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

I purchased XXXX cryptocurrency on PayPal cryptocurrency Exchange. On Saturday XX/XX/XXXX I attempted attempted to sell the XXXX and PayPal denied mean that ability over a dozen times. PayPal then proceeded to demand that I send them copies of my driver 's license and copies of bank statements for my credit and debit cards. Note that PayPal did not demand any of those things BEFORE they took my money but demanded them when I wanted my money back. PayPal 's use of the stall tactic ensure that by the time they allow me to sell the XXXX it has significantly dropped in value. Now that PayPal has finally allowed me to sell the XXXX they are beginning another problem for me by refusing to let me get access to the cash. They are denying me the ability to send it to my own bank or back to my debit card. They are denying me a PayPal debit card so that I could use the money while still in the PayPal account. They are denying me all access to my money and even denied me the ability to close the account or remove any of my debit or credit cards from the account. Bottom line is Paypal has stolen my money, refuses to return it to me, and refuses to let me close the account. PayPal is committing theft and they are committing fraud. I want my money back and I want my account permanently closed. They owe me at least {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX My social security number is XXXX I had fraudulent activities on my credit report due to an old roommate I disputed the claim they approved the claim but the discrepancy is still on my credit report also I had a car payment discrepancy where they sent the money back and it was not my fault it was due to the financing company switching payment methods I also disputed that and it was also approved because the vehicle was paid off with the next payment but it's still on my credit report also I'm trying to clear all this up so I can get a loan for a house My information has been used fraudulently a few times through the years and I'm just now learning about a lot of it and trying to clear it up I would definitely would appreciate some help
Product: Vehicle loan or lease

I have a cancelled GAP {$1500.00}, refund goes to payment of the principal one time, then spread -out into 5 months payment starting XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, resume payment XXXX XXXX, so I paid XXXX XXXX and XXXX XXXX in the of {$300.00} each month, what happened the payment of {$300.00} for each goes straight to Finance Charge, as explained to me, the last payment they received was {$30.00} last XXXX XXXX, no payment for 5 months they said, I am losing 2 months principal payment, plus another 2 months in the future payment, because if my XXXX and XXXX payment was shared with principal/fin charge my monthly installment of XXXX will become 63 months, but it stop to 65 month because everything went to Finance Charge.
Product: Prepaid card

I tried to use the atm to withdrawal money from my account on XXXX/24. ATM responded on a receipt unable to process transaction please contact your financial institution for more information. Contacted them and they said they are seeing nothing on their end to try again in an hour. It is now XXXX/24 and my card is still not working. I can not even check the balance at the atm at this point. I have {$1700.00} dollars in this account. My husband has an account with them as well since we had our baby XXXX24. He is having the same issue and receiving the same response of everything is good on our end please try again later. Collectively we have about {$3000.00} on both cards.Ive attempted to use my card on XXXX and it is getting declined as well. Attempted to make a rent payment and that is also getting declined. My daughter needs formula and diapers. I am severely stressed over this situation and keep getting nothing but the run around everytime I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid collection account that was closed on XX/XX/XXXX from the Department of Veterans affairs on my Experian credit report that's showing a " failed to pay '' as of XX/XX/XXXX. I disputed the account in XXXX, XXXX but wasn't successful. I contacted the creditor ( Veterans Affairs ) in  late XXXX, XXXX to see if they could send my account information to Experian to let them know that the account was closed and paid in XX/XX/XXXX, the creditor sent the information to Experian and that was unsuccessful. The original amount was {$460.00}. not including the penalty. The amount I paid was {$600.00}. 

When a dispute is filed, Experian updates the " failed to pay '' as failed to pay XX/XX/XXXX, failed to pay XX/XX/XXXX and so on.
Product: Money transfer, virtual currency, or money service

PayPal limited my account last XX/XX/XXXX. They said that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. I tried to explained to them that my account has been hacked and someone used it to illegal activities. I tried to call them and email them this past month explaining my side but my appeal turn into deaf ear.. Now that I got back my Paypal account to the hacker. Changing password and changing the phone number so that It will not hack again. I would like to use it again because this is where my boss send my monthly salary and this is where my clients is sending their payments. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Student loan

In XX/XX/XXXX, my husband and I refinanced our mortgage loan taking some of the equity to repay college loans. One of them was a XXXX XXXX loan for my daughter, XXXX. We instructed the bank and the mortgage lending company, XXXX XXXX, to send {$19000.00} to XXXX XXXX to be applied to the principal of my loan. This was my agreement with XXXX XXXX, along with instructions that I continue with monthly payments once the funds were applied and new monthly amounts were determined. I did not receive further payment information from XXXX XXXX even after a phone call inquiry. Sometime after the payment was made, XXXX XXXX and Navient separated. My loan was apparently assumed by Navient without my knowledge. I have not moved in over 25 years, so mail should not have been an issue, nor phone numbers. Navient apparently considered the payment as " payments toward the future '' and did not recalculate monthly payments. This step was to their advantage as they continued to add interest charges to the loan amount. This is most disturbing as I have been informed they have tacked almost {$7000.00} onto my loan. Why would I have made a bulk payment of over {$19000.00} only to incur an additions {$7000.00} in interest? Since XX/XX/XXXX I have been receiving nearly daily phone calls about late payments to a company I knew nothing about. I never received any paperwork from the company, and therefore, knew nothing about who they were or what loan I had with them. It took multiple phone calls to get accurate information and weeks to get ANY paperwork from Navient. Even then, all I received was a copy of my loan origination papers NOT current loan amounts or payment amounts. I last spoke to a representative with Navient on XX/XX/XXXX with no satisfaction to my inquiry - only being told this is the way it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I had a trip booked to XXXX XXXX and the merchant I made lodging arrangements was unresponsive to my cancellation requests when needing to cancel to flights being cancelled amid COVID-19 pandemic conditions. I started a dispute and was credited this amount immediately. My stay was booked for XXXX XXXX and I filed my dispute and attempted my cancellations prior to these dates. My dispute charge was recently re-billed to me and upon inquiry I was told a letter was sent to me for response after the merchant wrongfully claimed I attempted to cancel after my booking date. This letter for my response during the dispute never reached my and a representative from Capital One and Visa never attempted to inquire about my response either. Now both companies are claiming the window has closed even though the merchant falsified information in my dispute case ( something my credit company itself admitted now ). I am now responsible for this charge for a service I was completely unable to use due to both travel restrictions and the hotel itself being closed. I have also been informed on a recorded line by the card company that they may have not sent me a letter requiring a response so I have had no chance to ever defend my position in this matter. My last interaction resulted in the representative telling me the Hotel is likely trying to take advantage of both me and them by falsifying information and somehow this is still now enough to refund me.
Product: Money transfer, virtual currency, or money service

I wanted to open more CD accounts with XXXX as they have pretty good rates. 

We transferred money on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from National Bank of Arizona to XXXX to open more CDs. I kept the transfers at XXXX each so you XXXX XXXX did not bother me about the transfers as the XXXX advised me in an article you banks report everything above XXXX. I was just trying to buy some stupid CD 's. This was money we had sitting there anyway, I wanted our money to make money as we are getting old. 

Anyway, XXXX swears they sent the money, I have tracking numbers, XXXX said they did not receive it, they both want me to blame the other one. 

I requested a formal meeting over the phone, with XXXX, my husband, and myself, to straighten this out, XXXX said they could not do that, but I could call the XXXX line and set up a meeting with whoever answers the phone. 

So, we have XXXX, sitting in limbo, somewhere, and neither bank seems to want to claim responsibility. 

I have everything documented.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX XXXX  received {$740.00} from XXXX XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) FEIN XXXX, received the amount on the same day. After couple days, XXXX noticed that XXXX account suspended due to a fraud activity. Wells Fargo insisted that it was filed by the sender 's Bank ( XXXX ). The sender and his bank did not file a complaint. Wells Fargo not giving any answer who filed the complaint. It is a serious matter because people sending money through XXXX. It will not be possible to change the email because it is attached to website of XXXX. It is requested that the XXXX account should be restored on the ground that there is no fraudulent activity.
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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was notified by my XXXX monitoring service that an account was opened by Keybank using my social security number. I have never used Keybank and have never opened an account with them. I do not live any where near a branch of Keybank. I contacted Keybank in XX/XX/2019 to find out who, why and what type of acct was opened using my social security number. 

Keybank would only confirm that an acct of some type was opened in XXXX, Oregon at the XXXX and XXXX Branch with my social security number but not my name. I then contacted XXXX the branch manager in XXXX. She did confirm that they had opened some type of acct for a known customer with my social security number. It took several days for this client to come in and provided their correct social security number. 

XXXX reassured me that this was a mistake and that it was corrected. She would provided no information about what type of acct was opened. She reassured me that the bank legal department would send me a letter in writing clarifying that they removed my social security number from the acct and would no longer use my number on further accts. XXXX stated it was just a " mistake '' not fraud. This discussion took place in XXXX and I waited until XXXX thinking a letter would be arriving in the mail. 

No letter and no further contact by Keybank was made. I contacted the branch manager again on XX/XX/19 and she told me she called the executive legal department and that they would be calling me by the end of the week. She stat that she herself would also call me on Friday, XX/XX/19, to make sure the legal dept had made contact. As of today, XX/XX/19, I have not heard from Keybank or from XXXX the branch manager. 

Over the weekend I did post on Keybanks XXXX " visitor post '' my story. I did receive a post back saying they would " look into this for you. We'll let you know as soon as we have any updates. '' However, I still have had no contact from the legal department, XXXX or Keybank representative. Today I finally contacted the FTC and they gave me the phone number for CFPB so that I could file this complain.
Product: Debt collection

i was sued and my wages were garnished for a account that was identity theft and the company refuses to give me my money back also put a judgment on my credit report this is gone way to long now they dont answer me case # is XXXX i have sent all paper work for this and they ignore all request
Product: Mortgage

I already described it, but it went away. Will try again. 
My mortgage was with PNC Mortgage, my heloc was with PNC Bank. 
Our credit was great, until my husband died 3 years ago, I had to filebankruptcy, Chapter XXXX. Mortgage & Bank continued to be paid. 
After the bankruptcy the mortgage company would not send me anew payment book, the Bank would not report my payments to thecredit bureau. I needed to get some credit again, I needed to refinancehouse because of a balloon payt with PNC. Could not get a credit card. 
I have now refinanced, am finished with PNC and would not ever referthem to anybody, would warn my friends. I could not get an answer asto why they were not reporting.
Product: Checking or savings account

I had XXXX fraudulent charges in my account from merchant " XXXX XXXX ''. The first transaction was on XX/XX/year> for {$16.00}. I contacted XXXX at this time and disputed the transaction. They closed my debit card at this time and sent me a new debit card in the mail. A second fraudulent charge then went through my account on XX/XX/year> for {$100.00} from the same merchant ( after my card was closed and I had my new card ). I contacted SoFi again and explained to them that the merchant must have access to my account number since they gave me a new card but another fraudulent transaction went through. SoFi gave me XXXX provisional credits and said they needed time to investigate the transactions. I then closed out my XXXX account to prevent any additional fraudulent transactions from going into my account. 

On XX/XX/year> I received an email from SoFi stating that they determined the first transaction for {$16.00} was unauthorized activity. They then sent me another email on XX/XX/year> notifying me that they determined the {$100.00} transaction from the SAME merchant was NOT unauthorized and they would be taking the provisional credit back out of my account on XX/XX/year>. 

I then contacted SoFi to dispute the decision and explained to them that a mistake had been made by their Fraud team and both transactions were indeed fraudulent. The phone representative was unable to help. I then asked for a copy of the documents they used in reaching their final decision and they were unable to provide any documents ( even though the email they sent me explained that they would be able to provide these documents ). I then explained to them that I would be filing a complaint with the CFPB. 

I am a XXXX XXXX  XXXX for a XXXX XXXX and can tell you from experience that this dispute was handled very poorly and the decision was wrong. The response by SoFi is unacceptable. How can you determine XXXX transaction was fraudulent but then determine another transaction from the SAME merchant conducted several days later for MORE MONEY AFTER A CARD WAS BLOCKED was not? I have been a SoFi customer for almost XXXX  years, I have a credit card with SoFi that I use everyday, and have had XXXX  loans with SoFi which were both paid in full but I will be banking with another institution unless this decision is reversed. I have no confidence in SoFi 's ability to handle Fraud after this.
Product: Debt collection

I set up a payment plan with the company spoke to someone on the phone 3 weeks ago. They lied to me when and said they money owed could be split into four payments. I said on the phone I do dont want anything auto withdrawn then this Friday the XXXX they withdrew the entire amount with no permission to do so and refuse to reverse the charge leaving me with no money. Saying I agreed to auto withdrawals on an agreement but was told the agreement was the exact opposite.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep  removing this collection then the company threatins me and puts it back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. 
I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX XXXX. XXXX