23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Out of all 5 accounts I've encountered the same situations, with this specific account at Chase bank, the over draft fee 's and the constant fraud alert locks due to my money being compromised due to suspicious charges that I didn't charge on my account. My account was automatically closed, It caused problems for me because I get my direct deposit to my bank account. It caused other bills to be late and develop over draft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Paypal issued Mastercard. I use this card for a couple of transactions a month. In the month of XXXX 2015 I received a {$96.00} refund resulting in a net positive balance i.e. Paypal owed me money. In light of this, there was no payment due by XXXX XXXX 2015. I even checked to make sure there were no transactions. However, in the XX/XX/XXXX statement the company charged me a $ XXXX late fee and interest charges of {$1.00} ( total charges of {$26.00} ). This was shocking and when I called Paypal the service rep kept repeating that I was getting confused. She refused to explain why I was required to pay the fees and have the charges reversed in the next month ( XX/XX/XXXX ) statement. This is the second time that Paypal has resorted to this unethical practice.
Product: Credit card or prepaid card

I contacted Bank of America through their verified XXXX page on XX/XX/XXXX about a {$90.00} transaction that I felt should have been eligible for XXXX  % cash back, but was only credited at XXXX  %. My card allows me to select a category ( I have " online shopping '' selected ) where I get XXXX % cash back for up to {$2500.00} in purchases every XXXX months. I explained that the transaction in question was an online purchase. I was told that the problem was with the type of item, but when I explained that the bonus category was for items purchased online, not any specific type of item, the representative could not explain. Instead, I was given a link to the terms of the cash back program. I reviewed them, and they were exactly as I remembered reading when I got the card. There was a " full listing of exclusions '' for the online shopping category, and I did not feel that this purchase fit any of them. I explained this to the representative and asked for specific details as to which exclusion this purchase fell under. I was told someone would reach out to me by phone. Someone called when I was not home and left a message asking me to call back at XXXX XXXX XXXXXXXX. I did so, and left a message, but heard nothing back. I followed up again on XX/XX/XXXX via XXXX and asked why I did not receive a call back. I was told someone would reach out. Again, I received a message asking me to call the same phone number, but this time, extension XXXX. I called and left another message, but again, heard nothing back. On XX/XX/XXXX, I called the number on the back of my credit card to find out what was going on. I spoke to a supervisor and explained the entire chain of events. I also explained a second cash back problem that occurred in the meantime. I had placed an order for {$28.00} online, which was originally credited properly at XXXX %. I had a problem with the order and disputed the transaction. A conditional credit was issued and the cash back was reversed. I ended up resolving the problem with the merchant, and contacted BoA asking to close the dispute, which they did. The conditional credit was removed, but when the cash back posted again, it was only for XXXX %. The supervisor said that both cash back issues would be looked into, and that I should expect a letter detailing what was discovered within XXXX to XXXX days. Today ( XXXX days later ), I checked my mail, but still received no letter. I called BoA again and spoke to a representative, then another supervisor. Both were very defensive and claimed that the letter should arrive XXXX to XXXX business days from today ( XX/XX/XXXX ). I asked why I was told XXXX to XXXX days ( not business days ) from XX/XX/XXXX, and they both said that they could not speak for the other supervisor, but blamed it on XX/XX/XXXX being a weekend ( as though the prior supervisor had no way to determine the current day of the week ) and claiming that they always speak in business days ( not true ).
Product: Credit reporting or other personal consumer reports

Affirm is a convenient service I use for purchasing and shopping online safely. My bank experienced an XXXX issue and payments that normally come out of my account were being rejected without my knowledge. I called affirm told them but they do not speak english and istead they reported it even tho MY NEW BANK account was on their site ready to process payments they reported i did not pay when instead they did not use the account, the bank account rejected payments i did NOT MISS A SINGLE PAYMENT I DEMAND IT BE RESOLVED AND REMOVED IMMEDIATELY further more people who do not speak english should not be handling my money MY ACCOUNT IS CURRENT AND NOT PAST DUE all payments are in and paid i demande resolution asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report and there is inaccurate personal information on my report. There are several incorrect personal identifiers listed in my credit file and I am requesting that any information that is not completely accurate be removed. I am very concerned that the information that is being incorrectly reported may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct first and last name is XXXX XXXX. I have no other requisite reported names or aliases. I want all other versions of information similar or alleged as being my name removed from my credit report. 

My current correct address street number , street name, city, state is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I want this information updated in my file and to reflect ONLY my above mentioned true accurate undeniably valid current correct address and any other reporting addresses that are not exactly as I have submitted above removed. The other addresses are not deliverable to me by the U.S. Post Office and not reportable as per the FCRA section 623 since they are not yet proven accurate. 

I want all alleged employers that are listed on my report removed. 

My current phone number is XXXX. I want all other phone numbers removed from my report, otherwise I want proof provided that they have verified them to be completely accurate and perfectly factual. 

I do not authorize you to retain or report any not requisite reported, not certified complaint, potentially outdated, potentially inaccurate, and or otherwise unverified even invalid alleged personal identifier information. 

In accordance with consumer protection laws, I request that these noted items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified complaints and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of the receipt of this complaint per law 15 USC 1681i ( a ) 1.
Product: Vehicle loan or lease

Toyota finances. After I paid three cars never a late payment well that's not true maybe one time. The XXXX before Coronavirus quarantine I had spoken to a lady that said she was going to give me a retroactive I think that's what it's called an application for me to fill up I was behind one month for some reason no money was coming in work-wise obviously there was a pandemic. They send me a letter and I have proof of all this that I did not get approved for a {$900.00} loan {$900.00} loan so I wouldn't lose my car because I decided to pay those {$900.00} in rent it was either rent or my car and I went without eating. Did they exactly the day of the pandemic we all got into quarantine my car was full of so many things clothing massage table but yeah I heard of repossessions I didn't think I was going to get repossessed because I was trying to work the problem. But no that same day my car gets repossessed and then what there's no work there's nobody in the offices there's no communication with Toyota finances forever they get back to me in XXXX telling me my car and everything and it was sold and that I owe {$10000.00} ruining my credit even more because now I have XXXX points in my credit and I could not get a loan and I could not do my XXXX And I can't rent a house and I can't get any credit cards and all I owe in credit was like {$1500.00} all right so I had a credit card that I didn't pay because my boyfriend ran it off. Not enough to go bankrupt not enough to ruin me for life I'm XXXX  now I go days without eating and I have no door opening because everything is at XXXX XXXX  so yes tell me Toyota didn't know there was a pandemic coming and they wanted to have make sure that their cars were in their bills were paid off and make sure that nobody XXXX them over. I love that car I love the car before that and I love the car that I had before that and guess what now I can't even own a car because they should actually give me a free car for what they did to me they I never been so poor and so hungry that car was my job
Product: Mortgage

Today, XX/XX/2023 I tired calling customer service at XXXX ... the system was not able to authenticate the last XXXX of my social security number. After several failed attempts to obtain my mortgage information I was told by a recorded message that the office was currently closed ( XXXX est  ) and when I did not put in the last XXXX of my ss number the system indicated that it recognized me by my phone number. But, I still was not be to be recognized when I entered my account loan number or the last XXXX of my social. It appears that there is a class action law suit on this mortgage lender. 

I have XXXX different mailing addresses : Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX www.rushmorelm.com. and Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, CA XXXX www.rushmoreservicing.com/welcome It keeps saying I was unable to find a match for the last XXXX of my social security number XXXX est They say we seem to be having difficulty, have a good day. 

I was told to contact my state agency Department of Banking and Finance XXXX XXXX and send a report dbf.ga.gov to submit complaint for residential mortgage broker I called Rushmore Servicing Accessibility under the Americans with Disabilities Act XXXX. I gave him both account/loan numbers and I still was not able to get any information. I was told that I was not able to be found in the new servicer system. Still not able to obtain any mortgage information. 

I contacted The consumer financial protection bureau to report this issue and was directed to this website. The problem is improper business practices by this mortgage lender that their problem has become a problem for me since I have received letter that my loan has been transferred, but the new servicer has not past account information to located me in the system.
Product: Money transfer, virtual currency, or money service

Please refer to CFPB Complaint XXXX. I received a letter telling me only that they confirm money was received by recipient only days after it was sent to XXXX. This is not true. I have asked at least XXXX times to provide proof, including the XXXX that the XXXX XXXX says they need to track the payment and not XXXX time, after multitude of calls have I received any PROOF the money was received. The office of the XXXX at XXXX called me multiple times to say the wire department was working on it and eventually I got a closed complaint letter XX/XX/XXXX saying they did everything right and if I want more info to call them. I called them that day and was on hold for XXXX minutes and hung up. I called the person responsible for handling my complaint- Raza at the number she provided me-and after someone tried to transfer me I was on hold another XXXX minutes- I hung up after that. I am furious at this treatment. I want PROOF that the money was received in XXXX I have involved multiple people in XXXX and the manager confirms that it is not anywhere in the federal bank system as being received. A note, other bank sent over $ XXXX ( was purchasing a home for my mother in law that lives there ) to the same account with XXXX issues. I want useful documentation from Wells Fargo that the money arrived in the recipients account, so that XXXX can track it. Or I want the refund of {$1200.00} plus wire fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
XXXX hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
US Bank hard inquiryXX/XX/XXXX ( not authorized ).
Product: Credit card or prepaid card

I was notified by XXXX XXXX  on XX/XX/2018 that they reduced by credit limit. At this time my card balance was XXXX and my previous credit limit was XXXX. XXXX XXXX advised me that because of information they obtained they dropped the credit limit to XXXX which will not only report to the credit bureau as 100 % card usage and also over the limit which will tank my credit report score even more. I am contact XXXX XXXX and they advised that there is nothing they can do they reduced the limit due to the information they obtained.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$7000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3800.00} DEPT OF EDUCATIONXXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$2800.00}
Product: Credit card

I purchased some items from a store and we financed with Synchrony Bank. The Sales person placed some orders without my knowledge or consent. I have reached out to Synchrony Bank to provide me a copy of my contract and they have refused. I have requested this multiple times and have been denied any copy of my application, contract or any proof of the transaction, where I signed for these item. I did not sign on these items and I did not authorize this purchase. Synchrony bank refuses to investigate this issue. 
I have text messages with the sales rep to prove I did not authorize these purchases and never had any knowledge of them. I placed all my orders in XXXX, and these other orders that I did not place were placed in XXXX that amount to {$1400.00} The company or bank have both refused to take action on this. 
I have attached a photo with the sales rep where it shows I received an email saying there was an order placed and he let me know it was cancelled, which was not the case.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$4600.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Checking or savings account

Report fraud of {$10000.00} along with proof of XXXX  and XXXX on dates fraud was committed only to receive half a provisional credit for XXXX on XXXX but when request made to dispute other {$5400.00} for the other half told provisional credit reversal would be made on XX/XX/2022 and case was lost even though I have sent proof I couldn't have been retriever of funds
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements on the electronic fund transfer act and regulation e These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I had already resolved this issue made a complaint against XXXX XXXX and XXXX XXXX with CFPB XXXX now theyre bugging from Portfolio Recovery Associates! I would like for you to find because since youve sent notification. They called me on Friday XX/XX/18 to harass me! 

Why dont you fine XXXX XXXX, XXXX XXXX and now Portfolio Recovery Associates for harassment under FDCPA FCRA????
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX