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

My PayPal Business Debit card was stolen. On the morning of XX/XX/2022 between XXXX XXXX it was used for 4 separate transactions at XXXX # XXXX in XXXX, WA. I immediately followed PayPal 's policy and opened a dispute for each transaction in their resolution center ( 4 total ) and filed a police report. On XX/XX/XXXX PayPal closed one of the disputes with a denial ( for the transaction in the amount of {$250.00} ), claiming the card was in my possession ( 2 of the other disputes were closed in my favor on XX/XX/XXXX and the remaining one is still pending. ) Their reason for denying my claim is wrong and does not make sense. XXXX has video footage of the transaction, and my apartment complex also has door access logs and video proving I was home at the time. I explained this to PayPal and attached the police report. Also, the transactions in question were only minutes apart, and the one they denied my claim for was the last one to occur, at XXXXXXXX XXXX. So by denying that case while accepting 2 others, PayPal is claiming they agree that the card was stolen and used fraudulently, but that somehow I had it back in my possession minutes later and made an authorized transaction, which is not logical at all. 

PayPal refuses to explain their specific reason for denial or connect me with anyone who made the decision. They will not let me appeal unless I have more documentation to add, but also won't tell me what evidence they have or need, and the main evidence ( video footage ) is something they need to follow procedures with XXXX and my apartment complex to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Have 2 New Inquiries 2 new inquiries were added to your report in the last 60 days, which indicates that you recently applied for credit. 

XXXX Inquiry Date : XX/XX/2019 Phone # : XXXX XXXX XXXX XXXX The above inquiry was made of me at XXXX in connection with a fraudulent, unauthorized ( not me ), and therefore entirely illegal application for credit with subject merchant unbeknownst to me until informed by XXXX. I have attempted to pursue, rectify and address the above malfeasance and transgression with the subject merchant to no avail. Therefore, I am resorting to CFPB for protection and redress.
Product: Credit reporting or other personal consumer reports

I saw this account opened and I did not authorize it to be on my credit report
Product: Checking or savings account

At the end of XXXX, I placed a order with XXXX, purchased a laptop. 
I received a package, but the laptop was missing from the package. 
I reached out to XXXX, but XXXX refused to help me even though I provided all the pictures and explanations. 

I called my bank, Capital One, and opened a dispute. 
After few months, Capital one closed dispute and said that I am responsible for it. 
I asked why it was closed in such way, but Capital one told me that they received document from the merchant. 
I asked waht documents were received, and they told me they received a receipt of the purchase. 
I was very confused, because I don't understand how the receipt affected the dispute. 

Capital One then asked me to submit the document, I submitted the documents on the same day. The document uploading portal mentioned that I could submit multiple documents over the time. I submitted the pictures, etc then contacted XXXX to obtain the invoice. 
While I was waiting for the invoice from the XXXX, Capital One closed the dispute again, even without reviewing the documents properly, and told me that they closed the dispute because I did not submit the document. 

I asked the Capital One what happened, then they opened the case again and asked me to submit the documents again... 
I really wish Capital one really looks into this matter, and defend the customer in a proper way.. the product that I paid for was NOT received. And XXXX refused to help me o or assist me further.
Product: Debt collection

A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. 
I have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. 
Enhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX CO XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  AUT Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX  after reviewing my credit report I discovered that I had been a victim of Identity thief, I then filed a police report with XXXX XXXX police department, and I filed a identity thief report with the federal trade commission. I then sent the police report, and the identity thief report to the three major credit reports XXXX, XXXX, and XXXX, about 30 days later the accounts were deleted. About 30 days after that XXXX reinserted two of the account 's account no # XXXX and account no. XXXX and XXXX reinserted one account account no. XXXX. I then contacted XXXX and XXXX and informed me that I would have to contact the creditor NAVY FEDERAL CREDIT UNION to furnish me the documents that they used to verify and certify these accounts. I then contacted Navy federal credit union by U.S. postal certified registered mail. Navy Federal never responded with the documents I requested. They did respond with a document requesting a account number, and additional information. I am enclosing the documents and correspondence I sent to Navy federal about this matter.

In according with the fair credit reporting act Navy federal has violated my rights. 15 U.S.C. 1681 SECTION 602 A STATES I have the right to privacy. also 15 U.S.C. 1681 section 604 a. section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX fromXX/XX/2018. 
A letter from XXXX XXXX  was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX  is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report sinceXX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.
Product: Mortgage

Originally had an FHA mortgage through XXXX Mortgage. Went into XXXX forebearance for the allowed 18 months and began paying again in XX/XX/XXXX to XXXX. Agreed on a flex modification with XXXX and began the trial period for modified mortgage in XX/XX/XXXX. 

After 2nd payment the loan was sold to Carrington. Kept paying Carrington same amount while finishing their flex modification paperwork and sent the signed paperwork on XX/XX/XXXX. They acknowledged receiving and said they were processing. In the meantime they started reporting my loan as 180 days late to the credit bureaus in XX/XX/XXXX. To date have not finished my loan modifications. ( 10x communications by phone, email, etc and I keep getting told it is in the process ). 

Now I am reading your organization took action against them just last week for these exact practices. 

I have paid this loan every single month since my covid forebearance was up. My credit score has now dropped from 800+ to XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I the consumer have the right to make sure my private information is not shared which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic information. '' These credit reporting agencies are in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report. 

These credit reporting agencies are reporting information regarding my payment history without my consent. I have not authorized them to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization.

I am exercising my right to opt out of your reporting services per 12 CFR 1016.7 that states " A consumer may exercise the right to opt out at any time. '' ( Furnisher of information to credit agencies ) The financial institutions and Consumer Reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked from XXXX, XXXX, and Equifax.
Product: Checking or savings account

XX/XX/XXXX I was out of the country on XXXX XXXX I tried to use discover banks wire transfer service to pay a tour guide recipients ( an account I have sent to before ) Amount was XXXX including {$30.00} wire transfer fee. When I sent a wire transfer a few months prior, he received the money within 24 hrs. This time I spent a week straight looking for where the money had gone. Even going with the tour guide to his bank to track it down. No luck. We are now at XX/XX/18. And discover still has no idea where my money went. Every time I speak with them theres almost no reassurance that Ill get my money back at all. Its almost a XXXX XXXX XXXX XXXX XXXX. I spent time trouble shooting asking the rep if theres something I did wrong on the swift code and she said it looked identical to the successful wire I did a few months before. I really need this money back because I had to drawl to still pay him. I hate that Im supposed to just accept that my moneys been gone for over a month with no answers. The recall has been in place for a few weeks with no updates as of a few days ago. Please help.
Product: Checking or savings account

On XX/XX/XXXX, XXXX unauthorized transactions {$610.00} and XXXX, totaling {$920.00}, were withdrawn from my account and transferred to XXXX XXXX. The funds were then used to purchase XXXX, which I was unaware of until I reviewed my transaction log on XX/XX/XXXX. Upon discovering the charges, I immediately contacted my bank to dispute the transactions, and they initiated an investigation. After approximately 10 days, I reached out to Discover 's Fraud Department and was informed that the case had already been closed. The reason given was that the merchant provided proof supporting the accuracy of the transaction, which I believe is incorrect. I informed the representative that I had additional evidence to support my claim, including documentation of unauthorized withdrawals from my account into XXXX XXXX and XXXX purchases. However, the representative declined to consider this evidence and decided to close the case. 

I believe my dispute was not thoroughly investigated, as no one from the fraud department reached out to me to verify the accuracy of my statement or to review the additional evidence I could provide. I respectfully request that my case be reopened, thoroughly investigated, and that a refund be issued to my account. 

On XX/XX/XXXX, XXXX unauthorized transactions, totaling {$930.00}, were withdrawn from my account and transferred to XXXX XXXX. The funds were then used to purchase XXXX, which I was unaware of until I reviewed my transaction log on XX/XX/XXXX. Upon discovering the charges, I immediately contacted my bank to dispute the transactions, and they initiated an investigation. After approximately 10 days, I reached out to Discover 's Fraud Department and was informed that the case had already been closed. The reason given was that the merchant provided proof supporting the accuracy of the transaction, which I believe is incorrect. I informed the representative that I had additional evidence to support my claim, including documentation of unauthorized withdrawals from my account into XXXX XXXX and XXXX purchases. However, the representative declined to consider this evidence and decided to close the case. 

I believe my dispute was not thoroughly investigated, as no one from the fraud department reached out to me to verify the accuracy of my statement or to review the additional evidence I could provide. I respectfully request that my case be reopened, thoroughly investigated, and that a refund be issued to my account. 


P.S. I have screenshots of withdrawals from my XXXX accounts on XX/XX/XXXX that were made without my authorization and were used to transfer XXXX  to multiple users.
Product: Money transfer, virtual currency, or money service

Received an email from my XXXX  account notifying me that my phone was deleted from my account. When I called I come to find out that both my phone and email has been flagged by zelle for " fraud ''. I never received any notification from zelle and I never have had a problem with zelle until now. I can't add another email and I use the service often since I send money often to friends and family to pay bills and other necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency is in clear violation of their own policy on top of violating portions the US Code. Upon speaking with an agent who referred to herself as an expert she refused to provide the information requested as it is not available and does not exist. Their privacy policy states that they must retain and provide a copy of the consumer consent that was provided from the companies in which they are giving non public information upon request from the consumer. They can not provide this as it was never obtained from said companies. Upon speaking with another agent he wasnt even aware of the policies in which he is required to perform under and informed me that I had to provide police reports in order to gain a copy of that information that is pertaining to myself. He also informed me that their company is not able to control, add, nor delete the information which they allow to be reported on my consumer credit profile. Upon this issue happening in the past the agent I spoke with was aware of policy and federal law and did her due diligence and corrected the issue at hand at that time. Also, there are derogatory accounts showing that should not be but this company refuses to conduct proper investigations in order to verify the validity of them, as again that is something they can not do. Per US law they can not just communicate with the creditor in question and return to me an answer that the account is validated. The policy and laws are still the same, however I am continuing to get agents who do not abide and create more stress and problems for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I
Product: Payday loan, title loan, or personal loan

I re-financed my original loan with the understanding that it would lower the interest rate. Instead I was given another loan with even higher interest.
Product: Mortgage

I am asking for SLS to audit my account, since servicing XX/XX/XXXX my loan. They have failed to provide any documents with the proper information and correct balances. I want them to show me how my XXXX paid since XX/XX/XXXX how it was handled. I am asking for a complete audit on this account, not typed in a letter but I want the detailed actual document that they are going off of to present on this complaint. I need to know that my money was handled correctly and there is no fraudgelent activity taking place. With these incorrect balances they have reported to the credit agencies XX/XX/XXXX more than 90 days late. SLS has failed to provide correct documentation to support their response and show any accuracies. This account needs to be audited immediately. this is what is place right now -- -- Defamation of character occurs when someone makes a false and harmful statement about you. " XXXX '' is a defamatory statement made in writing or posted online, while " slander '' is spoken defamation. Those essential components of a defamation claim are fairly straightforward. I also have approved phone calls with this company refusing to give me details on this loan. 

correct credit report, explain to me why I got a bill over XXXX for XX/XX/XXXX. 
then explain to me why on their website does it say XXXX. I am demanding this company to audit this account as it is my right to have documentation of all facts to the account. They have failed to provide any legal documents that are correct to me. Provide me supporting documents to verify the two different amounts on this account. Calculate how much money has been paid on this account since XX/XX/XXXX and give me the balance. Then explain to me how they got the balances that they got. this is illegal and they are committing fraud. I need to know my money has not been tampered with or embezzled by someone is this company.
Product: Credit reporting or other personal consumer reports

When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. Chase Credit Services agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXX XXXX  as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, XXXX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. XXXX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a 3rd party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the Wells Fargo Auto Loan that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid Wells Fargo from their profit. Wells Fargo acknowledged this issue and said they would remove the remark within 90 calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update.
Product: Mortgage

I purchased the property on XX/XX/2019 for my mother. I had my own residence and i told the mortgage lenders this when they asked if i was occupying the Property. They knew this before going on with the loan process. in XXXX I did a quit claim deed to my mother because she was living there as she is the one who lost the home in a foreclosure prior to this, and we are now realizing it was all done in fraud and will be seeking legal actions on that issue as well. My mother is being forced out of the home through illegal actions being brought on by a collection agency claiming to be the holder in due course and THEY ARE NOT! I have several complaints and will look into where each one needs to be filed.

- foreclosure proceedings started in XXXX XXXX XXXX but canceled due to pandemic relief actions - loan was sold and a totally different company with a new loan number-

over a year later the new servicer proceeded with foreclosure but did not do anything except pick up where the last one di. they did not resubmit anything reflecting the new company or loan number or anything! - a sale was conducted without my knowing anything and i researched everything and have documented many illegal proceedings done both by the attorney
( debt collector )

the Clerk of Court and the Sheriff office!! - proper required notice in the paper was not done, the appraisal which is supposed to be done at least
7 days prior to sell was not done but was done almost 2 years ago. and I pulled it from the record at the clerk 's office and someone signed the document on

my behalf. I have not given authority to anyone to sign on my behalf! -There are many errors on all the filed documents done on behalf of Lakeview Loan servicing by XXXX XXXX XXXX and they are not even the one who has the mortgageXXXX XXXX  is the one.

- a writ of possession was served last week to my mother and told to evict from the property but none of the other legal processes to an executory process was adhered to!

-ONE MAIN ISSUE IS THAT A LIEN ON THE PROPERTY DOES NOT EXIST AND HAS NOT EXISTED BY WAY OF A UCC11 SEARCH1111 YET THE CLERK DID NOT VERYIFY AND LAKEVIEW KNEW THEY DID NOT HAVE ANY UCC1 FILED IN ORDER TO COLLECT ON THIS DEBT111- I have come to learn of the deceitful lending that was done. I did not have to take out a mortgage in order to purchase the property because the property was paid for prior to the closing on the fraudulent mortgage loan by way of PURCHASE MONEY LOAN ( cash advance according to our USC!!! ) But because they saw a young naevi guy they assumed I would not figure any of this out! I was only given XXXX minutes to look at a XXXX stack of documents with words so tiny i could hardly see them and definitely was not given them prior to the closing as law says. in fact, a few of the documents were printed day of and some had handwritten date corrections on them.

I have so much evidence of the FRAUD that has taken place but this is not the venue to lay it all out. I am willing to answer any specific question and do pray for some assistance here before going any farther and higher up.

Thank you, XXXX XXXX XXXX BENEFICIARY