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

I have been using Paypal for years and it is linked to my Bank account only. I once had a visa debit card but when it expired years ago did not link one to paypal. 

On XX/XX/2020, I received a email from Paypal about a case that was submitted by some other Paypal account holder, Indicating that her account had been hacked into and there were 5 purchases made from me in the amount of XXXX dollars and some change. I was told that I needed to respond to complaint by XXXX XXXX. 

I went into my account and found activity that I had not initiated. I had not and did not sell anything to this person ever. When I checked more activity I found 27 Master Card Debit card instant transfer transactions that I never made. The total of those transactions was very close to the money from the account that was hacked into. 

I do not have a Mastercard debit card. My card is a Visa. I tried to file a dispute but because it was a master card debit card was unable to without going to payal chat as there was no way to contact by phone. 
Finally a dispute was submitted by customer service on my behalf. I indicated in my dispute that those 27 withdrawal from my account using a Master card debit card was not authorized by me and that I do not own nor have I applied for a Master card debit card. I questioned how this card was used to access my paypal account. I also questioned why red flags did not go up because my paypal balance is always XXXX. When I purchase most transactions are paid for using my linked bank account. 
I even indicated that there was something suspicious about money going into my account through a purportedly hacked account in almost the same amount as was instantly transferred from this fraudulent on the same date XX/XX/XXXX. All activity on that date. 

Paypal denied my case and I appealed. They denied my appeal saying they found the transactions consistent with my history. I asked them to look at my history and they will see that somehow the Mastercard Debit card showed up on activity statement for XXXX XXXX as a backup card. do not know how that happened. all activity prior to that only shows that I paid for my transactions and there is no back up master card.
Product: Credit card

My wife XXXX XXXX was denied a cash advance in XXXX ( she had pre notified Citibank of her travel to XXXX ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in XXXX when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. 
Complaint filed with NY attorney general follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 XXXX XXXX New York Attorney General The XXXX XXXX, NY XXXX Dear Attorney General, Thank you for your good work during your term. 
I sent the attached message to Citibank Credit Card. Through their neglect and incompetent polices they have left my wife, XXXX, without cash in the XXXX XXXX. 
Thank you in advance for challenging Citibank 's policy of denying cash advances ( {$230.00} ) where a client has provided advance notice of their travel ( XXXX ). 

Very Truly Your XXXX XXXX Cc : Citibank General Counsel- XXXX XXXX After talking with Citibank fraud department and requesting a supervisor ( wo n't be available for 48 hours ). I sent the following to Citibank by their customer message system. 
XXXX My wife XXXX notified you that she was traveling in XXXX. You have this on record. 
After her Citibank debit card was eaten ( was not returned ) by a bank in XXXX this past weekend for unknown reasons She went to the their branch to get a cash advance on her Citibank Master Card before she bordered a plane to the XXXX ( no wifi, no electricity ). 
UNFORTUNATELY CITIBANK BLOCKED A CASH ADVANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
For {$200.00} and she notified you she was there!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
She now is in the XXXX without cash ( or debit card ) and no trust in CITIBANK!!!!!!!!!!!!!!!!!!!!! 
What are you going to do about it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX your Quants for programing that stupid logic!!!!!!!!!!!!!!!!!!!!! 
Never had this problem dealing with XXXX. Will start pursuing other option since your people are worthless Internationally. 
You are liable if she is injured or marooned in any form because she does n't have cash!!!! 
WHAT ARE YOU GOING TO DO TO CORRECT THIS!!!!!! 
!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX after several attempts to get my profile updated. I sent in my Social Security Card and my GA drivers license. On XX/XX/XXXX I called Equifax to talk about my account I could not get into Equifax.com because they can't verify the my personal info. Equifax has dragged me through the dust and mire I am fed up with trying to get them to do there job. I am being denied the credit that I deserve because they won't update my credit file, On the Equifax.com site it reads that my credit file has been blocked for " Promotional Purposes '' I really don't understand that and can't get any information from customer service because they claim to cant verify my info that I give to them.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I sent them a notice of dispute, debt validation letter and a letter of demand. Then I let them know the law says they cant collect until they resolve the dispute and there still trying to collect the debt, by telling me I still owe them and I still need to pay them by the 3rd.
Product: Checking or savings account

On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.
Product: Credit reporting

XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it has now exceeded the 7 year statute of limitation.
Product: Debt collection

When logging into XXXX XXXX, I noticed a drop in my credit score and then immediately looked for something that may be impacting my credit to find that I have a collections account. It lists the debt associated with AFNI and also show original debtor as XXXX XXXX XXXXXXXX I'm unsure if this means the phone/internet provided XXXX XXXX XXXX in which I have no had an account or services with them since sometime in XXXX. I do not owe any past due balances with XXXX XXXX XXXX or any other provider/medical etc. This is not a lawful debt practice as I have no idea what this debt is even for or from really. Just my guess based on minimal information I could see via XXXX XXXX.
Product: Debt collection

I disputed that XXXX XXXX was first an inaccurate account. It was collection purchased from capital one that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief!
Product: Credit card

Current closed my credit building account without my permission and they refusing to re-open my credit card account and there customer service is making false statements that I contacted them in chat and requesting to close credit builder account because the fact that current app doesnt work on my device and they terminated my credit Builder account 2023 without my permission or a notification this bank is bad and they are not allowing me to open a new credit card account and also holding my advance funds to release on my checking account this company is terrible and they are blaming me that terminated this account and added false notes on the account that I closed the credit Builder account
Product: Credit reporting or other personal consumer reports

In XXXX XXXX closed the 3 accounts I have had for year with XXXXXXXX XXXX, XXXX, and XXXX. 
All accounts were in good standing, never missed a payment or was late. Paid most account balances in full on, or before due dater. 
XX/XX/XXXX I tried using XXXXXXXX XXXX card and it was declined. I checked and same with XXXX and XXXX. I talked to 3 people at XXXX. Could not tell me why, " You will get a letter ''. 
I did and all it said on all 3 was " Activity with XXXX indicative of high risk of failure to pay ''. I called back and got the same answer. The lady said I could file a dispute with Transunion that XXXX used to grant credit. I did and after 30 days I received a report that I could find nothing absolutely nothing in it for their action. The lady at Transunion stated that my credit looked good. She suggested that I reapply to XXXX I did, they issued me another card with {$8000.00} line of credit after running a credit check with Transunion. I tried to use my new card at XXXX today and it declined. It too has been canceled. 
I am attaching the report from Transunion and XXXX after my dispute. The Transunion Report never gave me a ligitimate reason for XXXX XXXX action, My credit score with XXXX is over XXXX and in high XXXX with the other two. 
I need help. I am a retired veteran and use XXXX for my military discount. I use my XXXX to Scan and get a 5 % discount. 
I have checked my credit files and can find anything indicating I am high risk I have sufficient income to handle anything I purchase on credit. My equation Outstanding amount to balances is extremely low. 
Please help me understand the closing of 3 good accounts that are excellent in payment history. .I have sense asked Transunion to file a new dispute. Have not heard anything from them. Transunion was very helpful but I never found out wny?
Product: Credit card or prepaid card

I have talked to the company, and sent police report along with notarized statement that the account was fraud. I filed a dispute with credit companies. Spoke with a representative on XX/XX/XXXX and disputed the account-the account was removed on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX and she indicated the account was placed back on the report. I relieved a letter from the credit company and Northstrom that account was being removed. This a fraud account, all of information was taken and three accounts were opened on the same day. 
My XXXX  confirmation XXXX
Product: Vehicle loan or lease

The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for Credit Acceptance. A significant number of Credit Acceptances most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. The joint complaint also alleges that Credit Acceptance substantially assists dealers in the deceptive sale of add-on products. The complaint further alleges that Credit Acceptance applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for Credit Acceptance. A significant number of Credit Acceptances most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. The joint complaint also alleges that Credit Acceptance substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties.
Product: Checking or savings account

On or about XXXX XX/XX/2022, i tried opening BMO Harris checking account with promotions but both the account I couldn't open as my application was rejected. No reason provided except send an email or call the customer service. On calling customer service I was told that send an email. On XXXX XX/XX/2022, I received email response stating call phone. So essentially I am sent in circles with nobody from BMO Harris willing to help or why my account application was rejected.
Product: Money transfer, virtual currency, or money service

I used a " banking '' app called " Copper Banking and one day my account was closed with no notice or warning. I contacted customer service and they said they will send a check to my mailing address within 10 days, and the check never came. I asked if I could have my mailing address to verify if they sent it and they could not provide it. 

Essentially they took my money and I never saw it ever again.
Product: Credit reporting or other personal consumer reports

I am disputing 21 unauthorized US DEPARTMENT OF EDU that have appeared on my credit report as a result of identity theft. I did not apply for credit with these lenders, nor did I authorize any of these inquiries. These fraudulent activities have negatively impacted my credit score and were conducted without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit report. Please investigate and confirm the deletion of these inquiries within the required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANSUNION AND ASKED THEM NICELY TO REMOVE THE INQUIRES THAT WERE NOT AUTHORIZED BY ME NUMEROUS TIMES. I HAVE A TOTAL OF 9 INQUIRIES THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THESE AND I HAVE NO ACCOUNT ASSOCIATED WITH THEM. NO CREDIT WAS OFFERED. HERE ARE THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AS YOU CAN SEE SOME OF THESE ARE ON HERE NUMEROUS TIME. I AM ASKING THAT THIS BE LOOKED INTO IMMEDIATELY. THANK YOU IN ADVANCE.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

My credit card with XXXX XXXX is not being properly updated within the three credit bureaus to display my credit limit increase. Every month this becomes a problem and Im unsure on what end to point the finger.
Product: Debt collection

AMERICAN RECOVERY SERVICE INCORPORATED ( ARSI ) the debt collection agency has violated the FDCPA law by continuing to harass me with phone calls and messages. This is the phone number that has been calling me and leaving message. I have been receiving calls from this number XXXX and the last call was on Monday XX/XX/XXXX they have left me several messages claiming they are attorneys they want to sue me and garnish my wages. I do not owe this debt, and I am requesting for the purchase agreement of this debt and I would like the harassment phone calls to cease and desist.
Product: Mortgage

Due to the economic downturn of the housing bubble, I lost my job, unable to find work due to the economic collapse. Therefore, my wife was working and we tried desperately to re-modify my loan with Flagstar Bank. Flagstar Bank refused to re-modify my loan, resulting in my foreclosure. I also hired a real estate consultant to help me try to shortsale and fax the documents to Flagstar Bank, but nothing was ever done by Flagstar Bank. I feel as though I am a victim, that the house was sold from under me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

On my consumer report it says my account was closed due to fraudulent activity and I am unable to get a bank account heres the issue they say all calls are recorded I called the bank and reported my card stolen originally when all this started. I just need a bank account for my business period these consumer reports are hindering me from progress as a us citizen I never committed any fraud activity and I have yet to receive any proof from them or the bank of any kind they just keep saying the report is accurate yes I had an account but no I didnt do anything my card was stolen I called XXXX  XXXX XXXX and nobody fixed it to this day.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. 

XXXX XXXX