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

On XX/XX/2020, I saw an ad on XXXX for a folding picnic table. The price was low and while I was pleasantly surprised by this, I figured my purchase would be safe since I was given the option to pay through PayPal ; it is because of this trust in Paypal that I made the purchase, and you will find that my complaint is with PayPal protecting scammers and not holding up to their promise for consumer protection. The total amount for the purchase was {$26.00}. 

I checked the provided shipping tracking number and it showed the item had arrived from XXXX and had delays in customs, as was to be expected. When I attempted to contact the seller two months later because I had not received my order yet, the link to their website in their confirmation email no longer worked, and for that reason I no longer had the tracking number. I then contacted them through Paypal on XX/XX/2020, and they provided an updated tracking number. This updated tracking number showed that the item had been delivered, but the item that had been delivered ( and that I received ) was a cheap {$10.00} watch ( {$2.00} if you buy it on XXXX ), not a folding picnic table. It is also notable that the envelope in which the watch was shipped had the sender corner torn off ( though through the tracking number on the envelope I was able to backtrack that this was their shipment ). In my conversation with the seller through the PayPal messaging system, I told them that I did not order a watch but rather a folding picnic table, and they said they were sorry and it was a mistake, and that I could return it to them and pay shipping to XXXX myself, or they would offer a 40 % refund. I told them that was not reasonable and I did not order a watch, and I let them know that I would escalate this case with Paypal. I did so, and PayPal notes that when a case is escalated that they will review the messages between the buyer and the seller and make a determination based on what they find. After Paypal 's review, they said that since the tracking number provided showed that [ something ] had been delivered, my case was denied and the case was closed. In the messages with the seller, they never denied that they provided the wrong product, they even admitted this happened. It is clear that PayPal did not review the messages, or worse yet, that they are complicit with scammers ( based on reading comments all over their XXXX page, the latter seems to be the case ). I commented on their XXXX page about my problem and they seemed very polite and helpful in the comments, saying that they wanted to help me and to contact them, but when I messaged them, they replied back once asking for additional information, and they never replied again, even though I sent numerous messages. 

Unfortunately ( and possibly intentionally ) Paypal 's resolution center will not let me see the messages that took place between me and the seller, all it shows is that the case is denied and closed.
Product: Credit card or prepaid card

I made a deposit into my Capital One credit card, {$200.00}, on XX/XX/2020 and this started the problem I now have. I believe that because this deposit was {$1.00} over the limit ( which I later found out and tried to correct ) it created a problem at Capital One for me. The previous month, XX/XX/2020, I made a deposit of {$200.00} with NO problems? Why I wanted to find out? As I did try to get information, it seemed I was getting the run-around from Capital One. So I closed the account ( probably not the best thing I should have done at the time ) and wanted a refund of the deposit. This is where it goes downhill for the next 2-3 weeks. I have been on the phone with Capital One for at least a dozen times + ( just on the phone with them an hour ago ) and once again I get the run-around, bad information, not told things I should have been told, lies and anything else you can think of too. All of this over a {$1.00} too much of a deposit??? I realize that there are procedures, wait times, cycles with credit cards, but this not a professional way to help a Capital One customer at all. I could really use these funds NOW, but I may not until the end of XXXX or the beginning of XXXX? Wow! Any help from CFPB will be greatly appreciated at this time please. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concernsregarding Zelle 's handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my finical institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety
Product: Credit card or prepaid card

I contacted PayPal on the XXXX of XXXX about a stimulus check showing deposited into my account by the IRS and made sure all account numbers were right and PayPal advised me that they couldn't find a deposit in my account but keeps telling me to keep waiting. A lot of people with PayPal cards are having this very same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these inquiries be deleted immediately or else I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries immediately or else I will file litigation : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed 4 unverifiable, invalidated, and inaccurate accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To this day, I have not received verifiable proof these items are accurate. I feel like I'm being taken advantage of and ignored for my disputes. Section 611 ( a ), plainly states that you must investigate and provide who provided the information in dispute, including all relevant information regarding the dispute received by the agency. I am requesting these items be immediately removed from my credit report. As no verifiable proof has been provided, and reporting unverifiable, invalidated, inaccurate, and questionable items in my report. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Chase credit card had one late payment due to illness of mother and called to correct. I have a mortgage checking and savings with over 100,000 and they would not remove it from my credit report causing myself and my child hardships. If it is not removed I will remove my funds and close all accounts.
Product: Credit reporting or other personal consumer reports

The first XXXX XXXX missing payments ( dlinquency ) date should be XX/XX/XXXX. I was put on card delinquency payment plan following none payment in XXXX, XX/XX/XXXX. My card account was in delinquency statues and could not use the credit card starting from XX/XX/XXXX after missing payment in XXXX, XXXX, XXXX. They put me into a delinquency repayment plan started from XX/XX/XXXX, I could not continue the payment plan started in XX/XX/XXXX and they again put me into the dilinquency second payment plan in XX/XX/XXXX after missing payment in XXXX, XXXX and XXXX in XXXX. In summary, the first missing payment ( delinquency ) date was XXXX, XXXX for this account And it should stay in the credit record until XXXX, XXXX. However, XXXX  made an error by determining it will stay in the record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RNT DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Debt collection

On XX/XX/XXXX, I received a voicemail message from a " XXXX XXXX ( sp? ) '' claiming to be the Director of the Board for the Fraud Department of Debt Restoration Services. He stated they have been attempting to contact me for the past five months concerning a pending civil suit against my name and social security number for maliciously attempting to defraud a financial institution for theft of services. He went on to state they will attempt to freeze my assets including any anticipated tax returns, including a wage garnishment. He advised that I should call XXXX ext. XXXX. On XX/XX/XXXX, I received a validation of debt letter from XXXX XXXX on behalf of XXXX XXXX XXXX via email. Please be advised that this complaint is in relation to a prior complaint filed with CFPB XX/XX/XXXX. Refer to Case number : XXXX. XX/XX/XXXX, the Federal Trade Commission filed a permanent injunction and monetary judgment against XXXX XXXX and their entities.
Product: Student loan

I am currently an anesthesiology resident physician at the XXXX XXXX XXXX  XXXX XXXX ( XXXX ). I am asking for your help with a XXXX XXXX XXXX, MOHELA. I have almost {$400000.00} in student loans after medical school and I plan to pay off every XXXX. 

MOHELA provided me with documentation on XX/XX/XXXX that my student loan payment would resume on XX/XX/XXXX. I have documentation from them stating I was placed in the XXXX XXXX XXXX XXXX ( XXXX ) plan after previously being in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ) plan. They said I had been placed in XXXX and my monthly payment would be XXXX. I set-up Auto Debit Payment to be withdrawn from my bank and got a confirmation letter from MOHELA that auto pay had been set-up on XX/XX/XXXX. 

Today, I realized a payment for my student loan had never been taken out of my bank account. I logged into my MOHELA account. MOHELA placed me on forced administrative forbearance on XX/XX/XXXX. I was placed in forbearance without my knowledge or approval. In forbearance I am accumulating over {$2000.00} a month and unable to make a payment that would count towards my XXXX payments for XXXX. 

I called MOHELA and after waiting 2 hours to speak to someone they told me my XXXX plan application is still being processed and until it is processed fully I would remain in forced forbearance. They said it could take until XXXX before my XXXX plan would be processed and I would have to remain in forbearance. 

This is craziness. The XXXX plan guarantees I should never see my balance grow as long as I keep up and make my required payments. My interest is growing fast and I just want to make a monthly payment to start to pay off my huge sum of loan. MOHELA won't allow me to do so. I should not have to pay interest I have already accumulated because of this loan service company. Can you please help me. Is there anything I can do?
Product: Debt collection

PayPal Credit persistently calls my phone at least XXXX times per day, despite me telling them about talking while driving as I am an XXXX and are unreasonably calling and harassing me. After blocking their numbers so that I will not be disturbed or distracted, they use other numbers in order to harass me, even at night. I want this to STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion making them aware that they are reporting inaccurate information on my credit file my public records. So I asked them to do an investigation they satiated they would not block my records due to identity theft or inaccurate information reporting. They stated that they verified the information pertaining to two bankruptcys on my public record, and they the US BANKRUPTCY COURT VERIFIED THIS INFORMATION WITH THEM WHICH WAS NOT TRUE. SO I CONTACTED THE BANKRUPTCY COURT AND THE MANAGER STATED TO ME THAT THEY GIVE KNOW INFORMATION TO CREDIT REPORTING AGENCIES. THEN WENT ON TO STATE THST HE WOULD RESEARCH AND SEND ME A VERIFICATION LETTER WHICH WAS DONE THEY HAVE NO BANKRUPTCY REPORTING IN THEIR DATABASE FOR ME.
Product: Checking or savings account

My name is MXXXX XXXX XXXX XXXX and I have held a Citibank account for a couple of years now. Recently, there has been unauthorized withdrawals, reversals and evident banking calculation errors. I do not have co signers on the account and individuals working for Citibank request entire card numbers, account numbers, my entire social security # XXXX, address and maiden names to FIX their deliberate banking calculation errors. Citibank blames their system and a representative XXXX whom always picks up my line XXXX claims " it's my man, it's my name or starts yelling incessantly, or why is he with you and not me! '' Recently XX/XX/2021 the erratic representative named XXXX picked-up the line for Citibank and reversed {$89.00} for an incidental stay on XX/XX/2021 at an XXXX. XXXX claimed the woman, hence I, was dead. I told XXXX I was not dead and do have an ACTIVE Citibank account. Furthermore, I did not authorize the reversal of the {$89.00} and a woman named XXXX gave me a 21 digit complaint number for account THEFT. Then today XXXX my card was overcharged by {$3.00}. The representative XXXX  and XXXX requested that I provide them sensitive information to gain access to my account. Citibank sent and email stating that XXXX, XXXX, XXXX and XXXX were Citibank frauds. Please help Citibank correct and hire reputable account calculation managers. 
I Ms. XXXX XXXX XXXX # XXXX am currently a guest in XXXX Florida XXXX. My number is XXXX if you would like to reported the fraudulence of XXXX, XXXX, XXXX and XXXX posing as Citibank workers to the federal bureau of investigation or the authorities.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

XX/XX/2021 : I was informed by the credit bureaus that MBA placed a medical debt on my record. 
/////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed certified debt validation / verification letters to both MBA offices, one in XXXX TX and one in XXXX TX XXXX XX/XX/2021 : the letters were received by MBA XXXX XX/XX/2021 : The item was rightfully removed from my credit report. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response from MBA stating that they didnt have sufficient time to investigate the debt and would reach back when they finished the results. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021- XX/XX/2021 : sometime between the aforementioned dates, this item was REINSERTED into my file. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a statement from MBA with a poor excuse for a document that they are trying to pass off as verifiable. There are no signatures, no official paperwork, no hospital paperwork, the page numbering is off, and there are even typos! It is a simple print off of a document that was clearly typed up by someone in their office. Frankly, Im quite offended that they thought I would even accept this. Not to mention, even if this were my information ( which it is not ) this document is clearly in violation of HIPAA. This document goes into very specific medical details about this patient. Lastly, this balance says {$0.00}. MBA, do better! 

Resolution : Permanent deletion of this item. Im filing a CFPB complaint against XXXX for violation of FCRA Section 611 for no notification of re-insertion. Im filing a HIPAA violation against MBA and XXXX XXXX for exposing their patients medical information to a stranger. These are serious violations and all 3 businesses need to be held accountable. Please see attached documents.
Product: Mortgage

I have been making numerous principal curtailment payments. The last such payment of {$100000.00} made on XX/XX/30 was not applied and is not showing anywhere in my account. I have submitted proof of payment from my bank, but the lender/servicer has not as much as acknowledged my request to investigate from XXXX.
Product: Mortgage

Mortgage company failed to pay insurance policy on XX/XX/XXXX {$3600.00} and policy has now been cancelled as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX, Equifax and XXXX  diligent examination of these accounts..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 TD auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote TD auto finance a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.
Product: Credit card or prepaid card

On XXXX XXXX, my husband purchased a {$100.00} Vanilla Gift Card at XXXX XXXX. The next day I went on our insurance website to pay the bill and the card kept getting declined. So I went on VanillaGift.com to check the balance, and it stated that there is a pending online transaction at XXXX. My husband called the number on the back of the card, the customer service representive said to wait XXXX. Which we did, and got the same response. We have contacted the company a bunch of times, and nothing is getting resolved. I have sent a letter and an email to Incomm Inc about this issue. I am XXXX and on a fixed income. Please help us. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/2023, I received an email from XXXX XXXX XXXX telling me that I had applied for a new credit card. At the same time, I received several alerts that there was a new hard inquiry on my Experian credit report. Alleged the hard inquiry was made by XXXX XXXX XXXX. 

Today I contacted XXXX XXXX XXXX by phone. XXXX XXXX XXXX denies that they accessed my credit report yesterday and also denies that I applied for a new card. 

Then I called Experian to report the fraudulent activity. Experian told me to file a report at XXXX. XXXX referred me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I closed my XXXX XXXX Bank account # XXXX, my balance was under {$200.00} and my limit was {$300.00}, they have now sold the account to LVNV Funding LLC account # XXXX showing a diffrerent amount of {$880.00} and a different account #, I have tried resolving this account with them and the credit bureaus but no one seems to be able to help me clear up this rip off collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life.
Thank you