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

I got notification from my bank that money was taken from my account via paypal ... my paypal account was some how hacked or compromised, I immediately called paypal and told them I didnt make that transaction and to cancel it, because it was unauthorized .... they reply saying case closed in the seller ( the person that got the money ) favor because they determined there was no unauthorized use .... and to try to work it out with the seller, thats crazy because how am I to work out something with someone I don't know or have any contacts/business with .... they are they XXXXne that knows the person on their system and should investigate them to find out how and when we made a transaction and show proof, paypal is a scam and will not protect fraudulent transactions, their system show a new computer and passkey was added to my account and immediately funds was transferred in XXXX to some random person and refuse to help .... I need assistance .....
Product: Checking or savings account

I noticed that a XXXX withdrawal was made on XX/XX/year> from my XXXX XXXX account. The information I found online was a withdrawal slip with the incorrect name listed. I called Custer service, 2 different times, to file a dispute. Was told I had to go to the bank to file a dispute since it was ran as a check withdrawal but the picture clearly states this is not a check. Asked what bank that this withdrawal took place and they could not tell me that. You have to go into a branch to get this information.
Product: Debt collection

on XX/XX/XXXX I attempted to pay a debt I owed for an apartment in XXXX. The amount on my credit report was {$3700.00} but the original amount was {$2500.00}. In an attempt to pay the original amount which I can pay I was told they could not remove the interest amount on the account. {$1200.00} more dollars is highway robbery on a debt. I was unable to pay because I XXXX my XXXX  in the first place and now I am able to do so and they are unwilling to help. They wanted to put a down payment and then pay the rest which would continue to incur interest meaning I may not be able to make those payments and end up in the same situation. Something needs to be done about this. They've purchased the debt for little of nothing and want to charge you more for having it. I never received any correspondence from this company regarding the charges or interest. I only found out when I checked my credit report. Something needs to be done to stop this. I am willing to pay the {$2500.00} to have this taken care of. It's like paying the same debt twice at this point which is crazy to hard working consumers. I have recorded the conversation as well and will upload so you can hear how she talked to me. I didn't appreciate how I was talked to you as well when I was only trying to pay off the collection that is it.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are reporting a fraudulent account on my credit file, which does not belong to me. There is a XXXX XXXX credit card account appearing on my credit report, despite the fact that XXXX XXXX and I have requested it to be removed. However, it has not been removed yet.
Product: Mortgage

I am making this complaint due to it now being 2 months trying to deal with Selene Finance on getting my mortgage up to date like it should. I was told that we had a shortage in our escrow originally for the amount of {$1400.00} in the month of XX/XX/XXXX. I was told that it would be broken down over 36 months and our mortgage payment would be recalculated to {$840.00}. I received a letter dated for XX/XX/2018 saying our shortage was {$1300.00} and that it was broken down over 36 months in the amount of {$38.00}. I then receive another letter dated for XX/XX/2018 saying our shortage was {$850.00} to then be told that now my payment that suppose to be {$840.00} is now {$1000.00} due to the {$850.00} but speaking with someone on the phone they tell me its due to the escrow being more than they thought when they actually had the bill 60 days in advance to XX/XX/2018 in which my insurance company XXXX XXXX told me as of XX/XX/2018. I was told over the phone 2 weeks ago that my insurance was left completely off my analysis but it actually wasn't. Selene sent me an email on XX/XX/2018 with the analysis that they were suppose to have sent out in XX/XX/XXXX that I didn't get until XX/XX/2018 when it was emailed to me for me to look at. I called in XX/XX/XXXX to make my mortgage payment to be told that I needed to make a payment of {$990.00} and that the money sitting in suspense would be added to get my payments back on track since the escrow issues have been showing behind. Well fast forward almost 3 weeks and nothing has been fixed. The account is now worse off than it was and I'm being told that I have no payment for XX/XX/XXXX which is clearly was paid and has come out of my account. This company refuses to allow me to speak with someone of management in the escalations department and continues to XXXX us up worse than we were. I have written so many letters and email with no response to my issues. I really need someone to hold Selene accountable for this behavior when we are doing everything that is asked and making our payments every month. I don't want to lose my home because we are dealing with a company who can care less and no one holds them accountable for their actions.
Product: Credit card

I purchased virtual items on XXXX but within two months, XXXX was shut down, making me unable to use it. I contacted the credit card company to request a dispute on all purchases made on XXXX but the credit card company refused to allow me to use it.
Product: Debt collection

I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor nextep funding. In the amount of XXXX thousand dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.
Product: Credit reporting or other personal consumer reports

Dear SECU I hope this message finds you well. I am writing to bring a serious matter to your attention regarding an incident I experienced With one of the workers outside the branch which I believe requires immediate attention at a higher level. 
On XX/XX/XXXX I reported a staff member at your [ XXXX location ) for making threats against me & harassing me over a guy we currently have a open court case open as well ( cross warrants ) I tried to reach out to you guys but the same guy seems to put me on hold well today my friend called to file a complaint as well similar to the situation at how ugly she is to my friend when she comes into the bank well I get a screenshot from a tremendous amount of people who are friends with the defendant on social media ( photos will be attached ) the post stated that only a XXXX XXXXXXXX would call my job like its not recorded or traced XXXX well its funny because she called private & my name was never mentioned and the defendants name wasnt mentioned neither so it sounds to me like you guys are accusing me of false accusations according to your worker! And it Also sounds like to me that this is XXXX XXXX against the law im actually more then sure that it is and if it is not handled correctly court will be my next step with all parties involved that is very unprofessional and it has started something back up that caused your co worker to put it on social media and talk about me more on social media platforms that should have been kept confidential because again no names where never said even the defendants name seems fishy to me ( pics and videos will be attached of your coworker! ) The issue was urgent and I trusted that my complaint would be handled in a confidential manner. However, I was deeply concerned when the branch manager contacted the aggressor and disclosed my personal information, despite my request for anonymity. This breach of confidentiality has left me feeling vulnerable and betrayed, especially given the serious nature of the initial complaint. 
I kindly ask that this matter be escalated to the appropriate authorities within Secu Bank. I would appreciate a thorough investigation into the actions of both the employee in question and the manager, who may have mishandled the situation. The safety and privacy of your customers should be a top priority, and I trust that Secu Bank will take the necessary steps to address this breach and ensure that this situation does not happen again. 
Thank you for your attention to this urgent matter. I look forward to your response and to hearing how you plan to rectify the situation. 
Sincerely, ( XXXX XXXX ) ( XXXX )
Product: Credit reporting or other personal consumer reports

I am disputing items on my credit report that were not properly investigated as required under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute to Experian regarding inaccuracies in the following accounts 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 

The disputed items include incorrect balances, accounts that dont belong to me, I provided Experian with all necessary supporting documents, but the investigation results did not adequately address my concerns. No evidence or explanation was provided by the companies involved to verify the accuracy of the information. 

As this impacts my creditworthiness,
Product: Checking or savings account

I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # XXXX.
Product: Credit card or prepaid card

I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a better business bureau complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida  address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XXXX XXXX, 2020 is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in XXXX  my entire life except for when I moved to XXXX  at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit. My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still reporting.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OF XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.
Product: Student loan

I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to see this anymore in my report.
Product: Credit card or prepaid card

See attatched VISA USAA statement ending XXXX THIS IS NOT MY ACCOUNT. A Visa card was sent to me ending XXXX 2018 I DID NOT AUTHORIZE. I DID NOT OPEN THIS ACCOUNT. XX/XX/2018 UNAUTHORIZED TRANSACTIONS OCCURRED.
Product: Mortgage

I am filing a complaint against Seterus Inc . In XXXX of XXXX I applied for a refinance on two properties. XXXX held one of the mortgages. I called XXXX on the first week of XXXX to request all of the information on my loan. I was told it would take 8 business days. After four business days my lender asked if we could try and get it sooner so that we could close. I contacted Seterus again and they told me to go on their website and retrieve the documents I needed. After several failed attempts, I called Seterus back and they were not able to tell me why I was not able to retrieve it. I was also told that the person that took the first request for the information did not put it in the system, so it would be another 8 business days before I could get it. I contacted my lender and she told me that was unacceptable and they should have given me the information. Together, we did a conference call and asked for a supervisor. The supervisor then assured us we would receive it in 3 business days. That did not happen so we had to do another conference call. We asked for a supervisor again, the man that was placed on the phone was very rude to the lender and myself. He became very irritated and asked if he was being recorded, my lender replied she was on a recorded line so he denied anything further to say if he was going to be recorded. My lender then hung up from the call, so I asked him for my information. He could not tell me the information I was requesting which was how my payments are broken down to taxes, principal, insurance, etc. Seterus has had my loan since XXXX, I have paid them more than the payment asked for every month thinking it would be paying down my loan. It was a thirty year fixed and since they have had it, my monthly payment amount has gone up 4 to 5 times. This company needs to be investigated they lie to you everytime you call to get any information. Everything that I have been put through due to them could have cost me my loan and my interest rate. The other refi I did with another bank gave me my information in one week and returned my XX/XX/XXXX payment in full. Seterus did not return my XXXX payment and they prolonged my funding. This is not acceptable as this company should be held accountable for the stress they have put me through. Companies that treat their clients like this should not be allowed to operate. I know that there are hundreds of people like me that Seterus has treated unfair and like myself put me in a stressful situation. Seterus should have given me my information in a timely manner and should have been professional about it. I never was late or missed a payment. I would like my XXXX payment and any other money that they owe me returned. I can not stress enough how this company should not be allowed to operate in the manner that they have. They need to be stopped and investigated and not allowed to hurt any other consumers.Please investigate this company I could have closed sooner and saved money and time.
Product: Checking or savings account

I had my account set up where if there was not enough money in my account, it would have declined a purchase. they continue with the purchase and left my account overdrawn and applied the fees for the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue you Equifax.

I have attached on this complaint the tremendously inaccurate accounts which you are displaying. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is perfectly delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE On my XXXX card # XXXX  ... you are illegally reporting incorrect information. Why did you contact XXXX  to verify if it is open or not an ONLY confirmed that information with me? That is NOT what I am disputing here! There is 1 ACCOUNT on my credit report from XXXX which states STATUS : CLOSED with a false 30 day LATE on it! DELETE THAT IT IS NOT ACCURATE! MY CARD IS OPEN I KNOW THAT! This is not an account that belongs to me and the information is inaccurate, mixed up and false ... what is so hard for you to understand!

2- SECond reason why I am going to sue you is that you have not carried on an investigation into XXXX  # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!