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

Paypal closed my account without giving any tangible reason as to why. I have some funds in the account ( XXXX USD ) which I just received as salary payout. I have tried to reach them but all they could say is I need to wait 180 days. 

Personally I think this is so unfair and purely evil way to treat people. Please recover my funds as I don't really care about using the account anymore at this point. 

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

I got a car auto loan from this company back in XX/XX/year>. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my XXXX XXXX account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my Equifax account which it has dropped my Equifax account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Product: Checking or savings account

I was receiving XXXX XXXX for a friend, he said they weren't fraudulent. 
XXXX of XXXX, all XXXX Payments were reversed for {$6500.00}.
Product: Debt collection

I had a Credit card from XXXX XXXX. Due to financial problems I stopped paying on the card in XX/XX/XXXX. XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number XXXX XXXXXXXX. Portfolio recovery took over the collection on it, they changed the date to XX/XX/XXXX as last payment. They also changed it on the credit report to look like a loan and has a payment arrangement so they don't have to abide by the statute of limitation. This is 6 years in the state of Utah. XX/XX/XXXX. They are actively presenting it as a loan they have arrangements to be paid on. I have never talked to them or have made any arrangements or agreement. Thes are 100 % false dates and have illegally changed it to a loan to avoid Fair credit consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company that I have a loan through, Security Finance, has done a hard inquiry on my credit report several times since the initial loan. The original loan was applied for and started in XX/XX/XXXX. Since then they have done a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with someone in the office and they insist that they have only done soft inquiries, which they are allowed to do. However, it is obvious to me that they are routinely performing a hard check on my credit without my permisison. Because they refuse to accept their error and cease this action, I am filing a complaint to have these removed immediately by them.
Product: Debt collection

CMRE Financial Services sent me a letter stating that I would be sent to collections for debts owed to XXXX XXXX XXXX XXXX. 

I would like to say that I have NEVER been late on any payments EVER. I never received notice from XXXX XXXX XXXX XXXX ; had I, any properly owed debts would have been paid. 

I paid CMRE Financial Services twice for similar debts they claimed I had. I'm not sure how they have collected my information over time, but they are definitely scamming me into paying them so that I don't get sent to collections. XXXX XXXX XXXX XXXX claims not to know about these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAD IDENTITY FRAUD AND A FRAUD ALERT ON MY CREDIT REPORT. ALL OF THE CLOSED ACCOUNTS BOFA XXXX WERE SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. MY ATTORNEYS AND I HAVE BEEN TO COURT XXXX TIMES AND THE CLOSED ACCOUNTS ARE STILL NOT REMOVED FROM MY CREDIT REPORT. ALSO THE ACCOUNTS ARE OVER 7 YEARS OLD AND NEED TO BE REMOVED FROM MY CREDIT REPORT. PLEASE HELP ME OUT WITH THIS. THANK YOU VERY MUCH. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Follow up complaint to the previous Complaint I submitted. Once again, I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Checking or savings account

On XXXX XXXX I received a fraud alert in which in turn I called the number on the back of my banking card and spoke with a representative. The representative did not lock my account, or do anything to quickly block the activity going on in my account. While we were on the phone discussing what was happening on my account and if I had lost my card or authorized anyone to use it etc before we knew it my savings was gone and all my money was transfer to an external XXXX XXXX XXXXXXXX fraudulent account. After the representative assured me they will deal with the situation by opening a investigation I did not feel comfortable so I hung up and called again and asked to talk to a manager. After talking to several people who told me that the first representative did not do their job correctly by immediately locking my account so there would be no access, they told me that they would do an investigation. In the meantime they gave me a temporary credit of the {$900.00} that was stolen from me. I continue to call to see how the investigation was going to see if there was information I needed to turn into the police about this person who stole my money and they assured me they were handling everything. I had some employees telling me to close that checking and savings account that was compromised and open new ones and then I would talk to somebody else and they would say no close the new ones, so I open and close several accounts because that's what the employees were telling me to do. There's no consistency when you talk to an employee.Eventually I got a letter saying that after the investigation they decided that I knew the person and I authorized them to take my money which is absolutely not accurate and they took back my credit which left my account in a negative of the {$900.00} that was stolen from me. I have asked for documents to prove why they came to this conclusion and they just sent me one little page that said that they decided I knew the person and authorized the transfer. In the meantime I've been calling a couple times every week trying to get through to talk to somebody, to have them listen to the recordings and to provide me more evidence with the recordings to prove that I did not know that person or authorized them to take my money. But employees keep transferring me and I never actually get to talk to anybody about my fraud. It's been past frustrating trying to resolve this with them, if I can not even talk to somebody to get more information. Capital One has been a complete nightmare, unprofessional and have not done anything to protect my identity. I've had to do a freeze on all my accounts & my social security number. I keep all my accounts lock for my protection. I've had to invest in XXXX to make sure there's no more fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my Credit report and it has been more then 30 days with NO result 's. The credit bureau is " Equifax ''
Product: Bank account or service

I was at TD Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down. 

Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ). 

When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit card

On XX/XX/XXXX, I was aware for the first time that my credit had gone down because Barclays Bank had reported unpaid invoices with credit agencies. 
On XX/XX/XXXX, I called Barclays Bank phone ( XXXX ) and they informed me that there was a charge of {$71.00} on XX/XX/XXXX, from a company called XXXX XXXX. 
First. I do not recognize who the XXXX company is, nor have I bought anything from that company at all. 
Secondly. I do not understand why Barclays Bank never notified me about this situation and did not send me a billing statement informing me of these charges. I never received any letters by regular mail or by email. According to the information received, the total owed, including late payments and interest, is {$140.00}. 
Third. The only letter I received from Barclays Bank was dated XX/XX/XXXX, from the XXXX detection unit. See Exhibit A According to my bank, XXXX Bank reported me with credit agencies and my credit history decreased by XXXX points XXXX Bank 's actions are wrong and must be sanctionable. 
XXXX Bank must resolve this situation immediately. The Bank must remove the fraudulent charge on my account, including all late fees, and notify all credit agencies about the error.
Product: Credit reporting

Information was submitted to several banks to inquire loans, which accrued several hard inquiries in one day ....
Product: Credit card

I ask that this account be removed from my credit report. My information was apart of a security breach under code 605 b. Please dont turn my dispute into a third party dispute. I ask that this information be removed within XXXX business days
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So, I have had a PNC Financial bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having PNC, and i've been banking with XXXXXXXX XXXX for years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and PNC themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give PNC my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many PNC employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.
Product: Credit reporting

On my report their is a collection on my reports which is incorrect I already paid it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt that was received from XXXX XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on XXXX  and Equifax as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor Equifax bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Product: Credit card

On XX/XX/XXXX I called Dell for technical support. They charged me {$99.00} for a provisional technical support service that guaranteed if they did not fix my problem and my laptop had to be mailed in for further assistance that they would refund my {$99.00}. They could not resolve my issue. I mailed my laptop in and they refuse to refund my {$99.00}. On XX/XX/year> I filed a claim dispute with Comenity Bank and Dell to get my refund because they have billed me for it. Both companies kept sending me back and forth saying they don't handle disputes. Today I received a letter from Comenity Bank who runs Dell credit card asking me for dates of purchase and the amount of my claim. I called Comenity Bank and they refused to let me speak to claims. The letter told me to provide redundant info that they already have and to call claims or they are cancelling my dispute. I asked XXXX, Acct Supervisor of Customer Care why they were sending me this letter requesting info that they already had and she berating me and refused to answer my questions, transfer me to claims, or her manager.
Product: Checking or savings account

Due to medical and financial situation, on XXXX XXXX, 2017, we filed for bankruptcy protection. We did n't include our bank, Navy Federal Credit Union on our petition, since are trying to maintain a good relation with the bank. Two weeks ago I tried to get gas in my card, to find my credit card did n't work. I called XXXX XXXX XXXX, they stated my credit cards and loan have been canceled, since they found out through my social security we filed bankruptcy. We received no noticed from Navy Federal about what they had did. On XXXX XXXX, 2017, we amended our bankruptcy petition, to include Navy Federal Credit Union. The same day I hand carried a copy of our petition to our local branch in XXXX, VA. The agent faxed and scanned a copy to the bankruptcy department. After the agent faxed the documents, she tried to call to confirm they received the documents, no answer. I called and talked to XXXX XXXX, I asked him did he received my bankruptcy papers, he stated yes, with a rude tone, asking me if I had a lawyer, and letting me know there were a balance of {$480.00} owed to the bank. I advised him, my government retirement will be in on XXXX XXXX, 2017, federal law the bank can not take that money from our account, since we filed bankruptcy. Our son, which is the primary owner, has a military checking and savings account. He went to pay his rent and found out he was short by {$480.00} from his account. Our son told us Navy Federal Credit Union have taken money from his account without his authorization and ca n't pay his rent. As you know Navy Federal Credit Union knowingly commit fraud, while taking money from our son 's account.
Product: Checking or savings account

Hi received marketing material from citizens bank about a cash bonus offer of XXXX if I fulfilled requirements - XXXX XXXX direct deposit within 60 days from account opening. The account would need to remain in good standing. I opened the account in XXXX of XXXX. My direct deposit went into the account on or around XX/XX/XXXX. I believe I added the promo code to the account opening application at the time but I had issues with the site. The site was also advertising the bonus at the time i wasnt too concerned but to be safe I also followed up with citizens after I opened the account to ensure the offer was attached to the application. I was told it was. On or around XX/XX/XXXX ( approx ) I fulfilled the direct deposit / offer requirements. 

I contacted citizens several times and was told the cash bonus would be paid XX/XX/XXXX. I sent several emails and even provided them with the code because I saved the marketing flyer. I spoke to a manager who then had it forwarded to a research team. The woman emailed me and mentioned that she would get back to me in 24-48 hours but I never heard from her again. I followed up via email. Nothing. I reached out several times but at this point it is beyond my comprehension how a bank can advertise like this and then make it so difficult to receive the promotion after fulfilling the requirements. Please address this. Hopefully it is not happening with others. 

I Reached out XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The code for the promo was provided and a rep on XX/XX/XXXX said it was good. I took a look at my notes and old mail. 

I believe this is the code below. It was one or the other. I cant remember but the mailer I have shows the first one below. 

XXXX XXXX
Product: Credit card

I used Bread Financial XXXX XXXX card 's online account automatic payment system to set up automatic payments for my credit card. The payment was set for the full statement balance. I double checked the account number and routing number to make sure they were accurate. The XXXX payment was returned. As soon as I was made aware of the problem, I immediately tried to make another payment from another bank, but Bread Financial 's system would not let me make another payment. A few days later, I was able to make another payment, which I immediately paid the full statement balance. Bread Financial charged a {$30.00} returned check fee and {$28.00} in finance charges. I contacted Bread Financial and asked why the payment was returned and requested the fees be waived. I was advised the account number was wrong, and they refused to waive the fees. I again contacted them and asked what account number was used and again requested the fees be waived this one time since it was only a mistake. I asked for my account to be reviewed which would show that I always make my payment on time and in full using their automatic payment system. They again refused to waive the fees and would not provide the account number they used. I have no way of verifying what account number they used for the ACH transfer. I contend that they entered the account number incorrectly and then charged me fees when the payment was returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I am reporting a fraudulent inquiries found in my credit report