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

The issues are several with Paypal going back several years and include account takeover, fraud, discriminating, and charging my checking account without my permission. Paypal as always says so what we won't make good. The first was several years ago someone hacked my Paypal accounts that i had at the time, transferred all my Paypal credit balance and all money I had in the account to my other account and drew it off, and then deposited bad wire transfers to the account and tried to draw that off. I tried to get them to follow banking laws and refund the money and go after the ones who did, even got my Law Firm involved and they said so what. In doing so they hurt my credit.

Now they keep trying to do an ACH withdrawal on my account for {$11.00} which my bank declines hits me with an NSF Fee of {$29.00} each time. 

Paypal has also had where they either allow money to be transferred but when I dispute the transaction they won't do anything to make it right and when I have tried to send or receive from a friend or to a friend they decline it as fraudulent even when we confirm it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

We are XXXX  who routinely spent our winter months in Florida. Due to XXXX, we were unable to come to XXXX in XXXX and XXXX. Our Suntrust Bank switched over to Truist in XXXX of XXXX and we have been unable to access the checking account since. 
With declining health, we can no longer live the snowbird life and want to close the account and withdraw the money, a significant amount to us- {$6800.00}. 
After many attempts to phone and email Truist, we finally spoke to a branch manager who informed us the account had been declared dormant in XX/XX/XXXX, less than 2 years since we last visited a branch XXXX Florida. I believe the account should have stated current for 5 years, by Florida law. 
The advice we were given was to contact Florida Treasure Hunters to claim our money. We have accessed fltreasurehunters.gov numerous times, both on line and attempted phone calls but we can not find any information in our account. 
We would appreciate any advice on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.
Product: Credit reporting or other personal consumer reports

Wyndham XXXX XXXX representative at their XXXX XXXX destination accessed my credit report without my permission and on contesting he was not ready to listen and instead started abusing us. We were fraudulently asked to attend their sales presentation and they accessed our personal info as well without our permission. They in addition also duped us of {$40.00} from our credit card and refused to refund that to us I would like to strongly complaint against their behavior and would like to get {$40.00} which they deducted from credit card. In addition we would like to ask for a compensation of XXXX Wyndham points for which they did fraudulent claims, did hard Enquiry on my report without my consent and forced us to buy those points
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

equifax had previously deleted the account labeled XXXX due to lack of validation on XXXX XXXX 2016 and recently re added it to my credit report without notifying me of this change violating the fcra
Product: Credit reporting or other personal consumer reports

I currently show a collections account on my XXXX and XXXX credit reports for SYNCB/ASHLEY HOME XXXX ( pasted ). After originally thinking that I had no Ashley Furniture account, I saw that had had one back in XXXX approximately that I fully paid off. After paying off that account in full, it was not used again. I was working for a different furniture store ( XXXX XXXX ) where I was able to buy everything for cash due to my discount. This new debt from Ashley Furniture is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. Experian, XXXX, and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX I called Transunion and was transferred to the fraud department to help me with my problem I noticed on my credit profile. I notice two unauthorized inquiries that I did not authorize. According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed! The agent by the name of XXXX XXXX said that and I repeat the system will not allow him to dispute inquires and that FCRA is incorrect. Inquiries mean that I applied for something.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX XXXX and TransUnion immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report I found 2 accounts that do no belong to me so I filed a police report and FTC Identity Theft report attached
Product: Debt collection

Omnipoint managment collected {$120.00}, then payments of $ XXXX monthly to collect for a debt of {$1000.00} it seems for a law firm. They were not the collectors of the debt. It was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Equifaxfor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I was promised  XXXX  $ dollars to switch from  XXXX   XXXX  to  XXXX   XXXX  come to find oylut it was lying tactics they use to get your business! I refer approx  XXXX  out of the  XXXX  I was promised!
Product: Checking or savings account

I got XXXX  XXXX And XXXX XXXXXXXX, During this time period someone accessed my account and used the funds without my authorization. I Filed a dispute with Chime and I provided documents to prove I was XXXX  but Chime approved XXXX transactions and denied the other XXXX transactions. I was provided with a temporary credit for the XXXX transactions. I asked Chime Dispute Team to confirm rather the documents were received or not but I got hung up on XXXX times. The problem is that if chime received the documents they would have to be saying that I didnt do the XXXX transactions and did the XXXX transactions but the paperwork would show that I was XXXX from XXXX thru XXXX at XXXX XXXX XXXXNow my account is in the negative and I dont have access to my funds and I am unable to pay any of my bills. I was told I had to XXXX a XXXXl and with the XXXX being processed and still open why is chime taking my money and refusing to provide the reason why my dispute was denied. I was XXXX XXXXXXXX and XXXX XXXXXXXX during this time my account was accessed and the person who did it sent money from my account to XXXX account but chime told me I couldnt dispute it because it was a member to member payment.So by my account being compromised I asked that the account be closed and a new one opened but got denied.
Product: Credit card

I received a call on XX/XX/year> stating that I needed to call back the Citibank Loss protection and when I called them they said there was a purchase that was made and asked if I authorized it they gave me the amount I said, no I did not authorize this purchase and from then on, I was on the phone with this imposter For about an hour giving him all my information and my Social Security number today on XX/XX/XXXX I called city bank credit card. I called the number on the back of my card that was different from the number I had previously called and told them of the incident they said I did have two charges on my card, one in the amount of {$920.00} and the other {$540.00} both made on XX/XX/year> I told Citibank that I did not authorize these charges and I asked who authorized these charges and they said it was a company called XXXX XXXX  so they flagged my account for identity theft and canceled my credit card
Product: Credit card

When I signed up for the American Express XXXX XXXX credit card a few years ago, I had a XXXX membership number that was tied to that account. Sometimes last year, however, that XXXX member number expired and I signed up with a new XXXX membership with a different membership number. About 4 months ago, I was told by American Express that my XXXX XXXX XXXX was a victim of ID Theft and that they were going to issue a new card to me. After a couple of weeks waiting for my new card, I contacted American Express customer service to find out why. They told me that it was because they had my old expired XXXX membership number tied with that credit card, and according to American Express, in order to have the XXXX XXXX credit card, it requires an active XXXX membership. I explained to them my situation, that I have a new membership number with XXXX. They told me to fill out a form to link my new membership number with the credit card. About 2 months ago, I linked my new XXXX membership number with my credit card and contacted American Express to send me my new card. Every time they told me they were going to send me my new card, it never comes, and I would need to call them again. This has happened more than XXXX times calling them and complaining to them. 

Three weeks ago, I called American Express customer service, and they told me they cancelled my American Express XXXX XXXX credit card without my consent! Then the representative started asking me about my personal info ( SSN, Birthdate, Income ), and when I asked him why he needed all that information, he told me he was going to apply for a new credit card for me to my surprise! Since I just wanted my credit card, I gave him all that info. A couple weeks past, and I still had n't get my credit card. Last week, I spoke with the supervisor of American Express over the phone and explained to him the situation and filed a complaint with him, and the supervisor " promised '' me that my credit card will be arriving on XXXX/XXXX/2015 and that he will be calling me to follow up if I received it. I did not receive my credit card. 

I have already put a lot of patience into this issue and have put as much effort that I could to get my credit card, and I do n't know what else to do besides write this letter.
Product: Mortgage

Hello this is my XXXX CFPB complaint and I have an open XXXX complaint as well. I have been calling the XXXX XXXX XXXX XXXXXXXX XXXX to speak with someone and no one answers. I have left several messages with the supervisor and not call back. Customer service doesn't know anything and they just tell me everytime they will have someone call me. Why is it so hard to speak with someone that knows anything. My frustration level is really at a all time high because I was very intentional and proactive with communication during the Partial Claim review, because of the training your Customer Service and Loss Mitigation representatives need badly I am in the same position I was in prior to the partial claim. 

Then right after the partial claim was implemented into the system and off cycle analysis was done to raise my payment and for what? I didn't request the analysis and there was not an extra payment made out of my escrow account that would trigger and off cycle analysis. If your policy is to complete an off cycle analysis after implementation to increase the monthly payment, right after an approved partial claim or modification that's not ethical at all but I wouldn't put that pass yall. 

I was informed that my credit suppress expired XX/XX/year>, even though I still have XXXX open complaints and I pretty sure that is a FCRA violations but seeing as Loancare has an abundance of those I am not surprised. 

I made a payment via XXXX pay last week so as of today I should be due for XXXX and XXXX, even though I should be only due for XXXX. I am still awaiting resolution for you correct the misinformation that was provided to me that was the reason the Partial Claim was signed in the first place. Like I previous said I can make XXXX XXXX XXXX XXXX payments for XXXX and XXXX to bring the loan current and take care of the shortage to my escrow in XXXX or XXXX when my analysis is completed I feel as though this is the easiest way to correct the delq payment as I can not afford XXXX full monthly payments to bring the loan current as I was unemployed for a few months, which was the reason I applied for the partial claim. XXXX XXXX XXXX payments only yo short the escrow are not uncommon in these circumstances and I work in the XXXX XXXX XXXX in my current position so I know it is something that can be done.
Product: Mortgage

My mortgage company has informed me that I am behind on my mortgage payments, however this is incorrect. I have not missed a payment, and I have submitted supporting documentation to my lender confirming their error. 

This error is likely because on XX/XX/2023, without my authorization, my lender drafted my account TWICE for my regular mortgage amount. I then disputed the additional month amount. 

The lender has also started incorrectly assessing me late charges. 

I have attempted on three occassions to resolve the matter over the phone, however the lender 's telephone representatives are unable to help, and requests to speak with supervisors go unfulfilled. The matter remains unresolved. 

Because the lender 's telephone assistance is insufficient, I have also sent a written letter to the lender explaining the problem in detail ( attached. )
Product: Checking or savings account

On XX/XX/ I walked into XXXX gas mart XXXX located at XXXX XXXX XXXX, XXXX, XXXX on or around XXXX. I purchased XXXX coffees and a pack of cigarettes, loaded my debit card in the transaction machine, put in my pin and put my card back in my wallet and left the store. On XX/XX/ I logged into my mobile bank app and noticed a charge from XXXX for XXXX. I thought perhaps it was some mischarge from the merchant or store. I tried to call the store to speak to a manager and finally got through to the district XXXX on XX/XX/XXXX. He told me he saw the charge, that there wasn't much he could disclose to me and that I had to go to the XXXX Police XXXX. to put in a police report as it definitely wasn't me. On XX/XX/XXXX I went to the local police dept in XXXX and filled out a police report with what took place located at XXXX XXXX XXXX, XXXX, XXXX, NJ. tel : ( XXXX ) XXXX. Case # XXXX Once I finally got a competent customer service rep at Citizens I provided all the details, including the day of the incident, submitting a police report and the case number. 2 days later on XX/XX/XXXX my account was credited for XXXX. I mean who spends {$530.00} at a gas station anyways, I was relieved. On XX/XX/XXXX  I log into my mobile banking app and see a charge for XXXX. It had been a while so I had forgotten about the gas station fraud and thought I was going through yet more fraudulent charges. There's others I'm fighting, one for {$200.00} that just got denied and one for {$400.00} that they actually covered. The amount of fraud cases I've been through since being a Citizens customer has been one half to a full dozen in the amount of thousands. I've never felt so unsupported by a financial institution. Especially when I called about the latest XXXX charge, they told me in writing " based upon our investigation, we concluded no error occurred. '' I called Citizens and they basically told me the fraud was on XXXX 's side and that I needed to call them. I couldn't believe what I was hearing and demanded the case be re-open and someone from the fraud department to call me immediately. He gave me lip service and said he would re-open the case and someone would call in 2 days. Of course, as always, no call. I can't tell you how many times I heard that song and dance. I took his suggestion and called XXXX XXXX Headquarters at XXXX and they were appalled that my financial institution told me to call them. They said they don't go that far back in transactions to do any type of refund and that my bank should be the ones calling them. So I call Citizens back a few days later and when I bring up my case number XXXX he tells me it hasn't been re-open and he would have someone from the fraud case call me in 2 days. This company is full of dishonest employees, fraudulent activity and do not do their due diligence. Please help, I had a witness with me, the discrepancies in what they charged vs. what they refunded me for is a bit disconcerting and I have no where else to turn. I can be contacted at any time via email or cell. If I don't answer please leave a voicemail.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX
Product: Credit card or prepaid card

Chase Bank holds a business credit card in my name for over {$40000.00}, and I have not been with the company for 12 months. In XX/XX/2019, when I was last with the company, the credit card was only {$20000.00}. They've refused to transfer over the card to the new Partners of the business, even though I've shown them, through the Secretary of State 's website, that I am no longer a part of the business. 

With this, Chase Bank has not notified me of when the payments are due. With this, they are not allowing me to make the payment online. They are now reporting that I've missed a payment.
Product: Credit reporting or other personal consumer reports

I've called and tried to submit disputes on my credit reporting for them to delete hard inquiries that I did not request credit cards. And they quickly responded. We can't delete hard inquiries. No investigation or nothing. I did not apply for those credit cards so they should be deleted off my hard inquiries per federal law. I've been dealing with this for a few months now. They should have been deleted a long time ago per federal law.
Product: Debt collection

Received a notice from Debt Recovery Solutions LLC stating I am in collections for not paying a personal loan taken out for {$1000.00} from XXXX XXXX XXXX. The balance with interest is reflected as {$1500.00} and was taken out XX/XX/2020 This is not a loan I had ever taken and could easily be validated if they check the account which the funds were placed in " XXXX XXXX account # XXXX The Debt Recovery Solutions account # for this case is XXXX and they can be reached at XXXX