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

On XX/XX/2022, XXXX charged my PayPal Debit card for two product renewals rather than the one due ( {$71.00} approx. ). I asked them for a credit. XXXX issued a credit ( {$71.00} ) through PayPal but PayPal never deposited that back to my account. 

On XX/XX/2022 XXXX ( my bank ) issues a temporary credit for the entire amount for XXXX products from XXXX ( {$260.00} ) On XX/XX/XXXX, XXXX finalizes the credit agreeing with me. 
In the meantime PayPal has suspended my card usage. 

On XX/XX/XXXX XXXX attempts to renew XXXX XXXX XXXX and the charge was denied by PayPal. 

I have tried to resolve the issue on the PayPal website but it never goes through and no explanation is given as to why. I've tried calling them but nobody picks up a phone- it's just a bunch of recordings. 

I have tried to change my payment method on XXXX and I did give another debit card but for whatever reason they keep trying to use the PayPal debit card. You can not reach XXXX by telephone. 

I do not want to lose the XXXX products as I am self employed and need those products to conduct business.
Product: Checking or savings account

XX/XX/2020 : I was unable to log into my Chase online account. I called their service number and they mentioned that I had to verify my identity at a local branch with two forms of identification. 

XX/XX/2020 : I went to a Chase branch in XXXX, CA. The service representative called a customer service representative about my account. They mentioned that Chase had decided to close my personal checking account ( that I had opened only a couple days prior ) and the service representative mentioned that I would not be able to have any future checking or savings accounts with Chase ever again. Also, the money that I transferred internally from my Chase business checking account to my Chase personal checking account could not be transferred out. I would have to wait for them to close my account and for them to send me a check in the mail.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with Cewdit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing significant distress and inconvenience. 

I discovered unauthorized transactions on my account, indicating fraudulent activity. Immediately, I contacted your customer service department to report the issue and initiated the necessary procedures to resolve the matter. 

Since then, I have made numerous calls, submitted written requests, and provided all the required documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these efforts, the unauthorized transactions continue to impact my account. 

I have attached a detailed timeline of my interactions with your institution, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The lack of resolution in this matter is causing financial strain and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urge you to conduct a thorough investigation into the matter, remove the fraudulent items from my account, and take necessary measures to prevent any further unauthorized activity. Additionally, I request clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will be compelled to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was not given proper notice under the FDCPA prior to this item being placed on my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud someone used my credit card fraudently in the amount of around XXXX dollars in XXXX of XXXX. I disputed this amount to the issuer with a police report to the issuer to no avail. The account issue is XXXX XXXX XXXX I then disputed it with all 3 credit bureaus to include transunion. I sent certified letter on XX/XX/XXXX to which i explicitly used my rights under the fair credit and reporting act. A copy of police report as well as copies of documents verifying my identity. Tranunion removed the credit account entirely in XXXX of XXXX. On XX/XX/XXXX tranunion readded it back to my credit report. I called Transunion at that time and spoke to the dispute center. The account added back was reporting a {$0.00} balance. As of XX/XX/XXXX transunion has now reported late payments and missed payment as well as an incorrect amount on my credit report. The fair credit reporting act states that condumer reporting companies will block fraudulent information from appearing on my credit report. I sent a copy of a theft report as well as letter telling tranunion what information was fraudulent. You accepted my report and removed all information regarding the issuer from my credit report. The information I sent stating that the charges were not authorized and did not pertain to any transaction I made was true and correct. I am asking transunion to remove the inaccurate information off of my credit report as it violates the The Fair Credit Reporting Act
Product: Mortgage

I bought a condo with XXXX other people ( Husband/wife ) 10 years ago. 
They divorced and he declared bankruptcy. The property was quit claimed over to me. I have been making the payments on the loan on my own for approximately 6 years. The lender/servicer is OCWEN. I have called them numerous times and spent hours on the phone with them. I have sent them the quit claim 3 times. It takes FOREVER to even be able to speak with someone, as they say can not find my name on the loan. I have never received a XXXX mortgage interest statement in the entire 10 years that I had the loan. The loan does report to the credit bureaus. I have recently refinanced this loan, so it is now closed. There was a refund check issued and it is made out to the borrower who declared bankruptcy and quit claimed off the property. I have called OCWEN again and am now being toold I need to send a letter to the research department as they once again can not find any of the documents that have been sent to them multiple times. Again, this problem has persisted for over 5 years.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX on XXXX, XX/XX/year>, XX/XX/year> to confirm and inform them my credit report shows my account closed. I was reassured the account is open due too the account under SCRA.
Product: Credit card or prepaid card

I opened this account on XXXX under a set of promotions listed on this website https : //partners.sofi.com/creditcard-mg-1/ ( operated by the bank in question - SoFi.com ( I have attached a PDF ). I have met the requirements for the 3 % rebate on all credit card purchases and also for the XXXX bonus as I have now charged XXXX {$1500.00} on the card. I have emailed them on separate occasions on XXXX, XXXX and XXXX to inquire about these two promotions, as well as two phone class to their support number. Today ( XXXX ) I received a email stating I would not get the 3 % because I did not go through a link on XXXX, although this link I used is publicly posted on many consumer websites, is still active, and goes directly to a sign-up at XXXX, so the bank is using it to recruit new account-holders, and apparently refusing to honor the 3 % or the XXXX. To their credit, they have posted XXXX to make up for not honoring the 3 %, but I still believe XXXX needs to honor the XXXX promotion. Again, this is the link I used : https : //partners.sofi.com/creditcard-mg-1/
Product: Mortgage

On Wednesday, XX/XX/XXXX I contacted Security National Mortgage to follow up on a automated call received on Tuesday, XX/XX/XXXX. I was advised that although it was only the XXXX of the month that I was receiving a collection call. While our due date is the XXXX of the month, our payments are typically paid on the XXXX due to income posting to our accounts to ensure no issues with the payment processing. Not once has the payment ever been past the grace period of processing or assessed a late fee. 

The Agent ( # XXXX ) who I spoke to was rude, obnoxious and threatened to hang up on me if I didn't stop talking. This while I was trying to request a supervisor to speak with. I was told there wasn't a manager available and no matter how long I held there wouldn't be anyone available and that no one would speak to me. I was told my only option was to request a call back which to date has not happened. 

Some back story, since XX/XX/XXXX, when I were furloughed from my primary employment I have been trying to coordinate with the mortgage company however their mail items, website and emails were all extremely vague as to what we can do to defer payments on our loan during this pandemic. As requested via their phone system and website, I submitted in inquiry online and after 10 days received an email that I didn't submit the email correctly and had to resubmit my inquiry again. By this time our XXXX payment was processed ( on XX/XX/XXXX ). A couple of weeks later ( XX/XX/XXXX or so ) we received an email advising that we were to approved for the forbearance ( we never requested only inquired about options ) and that we could skip our XXXX payment which was already posted to our account. The email and mail items advised that the forbearance was the only option and that we would be responsible after 3 months for the back payments plus daily interest during the time period. 

Since we are already in a financial hardship we couldn't take the risk of not staying current. We did everything we could to make the XXXX payment yet on XX/XX/XXXX and Security National still had their automated collection calls set to call us for payment on the same day. 

We are a hard working family, we were current on all payments since our loan closed over 3 1/2 years ago and being treated like we were is just wrong. Security National is not working to helps its lenders, they are providing misinformation and making it extremely difficult for their customers to get service and / or proper information from their team. 

In a time of helping people impacted by this pandemic, this company has demonstrated they are not caring or willing to assist anyone but their bottom line. It is disgraceful and someone should know. We have every intention of refinancing our home the second we are both fully employed again to ensure we don't have to give them any business or one penny of our hard earned money in the future.
Product: Credit card

I had a complaint with a dentist. I hired him to replace XXXX crowns. For XXXX pesos. We are in XXXX. The dentist instead removed XXXX XXXX that I did not ask, or agree to be replaced and did not replace the XXXX crowns. The dentist stated he would do that in 10 days. Upon check out I placed my credit card on the waiting room counter. The secretary took it and charged the card for the XXXXXXXX. Which would have been a total of XXXX pesos. I did not get a receipt or sign it. However my transaction allert showed they charged {$2000.00}. Much more than agreed upon and I had not gotten any of the work, the XXXX crowns done. I got angry they showed me a bill for the replacement of XXXX XXXX, which I was not told was going to be done, and I did not want done. I did not believe the XXXX were replaced and filed a complaint stating that. However the XXXX XXXXXXXX did fall out as I developed an XXXX. That would indicate the XXXX were replaced but not done correctly. In either case I am not reponsible for payment. And resent the sneeky way my card was run. I had the evidence to prove all this and contacted Discover asking if I should provide it. I was told not to until the merchant files a response. The merchant did, they did not notify me and denied the claim. I have since provided the information but am not confident they will even look at it. 

Thank you so much for your help!
Product: Checking or savings account

I didnt authorize a charge/payment of {$500.00} to a person named XXXX that I dont know on XX/XX/2024, my checking account was hacked. I contacted JPMorgan Chase fraud claim department on XX/XX/2024. The fraud specialist/representative from Chase provide me a credit to reverse the charge and file a claim. After a month of investigation into the claim on XX/XX/XXXX, they reversed the claim and denied it.
Product: Vehicle loan or lease

XX/XX/XXXX. I applied for financial pause in payments due significant other having XXXX XXXX and house flooding and was creating financial backing in the even she needed help. I used my cell phone while working XXXX as a XXXX XXXXXXXX in a rural area and pressed yes to process and finalize the pause in payments for 90 days. XX/XX/XXXX came around and my truck was repossessed with any notificatinon via email of phone calls, voicemails from XXXX numbers were dificult and next to impossible to understand as the call center was from another nation. I called to inquire and was told by two differant agents that XXXX XXXX XXXX cash was to be sent to get my truck out of repossesion. This was done within 6 hours. The following day I called to see if the XXXX XXXX  was received and I was told the wrong amount as it was XXXX. I was able to have the truck released however the repossesion which was wrongful was on my credit report and after spending multiple days in XXXX to get an extension on my lease I was told I was not able to do so without reasoning. I than called to find out when I need to have the truck returned to the Dealership. I was than informed XXXX $ outstanding balance and that I payed in 10 minutes. Never received any notification that my extension was approved. I went to 10 dealerships to tade the truck in and all the buyouts were different and fluctuated by XXXX XXXX The dealerships were also given my buyout for whatever reason so XXXX XXXX tried to take advantage of this and when I enquired about a Lease buyout I had not received any information, let alone was able to speak to anyone as I was diconnected by Ally reps or connected to a completely different company. However, XXXX XXXX XXXX was able to get through within 5 minutes and tried to undercut my buyout and I was not given any buy out packet by either Ally or the dealership. In the attempt to not have the truck repossessed I had to go to XXXX XXXX XXXX and trade in the truck and due to the Late payments, repossesion, and hard inquiries that I had not given permission to ALLY my credit score was poor, thus creating financial hardship with a used vehicle that I would be able to afford if my credit report was recitfied by ally and their wrongfull reposession, late payments of 90 days which are due to the same situation I would not be in this predicament. I served our country in the XXXX for 12 years and am a XXXX veteran, and currently a XXXX XXXXXXXX. I wish to have at the very least my credit report corrected and have the opportunity. The entire lease from XXXX I was not able to use the app or login despite calling and inquiring and not able to establish auto payments and was nearly late on every payment despite paying the entire loan in full.
Product: Checking or savings account

I had a checking account with Wells Fargo I was putting my money into my account and someone else was taking out the money without me knowing During this time I was taking care of my father. I wasn't getting any statements during. I made a complaint to the bank. However, they wouldn't help me. Please help me by getting my money bank from the scammer. Thank you and God Bless. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and Experian. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX Pinnacle placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to Pinnacle for debt verification documents as I have never dealt with or had any legal obligations with Pinnacle Recovery INC. They sent me documents. I again disputed the information with XXXX for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. Pinnacle Recovery verified inaccurate and false information on my credit file. XXXX continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with Pinnacle Recovery INC and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered XXXX to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. XXXX allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data XXXX is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT OPPORTUNITY TO CURE I am writing to file a formal complaint against TransUnion for its blatant violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I have reason to believe that TransUnion has engaged in illegal actions by furnishing inaccurate information, failing to conduct a proper investigation into my disputed account, and violating my privacy rights by not providing me with the option to opt in or opt out of its data sharing practices.

TransUnion 's mishandling of my credit information has caused me immense mental and emotional stress. Despite repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and has continued to furnish false information. This has resulted in the ruining of my credit reputation, making it difficult for me to access the credit that I need to move forward in my life.

Furthermore, TransUnion 's violation of the GLBA by not providing me with the option to opt in or opt out of its data sharing practices is a serious concern for me and many others who value their privacy. TransUnion 's disregard for my privacy rights is unacceptable and I strongly believe that they should be held accountable for their actions.TransUnion have exhausted allotted time by law. So they must remove.so again im asking, " Please authenticate and provide me proof that I am, LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. 
Therefore, I am requesting that TransUnion compensates me for the damages caused by their illegal actions. I believe that I am entitled to compensation for the mental and emotional stress that I have experienced as a result of TransUnion 's mishandling of my credit information. I urge the CFPB to take immediate action against TransUnion to ensure that my rights as a consumer are protected. 
Thank you for your time and attention to this matter.