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

Created account long before phone # required. At some point Paypal suddenly required phone # to log in. NO alternate way to " verify '' account. Providing phone # requires acceptance of Paypal 's terms which include allowing them to market/harass at that number. These are unacceptable terms, therefore there is no way for me to log in. 

After multiple attempts closed account on XX/XX/XXXX. At that time was told there was no way to delete my information unless I logged in. Since I can't log in because I don't want Paypal to have any more of my information, this is a most brilliant Catch-22 doublespeak. 

Was told Paypal " might '' be able to delete data. Never received any further communication. Multiple emails sent to multiple addresses on XXXX, XXXX. No response. 

All personal information should be purged from Paypal databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have been applying for XXXX XXXX for the last XXXX months. But I have been having serious issues since XX/XX/2021. They have denied for only one reason, over and over again that " We're unable to verify your identity ''. In XX/XX/2021, I called them and they to check with XXXX  regarding my identity. I called XXXX and they said that everything ( Name, email, address, SSN, etc. ) matched and they sent a green check mark to XXXX XXXX XXXX XXXX XXXX Then XXXX said please reapply, there's nothing much we can do and this is what hurt me most, " You can reapply as many times as you want because it doesn't impact your XXXX XXXX until you're approved and accept the card. I applied again and again but declined for same reason and got same reply to reapply. 

They also asked me check if my driver 's license picture was blurry when I uploaded. I told them I scanned it under my printer 's scanner, so there was no chance of it being blurry. 

On XX/XX/XXXX, I reapplied again, rejected for same reason, and was tired now. I called them and told them to either approve me or tell me what they are not able to verify ( SSN, phone number, Name, address or whatever ) but they aren't telling me the reason only. They said they are escalating it to the UnderRiding department, and 20 days later, I called why I didn't receive the call in 7 days, they said it went to wrong department, so the other department just deleted that record. I was like whatttt!!!!! You ( a multi-billion dollar valuation company ) are saying my case went to wrong department and wasted my 20 days. This is just not acceptable at an international level from a billion-dollar company. This time they again begged me to reapply, and guess what, I reapplied in early XXXX and got rejected for same reason and this time, I couldn't bear it. I shouted if they don't give me the reason, I will complain to federal department. They said " This time, it's going to correct UnderRiding department as I am giving you a case number ( XXXX ) which is the confirmation of it '' I received a call 10 days later, in early XXXX stating something that made me write this complain " We can't do much on our end, we don't know what's wrong, please reapply, there's no other option ''. Like seriously? People who have access to my application and my credit report and everything can't figure out what's wrong and if nothing 's wrong, can't approve me? This is ridiculous.
Product: Debt collection

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the XXXX XXXX  Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my credit score
Product: Credit card or prepaid card

Hello, I bought a mobile phone on Amazon for about {$660.00} ( I dont remember the exact figure ) and I dont know why it turned into a credit card payment called Synchronous Bank XXXX Then I received the bill from the bank, and I sent a check for US {$660.00} according to the billing address, but a week later, they emailed me that the repayment was overdue and needed to repay US {$690.00}, so I followed their link and sent another US {$690.00}. I then called to explain the situation and they also refunded me the {$690.00}. Now the bank wants me to repay XXXX plus overdue fees. ( The check receipt from XXXX XXXX  has been sent to Synchrony Bank, and the email has also been sent to them ) I have been calling and communicating with the customer service staff for half a year and it has not been resolved. Please help the government to deal with it. Thank you! XXXX XXXX A screenshot of my remittance receipt is also pasted below, thank you ( it was sent by XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reported on my credit report without any authorization, it is hurting me DISCOVER PL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting

I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.
Product: Debt collection

The debt collection agency BRYANT HODGE AND ASSOCIATE calls and text consistently all year. When you call back goes to voicemail. They use multiple numbers, they do not thru text or phone service identify themselves as debt collector or offer the mini XXXX which is required to collect debt, contact information I have is XXXX XXXX XXXX, they have bill payer service website site with an address in XXXX XXXX but in looking up the agency in the past based in XXXX XXXX
Product: Credit reporting

I receive an email saying " An event occurred that could impact your credit score. Please log into your account to find out exactly what happened. '' When I log in, there is no indication any event -- mainly there are a number of marketing ploys, all of which cost money. Many of the ploys lure you into asking for additional information, then have you " place and order '' that you are unaware you will pay for. 

This seems to be behavior that should not be tolerated by an entity which we require to honestly and straightforwardly deal with our credit.
Product: Credit reporting or other personal consumer reports

I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer FICO score 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

XXXX, Experian, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.
Product: Credit card

Capital One XXXX XXXX XXXX Credit Card is not allowing to convert rewards to their airline partners. Keeps asking for authentication of my phone number to send a code but it does not work. Called the company three times. They said it sometimes happens but no help with any solutions or any time frame when this would be fixed. 

I have accumulated points but can not convert them. If I knew I would have never gotten this card. Capital One 's customer service is awful and not helpful at all.
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Payday loan, title loan, or personal loan

I received a phone call from my bank tell me there was a certified letter from an attorney 's office tell me they were putting a hold on my account. The hold was due to a payday loan company for a past due balance that I didn't pay. They gave me the attorney 's phone number telling me and extension telling me if I didn't arrange payment that they would put a lien on my bank account. 

The amount they told be to pay was {$1700.00}. I immediately transferred {$1700.00} to my checking account to cover the amount of this debt. 

When I called the bank to ask them about the hold my account they didn't show that I had a hold on my account. 

Now I am beginning to wonder if this was a bogus claim. I do show the letter from the company showing I paid the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : //www.experian.com/consumer-products/experian-XXXX-credit-report-and-score.html I purchased a one-time fee of {$39.00} for 3 credit reports. I was subsequently erroneously charged {$23.00} for the two following months. 

I spent an hour on the phone with an Experian-rep who wouldn't provide a way to identify herself, gave me false information, wouldn't transfer me to a supervisor, and wouldn't take my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute letter certified mail on XX/XX/2020 and have yet to receive any information regarding the dispute. The letter was never forwarded back to me and according to the tracking information provided by USPS they did receive my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 






XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXX XXXXL XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Checking or savings account

On XX/XX/XXXX I noticed unauthorized activity on my chase checking account ending in XXXX, via debit card ending in XXXX. Below are the fraudulent charges and status of each. 

XXXXPOS DEBIT XXXX XXXX XXXX XXXX AL XXXX ( chase credited account still under review by chase ) XXXXPOS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ) XXXXPOS DEBIT XXXX XXXX  XXXX GA XXXX ( chase credited account still under review by chase ) XX/XX/XXXX POS DEBIT XXXX XXXX XXXX  XXXX XXXX CA XXXX ( chase credited account, but company reimbursed amount after investigation closed ) XX/XX/XXXX POS DEBIT XXXX XXXX  XXXX WA XXXX XXXX ( 4 charges ) ( chase credited account still under review by chase ) I wanted to provide all information as most are still under review, but the one that needs immediate action is 04/12/2020-POS DEBIT XXXX XXXX  XXXX XXXX TX XXXX ( Chase is stating this transaction was authorized and will be taking back the temporary credit, they provided a tracking number USPS- XXXX. Chase stated this was delivered to my billing address, upon checking the tracking number this is not my billing location nor a location that I know anyone. Chase refuses to intervene further ). 

I have taken steps to secure my identity included changing passwords, ordering a new debit card etc. It is clear that fraudulent can likely be traced back to perpetrator who used my information on their XXXX account, this should help bolster my claim but instead I was accused of 1st part fraud with no resolution. Furthermore my account has never been compromised, its certainly not new and I have never had an issue prior. Its a bad first impression using their fraud services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

This is regarding a CitiBank. In XX/XX/XXXX I signed up for a promotional XXXX of XXXX XXXX on new purchases and received confirmation that the XXXX was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made several purchases. On XX/XX/XXXX I made a payment through the CitiBank website but unfortunately selected an old and closed bank account. The payment obviously did not clear. I instead made a payment on XX/XX/XXXX out of my current bank account, which cleared well before the XX/XX/XXXX due date. 

Since XXXX, CitiBank has been charging an APR of XXXX XXXX on the amount that did not clear on XX/XX/XXXX ( {$3100.00} ), which I only noticed this month. I communicate with CitiBank twice ( XXXX chat conversation included, also did a phone call today ) and the staff were unable to tell me why this was the case other than to say it occurred. I confirmed with them that the XXXX XXXX APR promotion is still in place and was not voided by the return payment. I reviewed the terms of my special promotion ( included ) which does not include a provision for this. I requested that they send me the terms by which this occurred and they tell me that there is no such document.
Product: Credit card or prepaid card

I have a capital one credit card and also a XXXX credit account and have faced some hardships recently and could not afford to pay the minimum required payment which took my account for 100 % on time payment to 95 % I want to get my payment back up as I am able to afford it dispite the hardship
Product: Credit reporting or other personal consumer reports

PAY for Deletion of debt settlement. There was an agreement to remove the debt upon payment. Payment was received by creditor, but debt not removed from credit report.
Product: Student loan

I attended XXXX XXXX  College XXXX in the XXXX ( remotely ) from Fall XXXX through XX/XX/XXXX for the equivalent of a XXXX XXXX XXXX, paid using Sallie Mae loans. ( This is because the school, and the U.S. Department of Education, insisted that I was somehow unable to use my federal student loans for my attendance. ) Since then, Sallie Mae has been, at best, difficult. I received my degree in XX/XX/XXXX and they attempted to collect payments prior to my receipt of my degree. Then, after receiving my degree, I notified them that my current financial situation ( public servant, with a wife who is a XXXX, in XXXX XXXX XXXX ) and my inability to presently pay the loan. They argued with me. In early XXXX, I fought with Sallie Mae repeatedly, until a high-level Sallie Mae executive wrote me a letter saying they had created a new program that would allow me to defer my loans -- for only three months at a time -- due to financial hardship. Since then, I have been calling every three months to notify them that I am still a public servant in XXXX with a XXXX wife and that I still am not in a financial position to begin paying my loans. I also notified them, in XX/XX/XXXX, that I have gone back to school for a graduate degree in law from the University XXXX XXXX XXXX XXXX XXXX ( remotely ). 

Now, I am approximately 45 days from having to begin to make payments on my existing Sallie Mae loans, because they have determined that I am somehow no longer qualified for this deferment/forbearance program and/or that I have used the program for what they decided was somehow too long. This ignores the fact that I will be in-school until at least XX/XX/XXXX. This ignores the fact that I live in one of the most expensive cities in the country, but live on a XXXX federal salary, combined with the salary of a local XXXX XXXX XXXX  Although we have been getting our financial situation in order -- to include substantially reducing our non-student loan debt load -- we are not yet sufficiently financially stable for Sallie Mae to be demanding payments. 

Sallie Mae has been disruptive and disrespectful throughout this process, constantly inventing new ways to tell me that I must pay them money I don't currently have. These two loans need to have their payments delayed/deferred until XX/XX/XXXX, at least, due to my in-school status and my ongoing employment, domestic, and financial situations. Sallie Mae, however, refuses to cooperate.
Product: Debt collection

Around the beginning of XX/XX/XXXX I was contacted by Credence Resource Management LLC ( CRM ) in regards to an alleged telephone bill from XXXX XXXX XXXX. 

I settled my final bill directly with XXXX XXXX XXXX in XXXX of XXXX. 

CRM provided me with a form to dispute the debt and request proof of the debt. I used their form to mail my dispute to CRM and to request proof of the debt.

CRM did not pause collections and did not provide me with proof of the alleged debt. 

In late XXXX I received another collection letter from CRM. To date, no proof of debt has been received and collections were not paused while they find and provide the required information.
Product: Debt collection

This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.
Product: Mortgage

I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.