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

Today, XX/XX/21 I received a welcome packet and checks from TD bank for an account I never opened or authorized. I did not authorize the account or have any knowledge of its existence prior to today. After contacting TD bank this evening they confirmed they will close the account immediately which Ill be reflected in 2-3 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!
Product: Credit card

My card was closed unexpectedly without due cause or given necessary in formation in a timely manner
Product: Money transfer, virtual currency, or money service

I made a purchase through PayPal on XX/XX/XXXX of XXXX for a XXXX XXXX XXXX from a seller on a website called XXXX. Upon receiving the key, I realized upon me trying to redeem it that the key was invalid. I tried multiple times, did some research, double, triple checked that I was typing correctly, but it just did not work. 

Upon me figuring this out, I contacted the seller with my concerns, asking for a refund. They refused stating that since it was a digital key, once it was viewed I would be ineligible for any form of refund, even though they delivered me something with no monetary value since it didn't work at all. After I realized that the conversation was going nowhere with the seller. I made a dispute on PayPal and then they ruled in favor of the seller, allowing the seller to keep my money while they provided me nothing of value. I also contacted my bank to initiate a chargeback, but they were unable to do since the payment was processed via PayPal. 

This has left me with a worthless key ( could just be a random string of characters that happens to be the length of a windows key ), and no refund. This essentially makes PayPal an enabler of fraud. 

I believe this is overall unfair and a deceptive business practice. I was skimming through PayPal 's buyer protection policy, and they claim to " protect customers from fraudulent transactions '', yet in this case where I received no functional product PayPal still sided with the seller.

What do I want?

- A full refund ( {$24.00} ) - An explanation from PayPal as to how this was the conclusion they came to - A review of PayPal 's resolution process ( es ) to make sure that other customers don't remain unprotected In Summary : - Transaction Date : XX/XX/XXXX - Transaction Amount : {$24.00} - Seller 's Name : XXXX Limited - PayPal Case # : XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Number : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Checking or savings account

I am the primary caretaker of my parents, my father has XXXX and my mother has XXXX. Peoples bank on the XXXX XXXX in XXXX allowed someone to cash checks stolen from our mailbox. I found the fraud when I went to the bank to get on the account so I can do their online banking through the peoples app. We filed a police report, the case # is XXXX at the XXXX police department. Officer XXXX handled the case. Peoples allowed the same person to cash checks from places like XXXX XXXX and XXXX XXXX, so I fear it may be an inside job theyre trying to keep quiet. Were out around {$3600.00}, and my mom cant afford her medicine. I dont know what to do, they said it could take up to a month, but my mother may not have a month. The bank representatives have been no help, and the laziness of the branch working with corporate has ensured this gets dragged out. PLEASE HELP. Our utilities check was stolen and we may get our water shut off soon because one of the checks that was stolen was from the water company XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX. 
Ima available any time at XXXX, and by email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to XXXX XXXX, equifax, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and equifax seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX  to the other two bureaus but still have no response.
Product: Checking or savings account

I opened a checking account with Huntington National Bank online on XXXX XXXX with an opening deposit of {$9000.00}. 

Upon the promise of an incentive from the bank, I attempted an ACH transfer to them for an additional amount of money to them a week later, but for some reason, they thought the funds transfer TO THEM was fraudulent. This caused them to lock the account and block access to the account when I attempted to log in online. 

To date, the bank has not communicated the reason the account was locked via any means - neither e-mail, postal mail, nor phone call. Keep in mind not even paper statements were mailed. The only way I found out was after a lengthy one hour phone call and verification process in XXXX. I attempted to get them to unlock the account twice more after the initial phone call, but they were unreasonable in wanting new verification of my identity every time I called in, and rejected me verifying the account even though I answered all of their questions properly. 

Therefore, on XX/XX/XXXX, I requested the bank to close the account after another 45 minutes hold on the phone. Nothing happened. On XX/XX/XXXX, I called in and I spoke to XXXX in the electronic loss prevention department at XXXX, and he said he would close the account and mail a cashier 's check for the balance in full to the address on file. Many weeks passed after that, and still no check, and no communication at all. 

I made my final call to XXXX in the electronic loss prevention department on Friday, XX/XX/2021 ; she confirmed an internal note on the account in XXXX to close it and mail proceeds, and gave an excuse that another department was " still processing it. '' She was told a complaint to your organization, the CFPB will be filed if no check received in one week after that call. 

Therefore, I have exhausted every reasonable request to get my money back this bank effectively held hostage and earned interest on, while I wasted perhaps a total of 8 hours on the phone and in tasks just to try to access my money. 

Their communication was terrible, and their attitude was uncaring and illogical. 

Please force them to send me certified funds immediately. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account and address that do not belong to me.
Product: Credit card or prepaid card

XX/XX/2019 : called and made an attempt to pay off the balanced owed. Was told to wait til it went to the 3rd party. 
XX/XX/2019 : credit card still hasnt gone to the 3rd party. Offered to pay at least half and was denied! 
XXXX XXXX : called again to handle payment and was denied. Asked for 3rd party  information to contact. And she provided me with an invalid phone number. 
XXXX XXXX : I again tried obtaining the correct information and was put on hold for 35 mins for them to come back and say they no longer hold the account. 

I stopped trying after that and tried too just dispute it instead. Ive been trying to take care of this delinquent account and keep getting the run around! Im trying to establish my credit and this credit card has been my downfall.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a balance of {$11000.00} on my credit report. AvanteXXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud
Product: Student loan

In XX/XX/2022, I uploaded all my employment certification forms, which should certify 13 years of service. Despite this, I have been given the runaround for three years and have not received an automatic account adjustment or an updated count to discharge my loans. When my loans were transferred to the XXXX XXXX XXXX, I was informed that some of my years were missing, even though I had uploaded all the required forms. I reuploaded the documents on XX/XX/XXXX, but I have still not received any response. I have filed over six complaints, all of which were closed without resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, at XXXX ART, I initiated a transfer request with Wise Inc US for {$2000.00}, which amounted to {$2000.00} after the company 's transfer fee. On the same day, at XXXX XXXX ART, I executed the transfer for {$2000.00} to Wise Inc US, which, as of today, has not been credited. I routinely make such transfers every month or two, consistently using the same Wise Inc account and the same method ( Wire RTP ). It was surprising that it didn't go through even after five days. I contacted Wise support multiple times without success ; their responses were consistently, " Your money hasn't arrived ; we will notify you within 1 to 2 days when it does, '' but no notification ever came. I called the customer service number provided on their website, and when attempting to speak with an agent, the call was abruptly disconnected. This is outright theft on the part of Wise, and I demand a refund of my money, as I no longer wish to deal with this company, nor do I want the already transferred funds to be credited.
Product: Checking or savings account

For my account XXXX, it was closed effective XX/XX/XXXX. In this instance, they have about {$1400.00} left in my account between my check and my other savings. They told me a cashier 's check would be mailed on XX/XX/XXXX with the leftover funds. I talked to them today with no clear cut answer. Please follow up.
Product: Credit card

I paid the card in full on XX/XX/year>. {$70.00} I was charged a late fee on XXXX XXXX, XXXX. {$6.00} Interest on XXXX XXXX and XX/XX/year> {$2.00} & {$2.00} and a " Paper Statement Fee '' on XXXX XXXX, XXXX  {$1.00} I told them there was an unknown charge from a XXXX  sounding place " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$6.00} on XX/XX/year>. They claimed this is the reason for the charges. ( EVEN THIS WOULD HAVE BEEN PAID OFF ) So they ended up tripling my balance. 

Told them it was a mistake on their part. And they refused to waive the fees. I canceled the card and they reported me to the credit bureau. 

I went ahead and paid the outstanding balance to preserve my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX 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 and account without my written instructions.
Product: Money transfer, virtual currency, or money service

Spoke with representative on XX/XX/2022 and was informed to wait for refund from the fraudulent charge by XXXX in XXXX MI. Contacted customer service on XX/XX/2022 was transferred 7 times, hung up on, and was on the phone trying to get this resolved for over an hour. No one at this agency appears to know how to enter a dispute against XXXX. On XX/XX/2022 I was informed to wait until the XXXX day. On XX/XX/2022 I was informed to wait until 7 days. There needs to be training and coaching on how to handle dispute. Each person validated my information was of no assistance. No manager was available to assist and everyone is working from home.
Product: Mortgage

My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( XXXX, Experian, and XXXX ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the XXXX credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a XXXX form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the XXXX. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with XXXX, Experian, and XXXX, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In the month of XX/XX/XXXX something popped up on my credit report for XX/XX/XXXX for {$3200.00} from Southern management syst. I was never aware of owing any company that amount in that period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX alon, XXXX XXXX, bank of America, XXXX
Product: Checking or savings account

Someone gained access to my computer remotely through a virus, logged into my Chase savings account, added an external bank account, and transferred money out from my savings to this new bank account. During this entire process, Chase did not attempt any form of 2-factor authentication, or sent me any sort of notification that any of those actions were being taken place - the login, adding external account, or transferring money. I only saw that the money by happenstance as I logged into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acoount # 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 card or prepaid card

The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Debt collection

Two years ago XXXX and myself severed cable services due to inadequate services & business practices. When I discontinued/disconnected services from them & returned their equipment. My account was zeroed out and final. XXXX additionally requested that I disconnect equipment that they set up. Ie ; satellite dish, however XXXX refused to remove the actual dish, pole, etc from my property, leaving my property damaged as a result. Fast forward to XX/XX/2022 where I receive a letter at my home ( from collections ), stating there is a balance owed ( Two years later ). I've contacted XXXX repeatedly to request they remove the dish from my property to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no course of action being taken by the following XXXX, XXXX, and TransUnion. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XXXX/XXXX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XXXX/XXXX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX OF XXXX, and XXXX.
Product: Mortgage

Santander Bank issued an incorrect late payment on our mortgage. XXXX of 2020 reflects a late payment however the payment was incorrectly allocated to the prior months principal. We switched from online payment to a mailed check. It was received early and applied to the earlier month. 

We have spoken with them multiple times since XX/XX/2020. With the last phone call on XX/XX/2020 in which they agreed that the error was on their behalf. We received a letter dated XX/XX/XXXX that said they were researching the issue. They gave us an email address " XXXX '' to email for updates and reference '' XXXX '' in the subject line. We have emailed this address 2 x. The 1st time was XX/XX/2020 and the 2nd time was XX/XX/2020. There has been no response. 

We are unable to get a mortgage now for another home we are trying to purchase and suffered extreme hardship and loss because of this incorrect reporting.
Product: Debt collection

In XXXX XXXX the vehicle was a total loss. My insurance paid Honor Finance off. There was a balance owed by XXXX XXXX for the cancelation of the vehicle warranty. They have been calling and harassing me for months. They even tried to sue me in court. But on XXXX XXXX, XXXX the day of the hearing XXXX XXXX paid them by check for the balance owed. But here it is XXXX XXXX and they are still calling and texting my phone i have forwarded them copies of the email between me and there Attorney with a copy if the check and letter closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Setup " bill pay '' with XXXX, for mortgage held by XXXX Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' XXXX of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit card

I called XXXX XXXX on XXXX XX/XX/2024 to close the account. I had previously paid the account in full, which was over balance. The card was not used until all payments were posted. Then the card was used for {$15.00} at XXXX, then a payment was made before a statement. While on the phone with Indigo on the XXXX XX/XX/2024 I was told the account was in good standings and there was a charge for {$15.00}, but they saw the pending payment of {$15.00}. I was told the account could be closed and that payment would go through and no balance was due. Then I was emailed a statement saying I owe {$70.00}, which was an over limit fee and a late fee. They would not give me a reason except the account was over limit. I asked how is that possible when I paid the account in full, etc.