23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX AM I added {$250.00} cash to my PayPal cash card at a Dollar Tree located at XXXX XXXX XXXX XXXX, NY ... Then I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY, and made a purchase for the amount of {$180.00} at XXXX PM on XX/XX/XXXX. At XXXX PM while sitting at HOME I received a notification from PayPal stating that an ATM withdrawal for the amount of {$73.00} was removed from my card at BEST XXXX XXXX XXXX XXXX XXXX, NY XXXX I DID NOT MAKE THIS TRANSACTION!!!! 
NO ONE HAD MY AUTHORIZATION TO MAKE THIS TRANSACTION!!!!!!! 
MY CARD WAS STILL IN MY PURSE WHEN THIS TRANSACTION TRANSPIRED!!!!!!!!!! 

At XXXX PM I called PayPal to report this unauthorized transaction! I was told by my card is being canceled, and the transaction will be investigated. 
On XX/XX/XXXX I received a message from PayPal stating that my claim was denied. 
I then call back and was told, I need additional documentation to prove that I did not make the transaction. 
On XX/XX/XXXX I filed a police report. I contacted PayPal I spoke to a representative letting them know that I filed a police report. I was sent instructions on how to appeal the case in my personal inbox with PayPal. after following the instructions, I was still unable to appeal my case so I called in again!! I explained to him what the prior representative told me to do, and was told that I need not do anything he will take care of everything. 
On XX/XX/XXXX I received a notification from PayPal denying my claim again!!!! 
I called in AGAIN spoke to a representative that sent a link in my private message box to upload my police report and stated it will be used to appeal my case!!!!! I uploaded the XXXX XXXX XXXX Confirmation on XX/XX/XXXX. 
But XX/XX/XXXX I received a call from a PayPal representative stating that a police report will not be accepted as verification!!!!!!!!! 
I told her what was told to me by the prior representative, and to check the messenge box to see the message of the prior representative. She repeated that a police report is not sufficient, I sent me a message in the same message box which all the other representatives have sent me messages about my claim!!!!! 

After being with PayPal for eight years without any issues I am getting the runaround, without any type of HELP to SOLVE this FRAUDULENT PROBLEM!!!!!!!!!!!! 

I can provide documented proof of everything that I have stated in my complaint!!!! 

PLEASE HELP!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

The company agreed to delete a 30 day late payment from my credit bureaus but didn't the closed my card i have a zero balance it supposed to be paid never late
Product: Credit reporting or other personal consumer reports

Dearest CFPB, I badly needed your help!

I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning inaccurate accounts. Despite XXXX deleting these accounts from my credit report last year, both TransUnion and XXXX have yet to take similar actions. 

It is upsetting and baffling that different credit bureaus are making varied decisions on what accounts to remove or retain. I believed that if they source information from a single furnisher, their actions should be unified. I request urgent attention to rectify these discrepancies and ensure a consistent and accurate representation of my credit history across all bureaus.
Product: Debt collection

On XXXX, I received a call from XXXX @ XXXX XXXX XXXX. They stated that I owe a debt with XXXX, which I did not deny. The initial loan was for XXXX and they asked me to make them an offer. I was initially told that I could make a monthly payment arrangement. I told them I could pay them XXXX by XXXX XXXX to resolve the debt. This was not acceptable so he connected me with a Supervisor ( can not recall her name ). We went back and forth with her threatening me with wage garnishment unless I pay XXXX by the end of the month. I told her that XXXX has not even filed papers to sue me and there has been no judgment filed against me ; I knew that was false. She got disgusted and told me to hold on. I was at work and could not hang on and hung up. Then I got a call ( same day ) from XXXX XXXX saying he was another Supervisor and to please call back before they send over the garnishment to my employer. On XXXX, XXXX called again and I reiterated what I was willing to pay. He immediately put me on with XXXX who said that my offer was too low and told me I had to pay at least half the debt of XXXX by the end of the month. I told them to send the judgment and I was done and to not call me any more. They called me 4 more times in a row, twice from a XXXX number and twice from a private number. This debtor has never sent me a letter in the mail or contacted me before yesterday.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of an apartment in XX/XX/XXXX the property manager told me she worked it out so we could move out. Reason she done that is because we signed a contract living in an upstairs apartment, then i was in a XXXX XXXX  on XX/XX/XXXX that put me into a XXXX so she moved us downstairs as i could not XXXX XXXX XXXX XXXX XXXX XXXX. We moved out & then a few months later i go a letter saying i owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}... I called the property manager i told her about it & she just stated they do what they want just pay it! Now they have sold my information to a collections agency called Hunter Warfield INC & they keep calling me telling me i need to pay or they will take further action! Its illegal for them to have my information when i did not sign no contract with them & i do not owe anything to XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$5600.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$5000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$1900.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$1500.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting full deletion of this account from my credit reports from the consumer reporting agencies to make me whole, and to account for the negative impacts this incorrect reporting has had on my credit score. XXXX XXXXXXXX is very aware that they are verifying inaccuracies concerning this account to the consumer reporting agencies which is illegal. I am also concerned that XXXX XXXX can verify any information they feel is right and none of the consumer reporting agencies have conducted a full and proper investigation into the account to ensure they are reporting accurate information on my credit report. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.
Product: Credit card or prepaid card

XXXX opened BofA XXXX pre paid account in XXXX XXXX For my XXXX payments. Everything was working fine, I was able to transfer funds into my normal accounts until ; XX/XX/XXXX - I tried to transfer XXXX XXXX  online and a message appeared stating unable to complete & to try again later XX/XX/XXXX, Called BofA and was told XXXX XXXX can only be transferred once every 7days. 
XX/XX/XXXX - Went to BofA online again to complete the transfer but to my surprise, I saw a XXXX XXXX  was already transferred & I thought maybe the funds may have went through, XX/XX/XXXX - XXXX checked the account where it was supposed to go which is to my XXXX XXXX checking but no funds were transferred into that account. 
XX/XX/XXXX - I filed a claim for fraud with Bof A since I did not receive that {$5000.00} funds supposedly transfer to XXXX XXXX checking. 
BofA showed a transfer on XX/XX/XXXX. Existing card was blocked & was provided a new one XX/XX/XXXX - I received the new card from B of A and re-activated it. 
XX/XX/XXXX - Checked online account again and found {$3300.00} was transferred again without my consent. Talked to a BofA XXXX and opened a XXXX claim. 

I have since requested a hard check from XXXX via mail & not using the BofA account any longer and have not activated the the latest XXXX  debit card. 
I have been trying since XXXX of XXXX to resolve this issue and as of the current time it is still ongoing. Bank of America has continually insisted I had made these transfers and will not tell me where funds were sent and denied and closed my fraudulent claim cases. I have lost total of {$8300.00} and with limited income this is a very serious issue, I have heard I am not the only one with Fraudulent activities for a XXXX  card issued by XXXX to BofA. I will continue to try to recover my funds from BofA using whatever legal means possible and this is why I am filing this with the CFPB and also working with XXXX XXXX to try and resolve this issue which is still ongoing at this time.
Product: Vehicle loan or lease

Santander Finance out of XXXX, Va. lased a vehicle under my wife 's maiden name to a XXXX XXXX in XXXX, sold the vehicle and now is trying to sue my wife for the amount loaned out for the vehicle.After investigating, findings concluded that the vehicle was illegally obtained by XXXX XXXX. Santander Finance company sold a XXXX XXXX XXXX to a person that had/has no drivers license nor job at the time of the sale of the vehicle.When confronted about the vehicle and it 's whereabouts, the legal firm of XXXX XXXX XXXX located in XXXX, Va.representing this finance company stated : the vehicle has been sold and the funds were directed to Santander finance company.We are now in lue of trying to mitigate this debt through the courts.
Product: Credit reporting or other personal consumer reports

Whatever you do in my previous complaints that I filed with y'all XXXX XXXX and Equifax all three failed to remove the disputed items from my credit reports I filed complaints with y'all in the past about this but they still have not removed the information from my account that's not accurate I have file complaints with all three bureaus we go and all they did was come up with more excuses why so basically they just responded to y'alls request and ignored the problem at hand with my credit report so can somebody please make sure they remove the items from my credit report this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CCB/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I was applying for a mortgage online spoke to loan officer, who discussed verbally the rates of interest, but never verbally discussed the points they were charging. He said it was compay policy, in this case Quicken loans. While I believe there was written disclosure, the lack of discussion tricked me into believing that there would be no points. By the time I saw the closing docs it was too late and I had to proceed.. 
When discussing a mortgage with a prospective client, I believe that it 's imperative that mortgage officers verbally discus rates as well as points, a {$1500.00} charge on a {$120000.00} mortgage that I did not want to pay. I felt it was sleazy and disengenuos for not mentioning this in our discussions.
Product: Mortgage

My mortgage company XXXX XXXX XXXX XXXX sold my loan to Freedom Mortgage. At the very of end XX/XX/XXXX and throughout the month of XX/XX/XXXX I received at least 2-3 pieces of mail and 2-3 emails from NYCB alerting me of this change. I did not receive a single email from Freedom Mortgage and only received my new loan number in the mail from Freedom less than 10 days before my first payment was due ; the paperwork we received was printed/dated XX/XX/XXXX. Besides being illegal, this is not good business practices and thank goodness I 'm web savvy and could still create my new account and get my mortgage paid when it was due. This was an incredibly frustrating experience wondering if Freedom would get me my information in time. I attempted to create a new account on the Freedom website, but was unable to since I had not yet received my new loan number. Compounding this issue, XXXX in the middle of the transfer alerted me that we had an escrow shortage, but I could not resolve that after XX/XX/XXXX according to XXXX because all new payments should be directed to Freedom. Please let me know how this will be remedied as this was a very poor customer experience.
Product: Credit reporting or other personal consumer reports

In XXXX, I surrendered my license to XXXX XXXX in California. That automatically put me on the Office of the Inspector General, the State of California, and the State of Michigan 's automatic exclusions list. After five years I was removed from the OIG list, and recently I checked the online lists for the respective States. I was not on those lists. I should not be on those lists. This is outdated information. I wrote hard copy letters to each State asking to be removed from any lists and never heard back. Now this is coming up again in my background check for a new job that I desperately need. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

I was XXXX  at the time of all transactions. 

My consumer credit report has details that is the result of identity theft. I didn't give written permission or directions for identification transactions to be put on my consumer credit report. I'm asking that this information be blocked and that it be removed. My request to block isn't being made in error, and it isn't being made because I lied about a fact that is important to the request to block the identified transactions. The recognized transactions have nothing to do with any transactions I, as a consumer, have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX XXXX account # XXXX Name of company : XXXX XXXX account # XXXX
Product: Mortgage

For 11 years I have been trying to help with my mortgage I'm currently in. It is a fluctuating mortgage started with " XXXX  XXXX XXXX  '' which never worked with us then sold to " Bank of America '' who now is our mortgage lender. 
They will not issue us a fixed affordable mortgage rate. The loan was originally {$190000.00}. + a {$50000.00} balloon mortgage. ( which at the time I was lucky enough to pay off the balloon mortgage ) Currently because we tried fixing this with them, they increased the loan to approx. {$210000.00}. That's the help they gave us to put me more in debt. I'm currently at almost 7 % on my rate. The home is now valued at around {$110000.00} and is decreasing more and more in value over the years. Now I'm cut back at work about 12 - 20 hours a week because of this pandemic ( covid - 19 ). 
Every time I have attempted to contact the Bank it is jumping through hoops to get in contact with someone to help. They repeatedly mention they're a debt collector .... Then once you do get a rep on the phone they purposely make it a way to be intimidating over the phone making it impossible for me to talk to them as well. 
Today I tried speaking with the again about the potential help I can receive in regards to the mortgage and they want you to do it all online. So I set up the ID and now there's a 5 day wait for a password to log in and even try to put through my application. This is a stall tactic on their behalf and I do not have time nor can afford this. I'm going to get behind on payments and this is devastating. 
I appreciate any help or guidance you can help me at this time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 4 dispute letters to Transunion to fully investigate 2 inaccurate accounts on my credit report that has stopped me from being able to obtain new credit and progress in life, which has caused XXXX XXXX. I am concerned as all my disputes have come back " accurate '' but display different factual data between the three bureaus. I am concerned because I believe Transunion is violating the FCRA laws and are not doing full investigations needed to assure 100 % accuracy of accounts. These accounts are reporting different date last active years between the three bureaus as well as different payment statuses, which is terrible because that is what indicates when the account is supposed to naturally fall of my credit report. According to the FCRA, it is the job of the credit bureaus to make sure accounts are 100 % and inaccurate accounts should not remain on my credit report and Transunion has failed to do proper investigations as the problem has not been fixed. I am requesting these accounts get deleted from my report immediately because they are reporting inaccurate information that I have tried to resolve numerous of times. I have attached my credit report with the inaccurate accounts and some of the letters I have already sent to the bureau. I am requesting these accounts get deleted immediately so I can obtain the new credit I need to become successful. I have attached my passport and bank statement to this complaint for verification reasons as well.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX Titanium funds called me to get a payment for a vehicle I crashed ( XX/XX/XXXX ). First off I was told I had traditional GAP insurance ( day I bought the car ), come to find out after my car had been totaled I had collateral damage insurance. They arent the same thing. They told me I could go back to the dealership I bought the car to get my old cars balance wiped clear ( XX/XX/XXXX. Told them that isnt gunna happen I already bought a car and wasnt going to have a high interest rate. I got my lawyer involved to help resolve the situation. I had let titanium funds know what was happening and they proceeded to call text and email me daily. 
XX/XX/XXXX I received a call from titanium funds, I told them the situation again and told them I would not be paying for the car until I was instructed to by my lawyer. The gentleman on the phone told me no lawyer would ever tell me that, I told him yes they would because they did. I told him I have dealerships, lawyers, and family who have seen this tell me to stop paying. The gentleman proceeded to tell me nobody would tell me anything like that. The gentleman was very disrespectful to me. I asked him to put a FULL cease and desist on my account I didnt want further communication with titanium funds. He told he wouldnt do that due to my account being an open account and me owing balance. I informed him I worked in auto financing, so my jab is the exact same his is and I know he HAS to put a cease and desist on my account if that is what I request. The gentleman on the phone said once you learn the correct verbiage I will put a cease and desist on your account. I proceeded saying you are harassing me so put a full cease and desist on my account. The gentleman on the other line refused to put one on my account. I ended the call and emailed titanium funds this is your written notice to put a FULL ceased and desist on my account. DO NOT contact me, my references, relatives, neighbors, or my place of work. Proceed to XX/XX/XXXX I received a text and an email. I didnt respond. XX/XX/XXXX I received two calls back to back, a text and an email. Again didnt respond or answer the phone calls. XX/XX/XXXX ( today ) I received two calls back to back, a text and an email. Again no response
Product: Mortgage

Hi! I am a XXXX in Oregon representing the seller. Chase Bank denied a loan to whom appears to be a well qualified buyer, who is an American citizen, but works overseas ( this was the reason the lender 's loan originator gave to me. ) The parties have been in contract for over 3 weeks and Chase just denied the loan. This buyer paid for and received a copy of the appraisal, which came in without issues. However, since Chase denied the loan, the buyer and his realtor had to scramble to find a local lender. They did and asked Chase to transfer the appraisal which the buyer paid for up front. Chase will not assign the appraisal to the new lender. So, the buyer has to pay for a new appraisal and my seller has to agree to extend the contract another 4 weeks to make time for the new appraisal, processing and CD notification requirements and underwriting. This seems like discrimination and expensive and almost illegal. This buyer has the resources to pay for another appraisal. Many buyers do not. Please explain to me how Chase can get away with these policies. Can we get that appraisal assigned to the new lender? 
XXXX XXXX, Principal Broker, XXXX Out XXXX XXXX XXXX XXXXXXXXXXXX CHASE FILE # Reference Number : XXXX Borrower ( s ) : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Again, this does n't add up. I asked the new lender if there were any red flags on the buyer, and he said absolutely not. I just feel like the laws were changed to protect the consumer, but it seems like we have more, and more issues like this cropping up. I just want to understand. Thanks for anything you can do to help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How can child support be reporting on a credit report when its considered to be a Judgement from the courts. 
I now demand these accounts be removed from my credit file