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

There were 4 charges on my PayPal account to the same person using 3 of my cards that were saved on PayPal. I did not authorize these charges, certainly not sending money using credit cards. I do not know the person that I allegedly sent money to. 

I submitted a PayPal claim stating such, and it was denied and closed in a matter of hours. They claimed that they did not see evidence of it being unauthorized, even though I am claiming and TELLING them I did not authorize those charges. 

I have tried to get in touch with their customer service only to be greeted by robots and when asked to speak to an agent another automated message states they can not take my call and hang up. I have called all 3 customer service numbers. I was able to speak to an agent after being on hold for over an hour, for her to transfer me to a dead end and my call was dropped. 

I have messaged the askpaypal XXXX account with no answer. Messages their XXXX with no answer. As well as PayPals own message center multiple times with no answer. 

I have emailed them as well regarding the claim for {$470.00}, with no answer.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit card or prepaid card

Synchrony Bank closed my account, stating I had late payments, to which I have not. On your credit report a late payment is a payment 30 days or more overdue. My statements will show I have NO late payments. 
Now they are trying to charge me a late fee of {$29.00} saying my payment was 2 days late. 
There is NOTHING in the disclosure stating anything about a late fee. 
I am tired of being harassed by this company, this is unfair practice and bullying You can see by the statements I have attached there has never been a late payment, they are doing this to justify closing my account for no reason. I will get a lawyer if this is not resolved!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Product: Credit card or prepaid card

In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.
Product: Credit card

Kindly review the attached documents. I request the bureau to initiate an investigation on these accounts, as I am never late, but they are erroneously reported as such.
Product: Mortgage

We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I RECIEVE MY CREDIT REPORT AND SAW ACCOUNTS THAT DID NOT BELONG TO ME. I CONTACTED THE BUREAUS AND XXXX SAID THAT THEY VALIDATED THAT THE ACCOUNTS BELONG TO ME .ACCORDING TO THE LAW THEY SUPPOSED TO SEND ME THE ORIGINAL DOCUMENTS THAT OPEN UP THOSE ACCOUNTS AND THEY DIDNT BECAUSE I DIDNT OPEN THEM UP AND IAM SUFFERING FROM SOMEONE ELSE HARM.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute inaccuracies reported on my credit report regarding my account with XXXX  XXXX Bank. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that you investigate the matter, verify the information, and correct any discrepancies. The specific account details in question are as follows : - Creditor Name : XXXX XXXX Bank - Account XXXX - Nature of Dispute : Inaccuracies in payment history, account utilization, and delinquency reporting. 

Specific Issues : 1. Payment History Accuracy : - The report indicates that I have made 73 % of payments on time, but no detailed payment history is shown for specific months. The status indicates " Current '' as of XX/XX/XXXX, with no past-due amounts, which contradicts any delinquency claims. 

2. Worst Payment Status : - The report shows 3 instances of being 30 days late and 1 instance of being 60 days late, but no specific dates or verification of these occurrences are provided. This vague and unverifiable reporting negatively impacts my credit score and should be corrected. 

3. Utilization Reporting Error : - The reported utilization of 105 % is inaccurate. The credit limit is {$300.00}, and the balance is listed as {$310.00}, which does not justify exceeding 100 % utilization without further clarification. 

Violations of the FCRA : Under the FCRA, you are required to ensure the accuracy and completeness of the information reported : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The inconsistencies and lack of clarity in the reporting violate this provision. 
- 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, you are obligated to conduct a thorough reinvestigation and provide evidence to substantiate the reported information.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If information can not be verified, it must be corrected or deleted from my report.

Requested Actions : 1. Conduct a full reinvestigation into the accuracy of the reported payment history, utilization, and delinquency claims for this account.

2. Provide verification of the reported payment delinquencies, including specific dates and amounts. If the information can not be verified, I request that it be removed from my credit file.

3. Correct the utilization reporting error and reflect accurate credit usage data.

4. Provide me with a written summary of your findings and an updated credit report. 

If the inaccuracies are not resolved within the legally mandated 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

We believe there are funds that have been misappropriated and we have tried calling PennyMac several times to get it resolved. We are disputing the negative balance that they say we currently have in our escrow account. We had funds disbursed from our escrow account on XX/XX/XXXX for County Taxes and on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ). We understand that these are our property taxes for XXXX, but then we were charged again on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ) and on XX/XX/XXXX for County Taxes. These charges are for the XXXX taxes as well. We have basically been charged twice for our XXXX taxes. PennyMac failed to make our tax payments on time to our county and MUD because we received letters from them in early XXXX. We contacted PennyMac numerous times between XXXX and XXXX of XXXX to let them know that they did not pay the county/MUD taxes and it took until XXXX and XXXX of XXXX for them to pay it, and we had no idea that they were actually charging us twice instead of using the funds they pulled from our escrow in XXXX of XXXX. 

We did not realize this misappropriation until we received an Escrow Analysis in XXXX of XXXX that we would be paying {$1300.00} more per month to make up the difference. When we recently called PennyMac concerning this, we were told that our taxes went up for XXXX and we owed more and thats why they took out more in XX/XX/XXXX and XX/XX/XXXX. However, when we looked on XXXX XXXX Countys website and the XXXX XXXX County MUD No. XXXX website they only charged us for the amounts PennyMac paid in XX/XX/XXXX and XX/XX/XXXX. From XXXX XXXX County 's perspective, there is NO RECORD of the amounts PennyMac took out of our escrow account in XXXX of XXXX. We have know idea where this money was distributed or why it was removed. Also, we don't understand why we are just now finding out about this. 

After making several phone calls at the beginning of XXXX and getting zero help, on Monday, XX/XX/XXXX, we spoke with XXXX XXXX ( PennyMac ) who tried to help us, but told us that we were being charged more for our XXXX taxes, which we know now is not true from the receipts from our county and MUD. After speaking with a Tax Specialist at PennyMac, she was supposed to get back with us with an answer on this. She called once and we missed the call. We called back only to find out that the ticket had been closed on this complaint and they could not transfer us to XXXX. 

Yesterday, XX/XX/XXXX, we sent PennyMac LLC a complaint letter and documentation of this issue via certified mail. 

On their website, they claim that their commitment to their customers is to be accountable, reliable, and ethical and we feel as though they have failed us in all three of these categories. 

We would love any help you could also provide us in resolving this issue.
Product: Mortgage

Bank of America Home Loan Servicing transferred servicing of my loan XXXX with a XXXX balance to XXXX 
After receipt of the transfer, XXXX claimed the loan was more than {$80000.00} past due. I have been disputing this debt since the alleged transfer. 

Bank of America in the capacity as servicer for the XXXX executed a trustee 's deed on XXXX XXXX, XXXX memorializing a completed foreclosure sale. 

I 've been litigating with Bank of America and XXXX since XXXX XXXX, XXXX. The lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, two years after the completed foreclosure sale, the trustee recorded a document entitled " Rescission of Substitute Trustee 's Sale and Cancellation of Substitute Trustee 's Deed ''. THIS DOCUMENT DID NOT REINSTATE THE LOAN. I HAVE NOT EXECUTED ANY AGREEMENTS TO REINSTATE THE LOAN. 

There had not been any collection activity on the loan between XXXX XXXX, XXXX ( foreclosure sale date ) and XXXX XXXX ( the date of transfer to XXXX ).
Product: Credit card or prepaid card

First of all, I received a certified letter sent from Paypal Credit Card with the month of XX/XX/XXXX 's monthly statement in it with my name as the customer, but I never ordered Paypal 's credit card ever and have never owned one. The following is data from the statement : Paypal ID XXXX / Credit Access Line {$1000.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$35.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase XXXX XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase on Amazon ID ( XXXX ) {$32.00} XX/XX/XXXX Purchase Online XXXX  Gift Card {$49.00} XX/XX/XXXX Purchase XXXX  XXXX {$56.00} XX/XX/XXXX Payment made on XXXX ID ( XXXX ) {$44.00} XX/XX/XXXX Deposit on XXXX ID ( XXXX ) {$23.00} XX/XX/XXXX Purchase XXXX  Gift Card ID ( XXXX ) {$89.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} Total Amount {$440.00} I have this statement and have let both the XXXX Sherriff 's Office and the Federal Trade Commission know that my identity has been stolen, and fraud committed, this I solemnly do swear this date XX/XX/XXXX.
Product: Debt collection

On XX/XX/2018 I paid the balance in full of {$66.00}. They also mentioned they would remove this debt from my XXXX XXXX credit report within 30-45 days. This never happened, and I have just noticed that one year later it is still on my credit report report reporting as an unpaid collection. Please, remove this debt immediately off of my credit report since this is what they promised me. I spoke with XXXX XXXX at XXXX on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I disputed a Bankruptcy reporting on my Experian and XXXX Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to Experian and XXXX confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This company is operating in identity fraud and security fraud plus admitting they purchased a contract with another another company which has absolutely nothing to do with me. Im not paying this company or Im sending a XXXX XXXX to the President for causing harm
Product: Debt collection

I moved out of my apartment managed by XXXX in 2XXXX submitted my lease termination paperwork along with my military orders specifying my transfer to Washington state. I handed in the paperwork, as well as emailed it multiple times. And yet they claim it was never received. I have attached emails proving it was received. Then Jefferson Capital began harassing me. Calling me early in the morning, multiple times throughout the day while I was working. I asked them to please send me proof of this debt in the mail to the address listed on file ( which they had because they also sent many letters demanding money but with no proof of the debt actually being owed ) and the man on the phone said thats not how this works and then told me if I want to the calls to stop to pay the debt, whether is owed it or not. It is impacting my credit score, and is mentally taxing.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

XXXX XXXX XXXX has access to very sensitive personal information without permissible use or written authorization from me, the consumer. They are not licensed to collect a debt in my state or have reasonable purpose to contact me about an alleged debt. 
Cease and Desist further reporting of the following accounts. Remove this account from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THIS ACCOUNT TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 

XXXX XXXX XXXX XX/XX/year> Acct : XXXX The " debt validating '' paperwork sent to me was not SPECIFICALLY in alignment with 15 USC 1692g. Held no actual proof this is a valid debt owed by me. 

DO NOT SHARE MY PERSONAL INFORMATION WITH THIS COMPANY!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 
The following inquiries were made without my consent and needs to be removed immediately 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: Credit card or prepaid card

On XX/XX/2022 I ordered food at XXXX XXXX in XXXX, Indiana. I paid for by mi CITI VISA CARD. When I went to my hotel room I realized that one out of three items I ordered and paid for was not present in the bag that was clipped shut. I did not open the bag to check and trusted them. I then call XXXX XXXX and complained. I also talked to manager. She will not deliver the missing item or reverse the credit card charge. She wanted me to drive back to XXXX XXXX to pick up the missing item. I protested, saying that it is not fair to customer to pay the price by driving, paying for gas used and wasting time to fix their mistake. She did not care. 
I disputed charge with CITI. Their response was to send me a signed receipt of my transaction, and closing the case in merchants favor. 
In no communication they have mentioned my version. When a merchant does not deliver as promised it is fraud. CITI has responsibility to protect me from fraud and not shield the merchant.
Product: Credit reporting

I submitted a dispute with Experian, for the last year they have been sending me letters saying they will not investigate the accounts that are wrong. I called them and asked them why they had not specific reason and then denied me from disputing over the phone. I also told them that there were inquires backed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX that were listed that i did not approve, insurance, utilities and credit being that i have lived at my address for over 10 years. I tried to contact the creditors as i was told with no response as well.