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

Regarding a Walmart Credit Card XX/XX/XXXX - Purchase food in XXXX, Ca. store using Walmart credit card. 
This is the final purchase made by me or any authorized using Walmart credit online or instore. 
XX/XX/XXXX Received letter from Walmart instructing that account would henceforth be administered by Capital One. New card to be forwarded Received standard billing in mail for account ending. Balance XXXX due. Amount agreed to. 
XX/XX/XXXX billing with new credit card number listing fraudulent purchases. Contacted Walmart to advise never received new credit card and to freeze account and investigate purchases. 
XX/XX/XXXX - Received letter from Capital One stating their investigation found insufficient evidence of fraud. Called them immediately to dispute again, please provide details to me regarding how purchases were made : online or in store, provide information why account was not freezed and additional purchases and cash advances were made.

XX/XX/XXXX received letter from Capital One Walmart advising error to be corrected and no additional action needed on my part. 
XX/XX/XXXX - Billing received. Acct. Balance XXXX XX/XX/XXXX - Letter received ( again ) from Capital One Walmart advising " rest assured errors corrected ... '' XX/XX/XXXX - Billing received showing Balance of XXXX To date, my account has never been reactivated by me, and no evidence of fraud provided by Capital One or Walmart to explain to me how my card was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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 : XXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my credit report. I have been a victim of identity theft. I have reached out to each company and I have filed a police report. According to the FCRA all unauthorized items must be removed. Below are the inquires that need to be removed. 

Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX Data XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Reporting Bureau- Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I work for XXXX XXXX XXXX XXXX that uses XXXX company for XXXX medical reimbursement. Since XXXX of XXXX I sent four receipts to XXXX for reimbursement. I received notifications that receipts were approved but I never specifically check my bank account for them because Im using XXXX  for over XXXX XXXX years and checks always came to bank through direct deposit. 
{$200.00} check dated XX/XX/XXXX {$420.00} dated XX/XX/XXXX {$350.00} check dated XX/XX/XXXX {$150.00} check dated XX/XX/XXXX. 
On XX/XX/XXXX I went through my checking account summary and realized that none of the checks were deposited to my account and I contacted XXXX ( XXXX ). I was told that that all four checks were mailed to my home address. I was not aware of this, didnt authorize XXXX to do so and I never received the checks. I was also told that two larger checks, {$420.00} and {$350.00} were cashed out. During this phone call with XXXX, an operator switched my account info to the direct deposit preference ( the bank info was there all the time ) and transfered two smaler checks to my account. I requested a copy of those cashed checks and then communication with XXXX stopped and for weeks my companys Benefit Manager was trying to resolve the situation on my behave. I filed XXXX ' dispute form in meanwhile. Finally the copy of checks came to my Benefit Manager! The checks had my FORGED signatures on them and NOT my bank account number. I asked XXXX to investigate but didn't hear back. After a few weeks, my Benefit Manager gave me the info for Bell Bank -the bank who issued the checks through XXXX. I filed their dispute form on XX/XX/XXXX, notarized and mailed to : Bell Bank Attn : Check Payments XXXX XXXX XXXX XXXX, XXXX  XXXX They NEVER contacted me back. I called tBell Bank a number of times, no one could help me and every call was dropped in the middle of a conversation. I made my Benefit Manager and VP of our HR aware, and finally after nine weeks of no communication XXXX contacted me and created a case. After two business weeks of investigation, they closed my case : " The case has been closed, the only thing we can do on our end is provide you with the check images, which we have done. 
You filed a claim in you XXXX XXXX account, we processed and approved the claim, and we mailed you a check ( s ) to reimburse you for the funds requested. We don't have any control over what happens once we mail the check to you. 
If your checks were stolen and cashed by someone other than yourself, you will need to address that with the police and the bank that cashed the checks. 
If you have any questions, feel free to contact us at XXXX, Monday through Friday, from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' {$770.00} are missing, this is the XXXX  service that supposed to help me to safe money. 
I went to police, by the way, begining on XXXX. They said I need to resolved this with the bank that issued the checks since they can track where the checks were deposited. I was told the same by VP of XXXX where I have an account, when I reached out for suggestions.
Product: Debt collection

Please note that the fields that i checked are not accurate. Because the problem I am having as a consumer relying on a PAYPAL BUYERS WARRANTY is not an option strangely enough. 

I have filed a claim for shoes that I ordered from XXXX that have not showed up now in more than two months!!! 

They have closed the claim and have reneged on giving me my promised warranty I of course would have never bought shoes from XXXX had I not had the confidence of a paypal warranty. The amount for the shoes is XXXX. There are also two other transaction that the same thing has happened. One for XXXX and another of XXXX. 
totaling XXXX
Product: Credit card

Re : Your credit card payment is due From : " XXXX '' XXXX To : XXXX Cc : XXXX Unfortunately, your mail was not delivered to the following address : XXXX : XXXX does not like recipient. 
Remote host said : XXXX XXXX relaying denied Giving up on XXXX. 

-- - Enclosed is a copy of the message. 
Capital One My number is a VOIP based service. 

No statement sent!!!!!! 

No amount is owed is in the E-mail. 

No information of where to send Payment. 

How do I pay this bill???????????????????????? 
-- -- -- -- -- Original Message -- -- -- -- -- From : " Capital One | XXXX '' XXXX To : XXXX Subject : Your credit card payment is due Date : Wed, XXXX XX/XX/2023 XXXX XXXX Sign in XXXX XXXX XXXX Your credit card payment is due XXXX XXXX XXXX XXXX XXXX, As a reminder, your payment is due by XXXX XXXX. ET on XXXX XXXX, 2023. 
If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments. 
Make a payment Did you know? Paying more than the minimum amount due on your account each month can save you money in finance charges. 

Payment activity as of XXXXXXXX XXXX XXXX. Sign in to see your most up-to-date payment activity.
Product: Mortgage

I was rudely hung up on by XXXX XXXX and XXXX XXXX at M and T Bank headquarters XXXX XXXX XXXX. They know that my home was wrongfully sold but refuse to follow civil procedure and ignore regulations. An investigation was done by the Sheriff 's office into the fact that this foreclosure was not conducted correctly. People should not be exploited like this. The law should be followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to XXXX which I filed two days ago. Today my Transunion credit score decreased another 11 points for a total decline of 98 points in two weeks despite the absence of any new derogatory information and the absence of any new credit inquiries. Positive information was added and several minor bits of derogatory information aged off. The only changes that accompanied the 11 point drop was the  removal of an old missed payment and removal of the last-first-middle variant of my name ( which is also listed in first-middle-last order ). I continue to believe that the 98 point drop is some sort of retaliation for previous CFPB complaints I've filed against Transunion or the numerous requests I've made over the past year to, successfully, remove various bits of incorrect and outdated information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.
Product: Mortgage

A mortgage assistance request was started in XXXX of XXXX and after the first XXXX trial payments were made ( XXXX, XXXX, XXXX ), in the amount of {$870.00} a month, the agreement would start. XXXX 's payment was late and the payment was not accepted when trying to make it up in XXXX. When I contacted the mortgage company in XXXX, the representative informed me that I had to go through the application process again. In XXXX of XXXX, when I opened a forbearance request, through XXXX of XXXX, I submitted the documents requested by the mortgage companies online website. I remained diligent to viewing my online status which showed " pending ''. In late XXXX, when I didn't see a resolution, I reapplied for mortgage assistance. In late XXXX as I continued to view the online status, there was a correspondence that said supporting paperwork was missing and the timeline had been exceeded, the status still showed pending. 
During this time notices were sent from the law group stating that any pending action i.e. foreclosure sales were postponed. This continued with me viewing my online status and no communication until the end of XXXX when I reapplied for mortgage assistance. My online status continued to show pending. 
Then on XXXX seventh, my wife received a visit from a man who said he had just bought our home the day before. My wife was visibly upset and in shock. We received no registered mail or sheriff notice prior to the sale. We then contacted the mortgage company who only confirmed that the house was sold. We have viewed similar complaints online with our mortgage company and other clients in very similar situations.
Product: Mortgage

I agreed some time ago to go paperless with Chase who holds my home mortgage and with whom I also have a credit card. I handle everything online and I have automatic payments for both coming out of my checking account. Access to my online accounts is the only way that I can obtain copies of my statement, check the mortgage balance, insure my payment posted and see what transactions are on my credit card and the amount due, or dispute an amount. 
On XX/XX/2020, I attempted to log into Chase and after entering my user ID and password, I received a popup that blocked me from entering the website stating I had to read and sign two statements and I must agree to both statement or access to my accounts is denied. The two agreements are an Electronic Disclosure Consent and Digital Service Agreement. This constitutes extorsion. Read and sign you agree ( no matter what the statement says or whether I agree ) or you will never have access to your accounts again. Where does that leave me? 
If an agreement is mandatory, why I am I being told to sign that I agree because not agreeing is not an option as the result is the same, I will be denied access. I need access to my accounts without having to read and sign anything. Chase should have emailed the agreements to me and advised me that I would be required to sign them ( state a timeframe ) and if I did not do so or did not agree with the statements, I would have to log in before the end of that timeframe and change my options to return to receiving paper statements and no longer have online access. Instead, they know customers who do not get paper statements must access their accounts online so they block the customer and state, sign and agree to this or else you will never be able to access your accounts again ever. 
I can't even access my accounts to change to paper statements. They are preventing me from reviewing my credit card statement to know if the charges are valid before they withdraw the money from my account. I can't dispute what I don't know. This is the definition of extorsion and I should have some credit protection from a heavy-handed company blocking all access to my accounts after soliciting me to go paperless and not advising me that doing so Chase has the right to shut down all access to my accounts anytime they wish for any reason. 
Chase should be fined for their extorsion tactics.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2023 I realized my PayPal account was hacked. My password and security questions were changed as well as my passwords.

3 transactions were made.

1 ) {$280.00} was transferred to my account. Transaction ID : XXXX XX/XX/2023 XXXX ) {$290.00} was sent to someone named XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) XXXX was sent to XXXX XXXX XXXX ID XXXX Transaction date XX/XX/2023 XXXX ) On XX/XX/XXXX there was a dispute on my account regarding a transaction I did not make. XXXX XXXX disputed XXXX Transaction ID XXXX Case ID XXXX PayPal sent an email regarding suspicious activity on my account and locked my account. I called PayPal to report that my account had been hacked and I did not make these transactions. They guided me through the steps to reactivate my account which I did. 

On XX/XX/XXXX I called PayPal to discuss the dispute email I received and was told that since I had already called to report the fraudulent activity they were looking into it and no action on my part was required. 
I received a notice that the case was resolved in the buyers favor and my PayPal account showed as negative XXXX I called PayPal to explain that I did not make this transaction and my account should not be negative. I filed 2 cases both of which were closed saying they do not see fradulent activity. 

I have been calling PayPal to explain that I did not make a transaction with XXXX XXXX and that I am not a seller on PayPal and I do not have an open XXXX  XXXX account which is where the money was sent. 

On XX/XX/XXXX I called PayPal to open a dispute again and was told that prior disputes were not resolved because inadequate information was provided to the back office investigating my claim. 

On XX/XX/2023 I attempted to make a purchase with the on-line retailer XXXX using my PayPal account XXXX Instead of processing my transaction for {$110.00}, PayPal took {$290.00} from my account although this is not money I owe. 

I am looking to have PayPal thoroughly investigate my situation and return the funds owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Equifax on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet Equifax is still reporting. 

XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX account continues to violate my rights as a consumer THE DATE OF THE SECOND CRIME THAT IS CHANGED ILLEGALLY ( IT MUST REFLECT THE MONTH AND THE YEAR IN WHICH THE SECOND CRIME OCCURRED ) by law the three credit agencies have to report the same and true information, also by law they can not report this account without my authorization. PLEASE EMAIL ME AN UPDATED COPY OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure 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. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Did not do what they said they would do in my 1st Complaint! They have my SS # blocked where I am not able to call to speak with a person. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! 
I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! 

Please refer to my first complaint # XXXX
Product: Credit card

This is referring to dispute XXXX Dealing with a merchant that is refusing to accept a return claiming it is there system and that they submitted a ticket to get it fixed. They say this every time, for a month. And then it was closed because to quote what AMEX sent me exactly : In response to our inquiry merchant has provided us with detailed explanation of the charge that this is a XXXX XXXX XXXX sale wherecustomer has inspected the merchandise and carried it along with him on same day and also card was chipped at time of sale. Theyfurther states Order number will not be created for cash & carry sale, customer has to provide return receipt or contact store for thesame. 

Paying with a chip? Ordering with cash? What in the world is this. Where does it say we refuse to fix our system and accept return or that we are lying and just trying to weasel our way out of honoring our return policy?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit that has a different social security number on it it is not my sos.
Product: Credit card or prepaid card

I was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX  MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX  informed me that they have no record of any miles posting and can not do so until they are allotted by the financial  institution.