23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There was an information breach by XXXX XXXX and my personal information was accessed illegally.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I hired " XXXX XXXX '' to conduct research and help with my civil case. I paid {$390.00} through PAYPAL and " XXXXXXXX XXXX '' provided no services and I had to go through civil litigation for over a year with no help or services. On XX/XX/XXXX, I contacted XXXX XXXX at " XXXXXXXX XXXX '' to refund my money for providing no services and received no response. 

On XX/XX/XXXX, I filed 6 cases, for 6 transactions, with PAYPAL in their " XXXX XXXX '' and was told all my transactions were, " ineligible for PayPal Purchase Protection. " ... ..Maybe so, but PayPal 's policy and legal policy do not supersede state laws or federal acts when it comes to theft.

So this complaint is against PayPal for Money Laundering, as defined, " When a business allows fraudsters to use them as a way to take people 's money, it is called money laundering. Money laundering is the process of illegally making an amount of money and hiding it to make it look like it was generated from legitimate sources. '' thank you.
Product: Checking or savings account

I requested a refund from XXXX XXXX and they agreed to it, but have failed to deliver. I have filed a formal complaint with Navy Federal Credit Union for the services not rendered which XXXX XXXX verified. I would like a refund from my bank for the services so they can file the chargeback with the company to receive their money back.
Product: Credit reporting or other personal consumer reports

Why did my XXXX credit score drop by XXXX points and my Equifax credit score drop by XXXX points when there were no negative items reported ; I paid off the XXXX credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. I requested an investigation because I felt the item ( s ) below were not being reported legally. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I received a letter stating that your investigation was complete and the items listed above were Verified.

This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your response should to me should include the following at a minimum.

1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2 What certified documents were reviewed to conclude your investigation?

3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4 What did it cost your company to obtain the documents needed to complete your investigation?

5 Please provide proof of your timely procurement of certified documents.

6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9 Provide the date of the commencement of delinquency.

10 Provide the SPECIFIC date reporting that these items will cease.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX S.S.N : XXXX vs. 

XXXX XXXX. - NETSPEND INC. - XXXX - WWW.NETSPEND.COM EXEC. XXXX XXXX EXEC. XXXX XXXX XXXX XXXX COMPLAINT I, XXXX XXXX XXXX, PURCHASED AN VISA-NETSPEND PREPAID DEBIT CARD - LAST 4 DIGIT # :XXXX - EXP.DATE # : XX/XX/XXXX - CVZ # : XXXX - PIN # : XXXX - ACCOUNT # : XXXX.I HAVE CONTACTED MULTIPLE VISA REPRESENTATIVES ON BEHALF OF MY DIRECT DEPOSITS AND ACCOUNT SECURITY.I RECEIVED POOR CUSTOMER SERVICE IN : 1. ) INITIALIZING MY PREPAID ACCOUNTS 2. ) ACCOUNT SECURITY 3. ) DIRECT DEPOSITS 4. ) CORPORATE INVESTMENTS 5. ) LOST/STOLEN CARD SUGGESTIONS AND  RECOMMENDATIONS ON ACCOUNT OF POOR CUSTOMER SERVICE EVERY SESSION, I ASSUME I AM TARGETED BY THIEVES, ROBBERS, HACKERS, AND CRIMINALS.I DEMAND FOR MY ACCOUNT VALUES AND SECURITIES TO BE RESTORED AND DELIVERED IMMEDIATELY. XXXX XXXX XXXX. DATE : XX/XX/XXXX, TIME : XXXX : >>>>>>>>>
Product: Debt collection

This is not my account / can be fraudulent activity, ( not mine ) never had or know what is First federal credit!
Product: Credit card

old navy, Barclays Mastercard is a very frustrating card. even though i paid by balance in full every month, i was still charged interest. this happened for several months and then i locked the account. 
even though the account is locked, i am still being charged and then they added late fees and interest. 
i tried talking to the company, but they wont fix this
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file, as they were opened or made without my knowledge or consent due to the data breach. 
Fraudulent Accounts : 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 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 reporting, credit repair services, or other personal consumer reports

I have made countless attempts to resolve this issue with Bank of America. I have explained to them that the account was created without my knowledge and consent and I demand for it to be removed.
Product: Credit card

I got a promotion on my Capital One Venture X stating I could be eligible to get {$45.00} in capital one shopping rewards if I download their app and enable the extension in my Safari browser on iPhone. I did that adn never got the reward.
Product: Debt collection

I am writing this complaint on this collection of Midland Credit Management XXXX that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/year>, and on XX/XX/year>. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing open mortgage in Good Standing with XXXX / XXXX XXXX XXXX. XXXX / XXXX XXXX XXXX is not reporting my mortgage information to XXXX or Equifax credit reporting agencies. 

I have been trying for over 1 year to get them to report it. XXXX and Equifax both say they are not getting my mortgage information from XXXX / XXXX XXXX. The problem is impacting my credit score at both XXXX and Equifax because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 XXXX XXXX XXXX
Product: Credit card

I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 

Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.
Product: Bank account or service

We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.
Product: Mortgage

We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage.
Product: Debt collection

multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt in question. This is my legal right to ensure that you can prove I am legally obligated to pay this debt. Please provide the following documentation. The full amount of all alleged debt, including any interest, fees, and charges. The name of the original creditor and the original account number. Proof that you have the legal right to collect this debt, including a copy of any signed agreement or contract. A detailed payment history, showing how the debt was incurred, any payments made, and how the balance was calculated. Any other relevant documentation that supports your claim. If you fail to provide the requested documentation within 4 days of receipt of this letter, I will consider the debt invalid, and demand that all references to it be deleted from my credit report. Futhermore, if you continue to report this debt without proper validation or failure to address this dispute, I will take immediate legal action. This includes : Filing a complaint with the Federal Trade Commission ( FTC ). Pursing a lawsuit for any potential violations of the FDCPA and any other relevant consumer protection violations of the FDCPA and any other relevant consumer protection laws. I expect your prompt response and adherence to the law. If you can not validate this debt as required, I demand that you immediately cease collection efforts and remove any and all references to this account from my credit reports. Failure to comply with demands will result in immediate legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies : 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 

Not a single company has responded. So I reached out to XXXX, Equifax, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though USPS on the 1st of each of those months, and I have yet to have a formal Response Via USPS as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted.

( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not nor ever was my name. My name is XXXX XXXX.
Product: Checking or savings account

This complaint is in reference to Citibank, NA 's continuous denial of my rights under Electronic Funds Transfer Act ( EFTA ). Citibank is either misinterpreting a very important consumer regulation, or purposely obscuring the nature of the fraud to skirt their obligations under EFTA.

A fraudster stole my online banking credentials and gained access to my ONLINE BANKING to initiate electronic funds transfers from my XXXX accounts ( which are used for personal, family, and household purposes ) on XX/XX/2021. 
Per the EFTA, the term electronic fund transfer or EFT means any transfer of funds that is initiated through an electronic terminal, telephone, COMPUTER, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. 12 CFR 1005.3 ( b ) ( 1 ).

Additionally, as stated in the CFPB 's recent Electronic Fund Transfers FAQs, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

In my case, since a fraudster stole my online banking credentials and gained access to my ONLINE BANKING ( accessible via a COMPUTER ) to initiate an order/instruction authorizing ( without actual authority ) Citibank ( i.e., a financial institution ) to debit to my two consumer accounts, I am entitled to the protections Regulation E and the EFTA provide to consumers.

By reason of the facts and circumstances stated above, I demand that Citibank reimburse me in the sum of {$19000.00}, plus interest.