls to stop. 

I feel this is predatory lending 1. Using high pressure sales tactics 2.  They are trying to strip me of my equity although I have told them this is NOT an option that I am interested in.
Product: Checking or savings account

Not sure of dates as I sense had to close that account. But the credit union would rearrange a purchase so they could maximize penalties fees on overdrafts
Product: Credit card or prepaid card

I have filed a cell phone insurance protection claim as my phone was accidentally damaged beyond repair, for my US Bank Blue Cash+ Signature Visa card through XXXX  aka XXXX XXXX XXXX. Claim # XXXX Per Visa/Us Bank, I have provided the administrator with valid copies of recent credit card bills, original purchase receipts, repair receipts, warranty information, as well as screenshots of current replacement phone pricing The claim was denied, then denied again upon appeal, with a reason given of " Thank you for submitting your completed Warranty Manager program claim application. Unfortunately, we are unable to honor your claim due to the following : On the date of loss, Manufacturer 's warranty was still valid. Please contact the manufacturer for further repairs.

This benefit 's coverage mirrors the manufacturer 's coverage. The cause of the claimed product 's failure is not covered by the manufacturer 's warranty ; therefore, your claim is not eligible. '' Per the US Bank cardmember cell phone protection guide website at https : //mycard.usbank.com/GuidetoBenefits my card provides cell phone insurance coverage providing accidental damage coverage where no other applicable insurance or warranty exists to cover the loss. I have no other insurance for this item, and per the manufacturers website at XXXX XXXX XXXX-of-sales, accidental physical damage to the device is specifically excluded from warranty coverage.

Multiple phone calls to US Bank and Visa on XX/XX/20 have specifically referred me back to cardmember services. As of today, XX/XX/20, I have 2 seperate emails as well as verbal confirmation over the phone from XXXX / " Cardmember services '' published customer service number that they will not cover this claim. Further attempts to contact supervisors at all the above named companies have been unfruitful. 

I fully intend to pursue legal remedies should informal contacts with the above named companies continue to be unproductive. A notice of intent to sue / demand letter will be my next step. 

All documents mentioned have been previously provided to Cardmember Services as directed, and will not be attached here ( because they've already been provided and I've spent enough time dealing with this already that I don't feel like attaching all that XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts which has been reported by XXXX XXXX and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.
Product: Money transfer, virtual currency, or money service

am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process has been both unfair and deceptive. Cash App has not complied with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, failing to provide the necessary protections and assistance to resolve fraudulent transactions. 

As a result of these failures, I have experienced significant inconvenience and financial loss. I request appropriate redress for the harm caused and urge your office to investigate these concerns to ensure compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX serveral times and they tell me they do not have my information anymore because it was bought out by XXXX XXXX XXXX  credit card. I paid this amount and it was suppose to be deleted off my credit report. It still shows on my credit report and shows as paid with a zero balance and that the account was charged off and sold to another lender. Neither company will deleted this and update it and both state they can not find my information. This was paid off over two years ago.