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

I placed an order on XXXX on XX/XX/2022 for {$130.00} and used my PayPal account to pay for it. 

I never received the package, and when I called XXXX XXXX XXXX customer service, I put in a claim for either a refund or replacement for the items I never received. XXXX customer service was unhelpful and said that the package was delivered although they failed to show me proof. It was never delivered. They used a carrier called XXXX delivery. I went to XXXX and there is no phone number or contact information to ask them about my shipment. I contacted XXXX XXXX XXXX  again and asked if my item was insured like it would be if they shipped with USPS or XXXX  they didnt answer. 

I contacted PayPal because they advertise that they offer consumer protection when you use PayPal to pay for goods and services. I put in a dispute with PayPal about the charge, and they closed the case in favor of XXXX because XXXX reported my package as delivered. They also failed to show evidence. I have cameras in my building and no packages were delivered for me. PayPal and XXXX are defrauding me, neither company has done anything to help me PayPal says they protect consumers, thats why I use them to pay for things, but they dont follow through with their promise. Their are tons of complaints about PayPal doing this on XXXX and other sites and they have no oversight. They need to fulfill their promise to insure items bought using their services. 
XXXX customer service said there was nothing they could do, nor would they process a chargeback. The PayPal customer service rep told me to contact the government about this! So that is what Im doing? 

PayPal closed my case, saying I didnt respond to their request for more information about the item not received. But I did respond to their inquiry, and even attached a police report about the item not delivered. 
This is information that PayPal asked me to give them. So, they arent going to refund my money for me? I suppose this costs them money, that is why they always side with the merchant? I attached a screenshot showing the information, as well as the police report. PayPal also promised to get in touch with me again about this, but they did not. XXXX XXXX XXXX customer service promised to contact me again about the package, and they have not either. Every time I call to complain, they say the same thing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, it came to my attention that someone had opened a Citi secured credit card in my name without my knowledge or consent. I immediately contacted Citi Bank to inform them of this fraudulent activity and to report that my identity had been stolen. Despite providing evidence that the account did not belong to me, including the fact that the associated phone number and email were not mine, Citi Bank refused to remove the account from my credit report. In response to this, I filed a police report and submitted a dispute with all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received 2 letters from Discover stating they received my application for a Discover Bank Account, however, because they were unable to verify my information, the application has been cancelled as of the date of the letters ( XX/XX/XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have files several complaints against XXXX credit agencies for purposely, deliberately and intentionally placing false information, not updating, and restricting me from my credit file. XXXX XXXX advised me via letter and XXXX that my account is not pass due XXXX and it has been settled. XXXX has refused to placed this information on my credit file. XXXX has reported with each request and complaint that it takes 60 days and has lied about fixing my account for me to have access. I will be taking with attorneys in reference to this violation. It has been over 60 days and it should not take this long to correct my account when the party have submitted information to XXXX XXXX XXXX. As of XX/XX/year>, I cant access my credit file.
Product: Student loan

I attempted to contact XXXX XXXX  because my entire history of statement was missing from my online student loan account. I was told they would send these statements to me in an email within 30 days. It's currently been over 30 days and I have yet to receive the information regarding payments I made on my student loans.
Product: Mortgage

I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.
Product: Credit card

Capital One Venture X told me before I applied for the credit card that there will not be any spending limit on my card. But they restricted my spending limit by what they call " Purchasing Power ''. This in effect is a spending limit. 
It was misleading advertising, and I would not have applied for this credit card if I knew there will be a limit on how much I can spend in a month.
Product: Mortgage

Newrez LLC, my mortgage loan company, didn't have a record of my homeowners insurance. Without contacting me they then created an escrow account and increased the monthly payment. I unwittingly continued to pay my normal amount ON THE FIRST OF EVERY MONTH but because they had increased the amount they treated the entire loan payment as late and eventually submitted me to the credit agencies as a delinquent payer which had a significant negative impact on my credit score. 

I called them to address this and sent them proof of my homeowners insurance and they said they would remove the escrow account and refund me the amount they had taken out. After 10 days and I still getting delinquent payment emails from them, I called them again and none of the remediation they said they would take care of had been done. 

I STILL have the negative impact on my credit score and am attempting to get that addressed but Newrez LLC made a mistake here and has done nothing to correct it. They also have provided no help with my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX, I applied to CitiBank for a balance transfer card. An account was opened but never funded. I tried again 6 weeks later with the same results. In XX/XX/XXXX, I requested the account be closed. On XX/XX/XXXX, CitiBank emailed me with a confirmation of that closure. Yet I continued to receive constant phone calls requesting repayment of the loan that never existed. 

In XXXX, XXXX, I had my attorneys send cease and desist letters to the bank. That stopped the daily calls and left an occasional letter. In XX/XX/XXXX, six months after the above, the bank sued me for the same non-existent loan. I reported that to my attorneys who sent me to you
Product: Credit reporting, credit repair services, or other personal consumer reports

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$6200.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/2020. 



sent ftc never removed anything 90 days or more
Product: Debt collection

I Consumer, XXXX XXXX entered into a consumer credit transaction with American Express on XX/XX/2017. There was a finance charge involved. Per 15 usc 1605 the Finance charge is the sum of all charges in a consumer credit transaction. American Express has sent me several bills with violations of 15 USC 1692. American Express used symbols on the contents and in the inside of the envelope that indicated that they were in the debt collection business. American Express has infringed on my privacy rights as a consumer. American Express continues to violate me. In effort to resolve this matter outside of court I mailed American Express an Affidavit of Truth with exhibits labeled A and B proving their violations as well as an invoice for their violations pursuant to 15 usc 1692k as well as a cease and desist. American Express reported this transaction to the consumer reporting agencies but never gave me the opportunity to opt out of reporting pursuant to 15 usc 6802 ( a ) ( b ) ( B ). This is causing me a great deal of stress that affects both me and my children. I am stressed out. Please help me get complete remedy from these violations.
Product: Debt collection

XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.
Product: Credit card or prepaid card

Called Capital One on today, XX/XX/19 was constantly transferred from department to department for a total of 1 hour  and was not given any resolution.
Product: Credit reporting or other personal consumer reports

In accordance with 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 : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed fraudulent inquiries listed on my Transunion consumer credit report. I did not apply for these applications of credit and not only has Transunion ignored my requests to remove these from my consumer credit report. They have told me that inquiries are required to remain on my report for 2 years after the fact that I have notified them that these inquiries are not mine and that they are fraudulent! That is a violation of my consumer rights protected by the FCRA! Legally these credit reporting agencies can not bind me to fraudulent information on my credit report especially when I am requesting how they verified that this information belongs to me and the investigation procedures behind this! These companies have left my demands unanswered and it has been well over 30 days which is another violation of FCRA Law. I Demand these fraudulent inquiries listed in the attached documentation be removed from my consumer credit report at once!
Product: Mortgage

Every month the last 2 1/2 years XXXX XXXX until today XX/XX/XXXX, I have a late payment status. Every other month this reflects on my credit here as a homeowner for 17 years. This mortgage company has been saying I am late on paying every month. I should have an 800 credit score I only have at XXXX & have never been late. I have all documents that state when all payments have been paid. I have nearly been homeless because of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to log in and see my actual TransUnion credit score, but its the most difficult credit bureau of the other 2 make everything much more complicated then it has to be! I enter forgot info I enter my SSN and last name and I just refresh the screen over and over.. I cant do nothing to understand why my score is dropping when my utilization is going low, but yet the other 2 credit bureau score went up when I brought my credit usage/utilization and debt ratio extremely low.. I honestly think! TransUnion needs to be audit and investigate being completely honest!! Something fishy going on in their end.. I submitted another claim how 44 inquiries appeared in one day out of the blue into my credit history only in TransUnion and unknown accounts.. please investigate and audit TransUnion!!
Product: Vehicle loan or lease

My vehicle was illegally reposssessed by the used car dealership. I paid my vehicle off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I believed to have been charged fraudulent overdraft fee with XXXX XXXX. I can only track my statements back to XXXX. I have been banking with them since XXXX. If there is any way we could contact them and obtain all over drafts from XXXX until now and identify.
Product: Debt collection

JC Penney calls my cell phone multiple times per week trying to reach someone else. I have told them repeatedly that they have the wrong number, but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my equifax credit report dropped 87 points to XXXX   for no reason at all. It appears to be a clerical error. Whoever made this error should be disciplined or fired. There has been a brreach with my security with equifax and i will attache my claim.
Product: Debt collection

I do not know this dept collection company and have never agreed to work with this company. Please provide me details of account and evidence that I agreed to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportingS with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and Equifax have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX  card on
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the day last active is inaccurate, and the date last reported is also not accurate. This is ground for removal they also violated my rights under 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I found two hard inquiries ran by " XXXX  '' on XX/XX/2018, and another one called " SYNCHRONY '' on XX/XX/2018. The one that states " XXXX  '' is legit but " SYNCHRONY '' came out of nowhere and I am unable to dispute this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020
Product: Debt collection

XX/XX/2012 {$1900.00} by company i check online i cant log in first time it said cant log in.. i feel it rip off i check reviews.. i called.. i asked them offer settlement.XXXX they said ( attitude on phone ) no.. i wont pay for it.. i hung up on them..
Product: Mortgage

My loan was modified on  XXXX / XXXX /  XXXX  . Also the service of the loan changed hands from one bank the another. I also had a balloon payment added to cover attorney fees and escrow shortages. Some time in  XXXX  they added more onto my note and saying I have to pay this now. I have made my regular payment and will not pay this because I think it is wrong that long after modification was completed completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by Capital One to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Capital One is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Prepaid card

Tried to use american express gift card on XXXX but did not work.