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

On XX/XX/year>2025, my PayPal account was hacked while I was asleep. I woke up to an email notifying me that my PayPal password had been changed without my authorization, followed by another email minutes later confirming a {$450.00} cryptocurrency purchase ( Ethereum ).

Key Facts Supporting My Claim : 1. The transaction was unauthorized, and my account was compromised.

I never authorized or initiated this cryptocurrency purchase.

The hacker changed my password without my knowledge before making the purchase.

After realizing this, I logged in using Face ID and immediately changed my password to secure my account.

2. PayPal falsely assumed that my Face ID login meant I authorized the purchase.

The Face ID login PayPal detected happened AFTER the unauthorized transaction, when I was recovering my account, NOT approving the transaction.

PayPals fraud review incorrectly concluded that because Face ID was used after the purchase, the transaction was authorized.

This completely ignores the fact that the hacker already had access and had changed my password.

3. PayPal denied my claim without a proper review of fraud indicators.

The sudden password change, followed immediately by a large cryptocurrency purchase, is a clear fraud indicator.

I have never purchased cryptocurrency on PayPal before, which should have flagged this transaction as suspicious.

Despite presenting these facts, PayPal refused to refund my money and did not provide any valid explanation for their denial.

Attempts to Resolve the Issue with PayPal : I immediately reported the unauthorized transaction to PayPal.

PayPal denied my claim, stating the transaction was consistent with my account history and that Face ID was used. 
I escalated to PayPals Executive Office ( XXXX ) but received no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i emailed cash app asking for.my refund that I really need the money to XXXXXXXX XXXX cashapp the first response I received was an automated message then I reply to that email and got another automated email reply only the last time the automated system had said my name is XXXX same message the automated reply had. I thought this was to help the victims automated reply doesnt help the victims. I still don't have my provisional credit from a claim I filed on XX/XX/XXXX. Cash app customer service rep already told me it wasn't enter incorrectly but they never try and correct the problem just say it will.be 10 days from the date the claim was add well I have proof it should have been added XX/XX/XXXX tried telling the customer service rep on chatted and she said you will hear something on XX/XX/XXXX which i didn't because it was not enter incorrectly. Customer service always said it has been escalated but it will take them 10 days no sooner will hear from cash app. They have not changed any processes still denied my claim I didnt authorized someone to use my cash app.account it wasnt my debit card. Cash app needs to start refunding customers and quit plating with them. We the consumers have been hurt enough and they sre not even trying to make up for it. Cash app today is the same as cash app was yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already contacted the collection agency however this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX XXXX  notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university XXXX  on Friday, XX/XX/2021 at XXXX XXXX  requesting that the loan be canceled. The university bursar notified me that the loan was canceled. I have contacted Oklahoma Student Loan Authority on two different occasions via phone and have submitted 3 disputes via XXXX. The issue still has not been resolved after 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$690.00} ; XXXX XXXX  XXXX Balance : {$710.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX  Account Number : XXXX and list of Inquiries.

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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reports and inaccurate name and address ; name- XXXX XXXX XXXX address- XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I am being billed for a Stafford Loan taken out by someone with my name in XXXX of 1987. The loan servicing agency ( Fedloan Servicing ) told me that the loan was taken out for a student at XXXX XXXX School ( I am not sure of the spelling ). This could not be my loan as I was XXXX at that time and have never attended this institution. I have contacted the agency and they are unwilling to work with me, suggesting that I obtain a police report for something that happened to someone else thirty years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed the capital one card reporting, however I was XXXX during the time of the opening of the account in which this is fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I subscribed to Brigit for payday advance loans. My payment is always scheduled for the XXXX of the month. Today the XXXX they decided to just go in and take my payment 10 days early. And it's supposed to be XXXX a month not XXXX like they've been charging me so they owe me money back. I want my refund and to delete my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I NOTIFIED PAYPOWER IN REGARDS TO A FRAUD/SCAM. THE COMPANY RECEIVED MY CARD NUMBER BECAUSE I WAS TOLD THAT IT WAS NEEDED INORDER TO PROCEED WITH A ORDER TO HAVE SOME PAPERS COMPLETED/TYPED AND PREPARED FOR SCHOOL.
Product: Debt collection

I am XXXX Years old male, I was the caretaker of my spouse for 6 years prior to her passing of XXXX XXXX & XXXX failure on XX/XX/XXXX. 
During these 6 years my professional earnings were limited in hours and days as she needed 24/7 care and emergency visits to XXXX XXXX XXXX for treatments or E-R. She became ill in XXXX & passed in XXXX. 
During the duration of those 6 years & financial difficulties we access our credit reserves of our credit cards, XXXX, XXXX , & XXXX  XXXX. 
We made payments due for the next 3 years, XXXX and then Hired XXXX XXXX in XXXX OK to consolidate our debt of {$110000.00} to a monthly {$1100.00} for all. ( See attached 3 years of payments ). 

Now at XXXX unable to work due to XXXX  & other medical symptoms like XXXX 's with only income my Social Security of {$1800.00} and some residual commissions from previous employment that are less than {$2000.00} annually, I am no longer able to pay these Creditors.
Product: Debt collection

im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.
Product: Credit reporting or other personal consumer reports

i can't donnload my annual report or get my score. the only plataform that give info is XXXX  but is missing my score and report in XXXX bureaus.
Product: Checking or savings account

XXXXXXXX XXXX ( Subsidiary of Texas Capital Bank ) has some issues on their systems. At different times of the day, they show wrong balances and wrong interest values etc., Currently, starting this month, two of my ACH withdrawals were returned and they blocked all my withdrawals. I don't have any way to take the money out ( as they returned all the withdrawals ), but they allow deposit ( very strange ). Now, I am very scared and there is no proper response from the bank, except some templated message, saying they have detected some unusual activity on my account. 

I don't know what is the unusual activity as after several messages, I haven't got back any answers from the bank. I don't know what they are investigating, as all transactions on the bank are legit and everything is very clearly listed. They have some issues on their system, which they accepted as good suggestion and said will work on it. 

So, my question, why my account is blocked from withdrawal and what is the unusual activity, that they are investigation. I have lost trust with the bank and I want to withdraw the money out ASAP as I feel very scared as the bank provides any valid reasons.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept seeing a charge on my credit card statement for an Experian Credit Report and it has been billed monthly. When I try to log in the experian company states it does not have anything for me, yet the charge continues to occur. I called the number on the statement and there is no way to speak with a representative and the automated message says to go on line. I go on line and I get the message there is no account information on me so why am I being charged?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX  According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Product: Debt collection

Spent 2 years harassing me over a debt fraudulently reported by XXXX. Well over 100 calls and three separate disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act XXXX account # XXXX has violated my rights. 15 u.s.c 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Credit reporting or other personal consumer reports

Unauthoried accounts on credit report 1. An collection at XXXX XXXX, Opened XX/XX/XXXX orginal creditor XXXX XXXX 2. An Open Account at XXXX, Opened XX/XX/XXXX XXXX
Product: Checking or savings account

Chase Bank decided to Close both my Checking and Credit Bank accounts for nor valid reason. I called the bank to see how I can solve the problem, the department response was that they do after conducted a review of accounts. I for sure don't represent any regulatory, legal, or reputational problems to the bank for them to close my accounts. I have a great credit history, and all my life matter are stellar. At this point I don't see any justification to the bank decisions to close my accounts as unfair, predatory, and braking the rule of good banking practices. The XXXX failed to give me valid reason. The bank is living me running to figure out how to pay my credit card balance. I researched the problem online and it seems to me that Chase bank had a 35 % spike in closing consumer accounts. So it's high time that a consumer protecting agency steps in and stop this unfair practice.
Product: Credit card or prepaid card

Hello Roughly two years ago, I applied and received the chase business ink unlimited card. Upon receiving the card, I signed up and enrolled in autopay to the statement balance and to avoid interest and fees. 

I was fairly hands off with the card as I did not use it for much. Upon reviewing my account today, I noticed several interest related charges and fees because the card was NOT enrolled in autopay. Primarily this is due to a monthly recurring subscription from XXXX for {$1.00}, which later increased to {$3.00} earlier this summer ( in XXXX, or XXXX ). 

I am hereby disputing the interest and fees that I've accrued on this card as I did enroll in autopay. I do not understand why it did not go through but I should not be penalized. 

I am requesting that Chase Bank refund my interest and fees that I've accrued on this card as it is unjustified and unwarranted.
Product: Credit card or prepaid card

I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
Product: Mortgage

I was in the process of purchasing a home. The lender was working on my credit report to do a rapid rescore. She began to be unresponsive or less responsive with emails and not returning my phone calls. Then I was notified of a new credit card that was applied for in my name, but I did n't apply for one. The lender was very determined to process my loan, to the point where she opened up a credit card in my name without my permission. Doing this would show more available credit and less debt, increasing my score. When I emailed her and her supervisor asking about this card, she never responded, i did not close on my house and I lost all my money that I put in. At this point, the sellers realtor filed a complaint due to non communication, my realtor sent an email to her demanding a response within a timely manner and she completely did not respond to anyone. Her supervisor called me 3 days after we were supposed to close and said that I needed to contact the FBI and that they 've decided to deny my loan because everything is just a mess now. I am asking to be refunded on all the fees I paid out, or I will be pursuing further action.
Product: Credit card or prepaid card

On XX/XX/XXXX, we bought a laptop for {$2400.00}, upon receiving it, we found it to be defective, the speaker does not work, battery does not hold a charge, so we returned it back to XXXX. XXXX received it, and weeks went by, no response from XXXX, so we placed a dispute with Chase. XXXX responded back, saying we returned the wrong item, we disputed this with a picture of the product we returned. We believe Chase 's decision in this case was unfair, we returned the correct product, and now have nothing, and is being forced to pay for the laptop even though we do not have the laptop anymore.
Product: Debt collection

I am submitting this complaint regarding ProCollect, Inc., a debt collection agency that is attempting to collect a debt that I ALLEGEDLY owe. The original creditor is XXXX XXXX XXXX XXXX, but I believe the account may have been sold to ProCollect , Inc . However, which is also illegal she cant just pass off my personal information like that. ProCollect has not provided me with any information or documentation proving that they have the legal right to collect on this alleged debt. 

Details of the Issue : XXXX. Lack of Debt Validation : I received a communication from ProCollect, Inc. claiming that I owe a debt of {$3400.00} for an account allegedly opened on XX/XX/year>. The original creditor is listed as XXXX XXXX XXXX XXXX. I immediately disputed this claim and requested debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). However, ProCollect has failed to provide any evidence that they have the legal authority to collect this debt. 
XXXX. No Written Contract with ProCollect : I do not have any written agreement or contract with ProCollect , Inc. that would establish a legal obligation for me to pay them. They have not provided any documentation that would demonstrate a contractual relationship between us, nor have they provided any documentation from the original creditor authorizing them to collect on this debt. 
XXXX. Potential Illegal Collection Practices : I believe that ProCollects actions may be in violation of the FDCPA, as they have not provided the requested debt validation information within the required timeframe. Furthermore, they may be in violation of the Fair Credit Reporting Act ( FCRA ) if they have reported this unverified debt to the credit bureaus without proper validation.
Product: Mortgage

I entered a Discount Settlement agreement and paid the debt as agreed in XXXX. The Agreement said OCWEN would update my credit report and remove the lien from the property. I have called XXXX and sent a letter to their Research Department to find out why it still has not been updated on my credit report. No answer from them.