23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX. On XX/XX/XXXX I initiated a transaction with my Paypal Credit Account to what I thought was to XXXX XXXX  for tax preparation. The email address is XXXX However, when I sent the payment I typed jXXXX missing a letter. After discovering my mistake I did another transaction to pay XXXX XXXX whos email address was " XXXX '' and then submitted a dispute to get the other payment credited to my account. It was credited on XX/XX/XXXX. ( Bank statement : REF # XXXX ) On XX/XX/XXXX I was also credited another {$120.00} for the incorrect transaction. At this point Paypal has now over-credited my account {$120.00} ( Bank statement : REF # XXXX ) Now on XX/XX/XXXX per bank statement ( REF # XXXX ) it shows where Paypal adjusted my credit account balance to reflect the {$120.00} that was due to Paypal for the double credit. I explained to them the {$120.00} was already paid because it was added onto my credit balance, which at that time my credit cards with Paypal were paid off and had a XXXX balance. In fact the {$120.00} Paypal is referencing, Paypal decided to open a bank account within their company, in my name without my permission, and put a negative balance of {$120.00}. Nothing saying what it's linked to, no transaction or anything just the total of what they claim I owe, and an unauthorized bank account. I advised Paypal of this and shortly thereafter I was booted from paypal online services. Which was why I called Paypal today to get access to my account, because I need my transactions report to get receipt 's of a purchase I made. According to Paypal I was shut out of being able to see my transaction history because of the negative balance they put on the unauthorized bank account. I explained this fact and nobody ever seems concerned, they just repeat the same thing over and over as if they are unwilling to look at their own statements and verify they were paid already. I've called at least ten times and I even wrote a letter to XXXX XXXX XXXX who is maybe a CEO or some high up figure in their company. I got a letter back saying the issue was resolved ( see attachment ) but as we can see that did not happen. I called today on XX/XX/XXXX and was transferred 4 times. A lady from Paypal Credit stated I did not have a balance and she would send me a confirmation letter to my email within 48 hours stating I did not owe on the accounts. I then call back to ask if somehow they could or would communicate to each other that I did not have a balance, but was again told I owed {$120.00} even though I was just told 5 minutes prior I did not have a balance from Paypal Credit Dept. This has been going on for over7 months and every time I reach out to their company I just get transferred around without anyone willing to just look at the statement and see that they already charged me for that amount. I am now being told it was sent to collections 5 months ago but it does not show on my credit report so I could have the debt validated. Please look into this and help get this resolved.
Product: Credit card or prepaid card

On XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with a purchase from XXXX XXXX. In short, the product had substantial defects and was missing parts that made it impossible to build ( this was a toy you had to carefully build before it could be used ). In our letter, we described how we made several attempts to obtain the missing parts from the vendor and asked to return the item for a refund. The vendor never responded to these requests. We disputed the amount of {$75.00} for the items. Chase sent us a form several weeks later requesting additional information, which we filled out completely and submitted back. 

Also on XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with six purchases from XXXX - XXXX. In short, we paid for software assistance however it ended up being a scam and we received none of the services purchased. The vendor verbally threatened me and my business and ceased responding to requests for a refund. We disputed the full amount of {$560.00} for the six purchases. Chase sent us forms several weeks later requesting additional information, but only for two of the six purchases. We filled out the forms completely and submitted them back. 

Today we received letters from Chase regarding these purchases indicating that they " found no evidence of a billing error based on our research and the information available to us. '' However, Chase made no attempt to contact the vendors or verify the claims in our disputes on our behalf. Additionally, the nature of the disputes are so egregious clearly warranting a refund that it is unlikely the vendor would even respond to a dispute if brought to them. Chase is in violation of the XXXX, having made no investigation into our claims.
Product: Debt collection

I recently reviewed my reports and saw this medical collection account furnished. I do not owe this alleged debt. Also i understand under 12 CFR 1022.32 medical information can not be shared, especially without prior consent under 15 U.S.C 1692a.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Phone # XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.

The account listed below should not show a late payment. I called multiple times to make my payment and was told I could not make my payment while my account was under review for an extension. After I was approved and made my payment, they reported it late and refuse to remove it when it was their system that would not allow me to make the payment early. XXXX XXXX  has already been involved in a CFPB complaint in 2019 and was required to pay a penalty of {$200000.00} and {$34000.00} in restitution to all the consumers affected. This is clearly a pattern for XXXX  to take advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I saw several accounts that I was not aware of. I have filed a report with the FTC because know one would do anything.
Product: Debt collection

I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting on XXXX a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
TD 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 reporting, credit repair services, or other personal consumer reports

I was directly impacted by COVID-19 and lost my job at the XXXX XXXX XXXX on XX/XX/XXXX. I applied for Unemployment in the state of Arizona, which I was legally entitled to after being a citizen of Arizona for 13 years. I did not receive a single penny of unemployment until late XX/XX/XXXX, I was financially DESTROYED by lack of proper handling of my legal unemployment claim. I had to borrow money from my retired parents to keep my car from getting repossessed, was forced to sell my house and then had to move across the country to find a new job and try to get back on my feet. I have disputed the payments I could not make due to the global COVID-19 pandemic and the state of Arizona 's massive failure to provide me unemployment in a timely manner. I should not have to suffer financially due to a global crisis and inept state officials. I would like my credit history and report to be adjusted for circumstances outside of my control. Since I am now employed and did finally receive my unemployment I have paid everything I owed and am back on track. I would like my Transunion report to reflect an adjustment of my circumstances. I have disputed and requested disputes be reviewed by Transunion, which has not happened. XXXX had made adjustments, Transunion has not.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have contacted the consumer reporting agency known as Equifax. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on Equifax so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. 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
Product: Credit reporting or other personal consumer reports

The amount was {$710.00} dates contacted XX/XX/XXXX, XX/XX/XXXX and another amount for {$480.00}. Both amounts still remain on credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report and noticed inaccuracies with the XXXX XXXX XXXX account ( Account Number : XXXX ). I disputed this account with Equifax, requesting an investigation. Equifax later verified the account as belonging to me, but the information remains inaccurate. Despite my request for details on how the account was verified under 15 U.S.C. 1681i ( a ) ( 7 ), no clear evidence was provided. These inaccuracies have negatively impacted my credit score and financial standing, and the investigation did not resolve the issue.
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 XXXX 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. 
XXXX XXXX
Product: Mortgage

I submitted an application for a short sale in XXXX XX/XX/XXXX To this date, 15 months later, I have gone through XXXX realtors and XXXX buyers waiting for Wells Fargo to simply submit the information for processing. I submitted all requested documents in XXXX of XX/XX/XXXX. Each month, I would get kicked out of the short sale process just to be put in again and start the process of faxing over again of tax returns, bank statements etc. Each buyer has backed out of the deal and my realtor has confirmed that the buyers have gone elsewhere to purchase. I have had XXXX or XXXX Wells Fargo negotiators, XXXX Home Preservation Specialist and at least XXXX processors. Processors do not return phone calls and nor do Home Preservation Specialist. It took me over three weeks to get a payoff because the XXXX " Team '' would not call me back. My concern is that they are simply trying to wait me out until I quit but I am going to see this out until the end simply because their process is not right.
Product: Debt collection

I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.
Product: Vehicle loan or lease

I have never had such a horrible experience with a company, financial or otherwise. Their incompetence is mind blowing. 

I wanted to pay off an auto loan with 5/3 bank and called CS to make the payment. The outsourced rep told me that she would be able to take care of this for me. But after giving the account number, I was told that I would have to be transferred to the rep that handles the auto loans. OK. I was transferred not less than 4 times, and was finally told that I would have to do it through the online app. We tried to set up an online account but was then prompted to call customer service again. We called customer service, and was told to use the app. I told her about the issues we were having, and she said that we needed to either XXXX XXXX it or wire it from my bank because that was the ONLY way it could be done. I had to call them back 3 different times, because their routing/account information they gave me was incorrect! Finally, the wire went through my bank to theirs. A few days later, I received notification from my bank that the payment I sent to 5/3 bank had been reversed. I wasn't sure what was going on, so I resubmitted my payment to them. Yesterday, they reversed the payment again. We called the bank to ask why. Initially she said that looking at my account, she sees that they only received {$210.00} of the {$220.00} due and that's why it was returned. I told her that was interesting, because 5/3 returned {$220.00} both times. If I had sent you only {$210.00}, why did you send back {$220.00}? ( My bank records back this up, of course ). I told her I'm not sure why she was lying, and asked again why the money was rejected. She then changed her story and said that I should check with my own bank to ask why the money was returned. I asked her, " why would I ask my bank why YOU reversed my payment? '' I asked to speak to a supervisor. She said there were no supervisors available. Shocking. 

The fact that this scam " bank '' is allowed to carry on ANY financial transactions, is criminal. I don't know how they are still in business. And I guess the execs and higher ups are being paid very well, so why should they care about what's happening down here...
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, at XXXX, I received a call that my card had been compromised. The young man on the phone verified with me that he was with Regions by sending me a 6 digit code to my text messages. While on the call he stated he would close my card. He then said there is suspicious activity in my banking mobile app and that he would close that as well for further investigation. While on the phone I began to get thousands of spam email and I checked my account on my mobile banking app and all of my money was still there. When our call dropped, I called XXXX who let me know I was being " spam bombed '' to distract me from what hackers could be doing. Regions called back and He told me I could go to my nearest Regions to pick up my new card. I could not go to the bank on Wednesday so I went on Thursday, that is where I discovered hackers changed my username, password, and phone number to where I could not be alerted as to what they were doing and I could not see it because of all of the spam mail coming through. While on the phone with Regions, hackers moved {$4000.00} out of my savings, into my checkings and spent it all. At the very moment, the Regions desk agent, XXXX, assisted me with filing a claim and disputing the charges as none of the charges were me and they all were repetitive, signifying that they were indeed fraudulent. At that very moment XXXX assisted me with opening a new Checkings and Savings account but left the old one open until my dispute went through so all of my funds could go back but no funds could be taken out. She also discovered the agent over the phone on Tuesday only SUSPENDED my card and did not CLOSE my card. While on the phone with him, every transaction occurred. Had Regions closed my card and mobile banking app like they said, the hackers would not have gotten to my money. On Monday I received a call from Regions because I had put in a survey, they lady on the phone told me they denied my claims to my dispute for my {$4000.00}, I immediately went up to the branch in XXXX XXXX to talk to XXXX who assisted with me calling Fraud Claims Center. Because my case had been closed on Friday, XX/XX/XXXX, I had to reopen my claim. The lady on the phone told me my card had not been closed until Thursday XX/XX/XXXX which is when XXXX closed it. So why wasn't my card closed when the guy on Tuesday called about fraudulent charges?? The lady on the phone reopened my case and wrote down the information I had given her and let me know it would be 5-10 business days before I hear back with a decision. I asked if I could speak to the people who review the cases and she stated they do not speak to the public. I asked for a name and she said she couldn't give me one. All of my savings is gone and in less than 24 hours Regions didn't even thoroughly review THEIR MISTAKE which could have helped to avoid my money being stolen in the first place. 

I have attached screengrabs of the time frame so you all can see I was literally on the phone with Regions WHILE my money was being stolen since my card was not closed and my account was still open.