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

On XX/XX/2022, Paypal sent me an email notifying me of a questionable money request with a XXXX phone number to call. I logged onto my Paypal account and the identical message and XXXX phone number was there. Since it was on my Paypal account, I called the number and was connected to the supposed Paypal Fraud department. The " Paypal Fraud '' agent told me hackers were attempting to access my BofA bank account and he needed to secure the connection between Paypal and my bank account. He instructed me to move money via XXXX to a virtual account, he would secure the Paypal-Bank connections , then the money would be moved back. I made two XXXX transfers totaling $ XXXX when my family overheard me, they urged me to stop. 

It was a scam. I immediately filed a claim with the XXXX Fraud department. I cancelled the questionable Paypal money request, and severed the connection from Paypal to my Bank, and then closed my Paypal account. I sent the original questionable email to XXXX and filed an ic3.gov report on XX/XX/2022. 

The Bank ( XXXX ) denied my claim as they could not recover the funds from the receiving Bank XXXX XXXXXXXX XXXX  ). The bank suggested I contact the " receiver '' and request my money back. The phone numbers provided to me on XX/XX/2022 by the " Paypal Fraud ' agent, now known to be a scammer, are no longer in service. Paypal refuses to take responsibility even though the information was imbedded into my Paypal account- saying the money transfers were outside the Paypal platform. 

I have not heard anything from ic3.gov to date. I have written an email to a local investigative reporter to possibly alert others of this scam. 

I would appreciate anything your agency can do to help me recover my {$1900.00}. Thank you.
Product: Vehicle loan or lease

Santander Consumer USA is in litigations with my State of New York. As of today i have not received any guidance on how this lawsuit will be helping get through this unaffordable loan. I have been with them since XX/XX/2018 and after all the payments i have made not even {$5000.00} has hit my principal account. I struggle to pay my loan but i do so i do not have to continue paying so much interest and hurt my credit. I did reach out to the executive office and received a call that i am not entitled to any relief. Yet my name comes up in the suit through XXXX XXXX. They spoke down to me and treated me like i was the one doing something wrong. Santander basically washed their hands in regards to this lawsuit and refuse to provide me any information
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I have no knowledge about them, and they were made without my consent by the company.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the three reporting agencies Experian, XXXX and XXXX to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.
Product: Consumer Loan

In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Experian back in 2020 ( presently still sending the letters ) about my personal information needing to be updated and carry only my correct address, correct name and correct date of birth. Also, about several accounts that have been reporting inaccurately which XXXX and XXXX have seen the errors and immediately deleted the accounts. Which I find it weird for two credit bureaus to be able to remove the accounts for inaccuracies but Experian claims to verified them. How is Experian verifying them when the other two credit bureaus couldn't?. 

As of today, nothing has changed and its frustrating. I've written multiple letters ( in matter of fact every month ). I am in the process of trying to buy a house with my kids but Experian needs to update/correct/or removed the accounts. 

I currently reside in XXXX and they still have XXXX old addresses from XXXX, XXXX 

There is a XXXXXXXX XXXX  account, The Bureaus account, XXXX XXXX XXXX, XXXX XXXX. I did my research and there were inaccuracies which XXXX and XXXX agreed with since they removed the accounts. Experian have not even bother with it. Then to top it off, I send them letters every month and I get a response every other month or every 3 months. 

I just personally would like for them to review my report accordingly as XXXX XXXX and XXXX has done, How can XXXX credit bureaus agree on what was sent and did their part and Experian keeps saying its verified. Impossible!!! Wouldn't the other two have verified it too!!?
Product: Consumer Loan

I paid my lease off early through Chrysler Capital. They sent me a statement in the mail with any outstanding balances. The only thing that showed a balance was a negatively amount ( overpayment ) of sales and usage tax. At the bottom of the statement, it states that any negative amounts will be credited back to you. I called them and they refused to give me a refund, although the statement clearly states that. After several calls and speaking with management, I have not received a solution. I have been told that it is incorrect and a " computer-generated document. '' I do n't feel that should matter ; if you send me something stating that I overpaid, I expect a refund. Their customer service staff and managers are nothing but rude and combative.
Product: Mortgage

I applied for a refinance of my current mortgage with Quicken loans in XXXX. Being in the mortgage industry myself I understood that the turn times would be extended, so that is not the issue. I am a married woman ( on paper ) in Michigan. The home I am refinancing I purchased alone without my XXXX XXXX to leave an XXXX XXXX. He does not know where I live. During the refinance process it was brought to my attention that he would need to be at the closing, at which time I advised that he does not live in my home and has his own. Through coordination with the Title Company, XXXX, he completed a non home stead affidavit which was provided to Quicken on  XX/XX/XXXX. I received the CD to execute last week and there was a document explaining that they ( Quicken ) sent documentation on my mortgage to my XXXX XXXX home ( who is not on the loan or in title ) I  immediately contacted Quicken to ensure nothing with my address is sent to him, so as to not disrupt my XXXX XXXX at which time I was told it was already sent. So for the past 3 years I have not seen this man and 2 days ago he was on my door step XXXX me. This is not ok, not only is my XXXX XXXX at risk due to this error made by Quicken but also that of my family. I was supposed to close on this loan today and they have his name on the documentation. This complete incompetence it not acceptable. A Michigan based company should be well versed on the laws of the state as it pertains to who is required to sign on a mortgage and who is not. I went through the steps requested to ensure the non-homestead information that is required to confirm that the subject property is not his primary residence was obtained while maintaining my anonymity where he is concerned and Quicken has now provided him everything he needs to find us. I am in the process of obtaining legal counsel, so that if this man breaks in here and harms me that they know to come after Quicken, due to the incompetence and complete lack of understanding of the loan requirements in the state of Michigan.
Product: Credit reporting or other personal consumer reports

" Dear XXXX XXXX : Thank you for requesting your XXXX credit report. Your credit report contains information received primarily from companies which have granted you credit. Great care has been taken to report this information correctly. Please help us in achieving even greater accuracy by reviewing all of the enclosed material carefully. 
If there are items you believe to be incorrect, you XXXX Initiate an investigation request via the Internet XXXX hours a day, 7 days a week at : https : //www.equifax.com/personal/credit-report-services/credit-dispute/ Please mail the dispute information to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Call us at XXXX Please note, when you provide documents, including a letter, to XXXX as XXXX of your dispute, the documents may be submitted to one or more companies whose information are the subject of your dispute.

You have the right to request and obtain a copy of your credit score. To obtain a copy of your credit score, please call our automated ordering system at : XXXX. '' XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX XXXXI saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX  XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

I wrote J H Portfolio and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Credit card

I was the victim of an employment scam and credit card fraud that effected XXXX of my credit cards. I was offered a job working freelance for a company named XXXX XXXX XXXX, based out of Florida. I did work for the company and then purchased materials and was reimbursed via electronic funds transfer directly to my credit card. Once the materials were delivered to the employer they reversed the transfers leaving me with over {$30000.00} in credit card balances and stole the materials I had worked on. One of the credit card companies, XXXX, approved my fraud complaint and cleared the charges. The other, CitiBank, denied my claim and is now charging me interest and pending late fees on a {$16000.00} balance. They took over a month to investigate and then decided to deny my claim so it has taken a long lasting impact on my credit and now I have even more debt racked up. I am refusing to pay any of the debt and am at a lose at what to do.
Product: Debt collection

I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.
Product: Checking or savings account

Navy Federal has illegally frozen my account, I have been discriminated against, I have been racially profiled by branch representatives and mistreated by members of the security team. My funds have been held for weeks now without explanation to why and No one has come to any sort of resolution, nor have I been notified when I will have access to my funds again. I've included copies of proof from the originators of a large portion of the funds. The funds have been verified by Navy Federal and They're still holding my funds as well as others. See attached documentation for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax to correct my personal information and called them as well. The information on my credit report that needs to be corrected is my date of birth XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI. XXXX This is not my previous address of XXXX XXXX XXXX. XXXX . XXXX XXXX, MI. XXXX. The last four digits of my social security number is XXXX not XXXX my phone number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has XXXX  my rights. 

PORTFOLIO RECOVERY Original Creditor : XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I filed a claim/ dispute with my Wells Fargo credit card concerning a purchase that was made to XXXX XXXX for carpet and installation around XXXX 2022 for {$2700.00} However, the carpet is obviously defective and Ive made numerous attempts to rectify this problem by requesting a refund for XXXX. Since the company XXXX XXXX has failed to assist or address this carpet issue Ive then turned to my bank credit card company XXXX Wells Fargo ). This issue I with Wells Fargo is that they have failed to take responsibility for any errors that has taken place in the handling of my dispute. They have stated to me during our phone conversations that I could file a dispute, took my information and filed the dispute. However since this dispute was file they have issued a credit for {$1300.00} took it back then I filed a 2nd dispute for the above dollar amount of {$1400.00} they credit that amount back to my card yet they removed it as well. They continue to give me false misleading information concerning my dispute. Ive was even told by their representative that they made a mistake with filing my dispute and not to worry because it was their fault. My carpet is just 4 months old. I have defected carpet in my home that XXXX XXXX nor Wells Fargo is doing anything to help me. I would like a full refund for the total amount or @ least the {$1400.00} since its definitely not fair to have to deal with looking at defective merchandise.
Product: Checking or savings account

The bank is First Citizens. I opened a premier checking account and saving account online on XX/XX/2020, and completed the deposit ( $ 15,000+ ) on the same day and spending requirements ( 10+ debit transactions ) by XX/XX/2020 per the terms of their their welcome bonus of {$500.00}. In the term, it says the welcome bonus will be deposited into the checking account within 120 days, but it has been over 120 days and I still haven't received the bonus. I called the bank 's customer service line but the rep was not able to fix this and asked me to contact local branch. This was an online offer and I don't think there is any branch in CA. So I'm seeking help on CFPB.
Product: Mortgage

My name is XXXX XXXX, I was referred to XXXX XXXX by my best friend for a modification on my house. Unfortunately because of my desperation I trusted this so called mortgage/modification professional with my case. He first ask me for {$3500.00} on XX/XX/XXXX to start with my modification case and stop my foreclosure. After several months I ask why it was taking so long and XXXX said that the government was forgiving some back mortgage debt and that it was better for me to wait for the modification. He then ask me for a second transfer on XX/XX/XXXX for {$1200.00} saying that the bank underwriter over was asking for it to keep my modification application under the loop until everything was ready to be submitted. 
After a long while and not seeing any results or any documents I decided to called my lender and they had no idea of my interest in the property, they didn't know who this person XXXX XXXX is or was and they express they had NEVER communicated or worked with him. He works for Us Mortgages Corp so I also contacted US mortgages Corp in XXXX XXXX and they also stated they had nobody with this name work for their company. I was informed that nobody has submitted ANY documentation for any modification whatsoever. I, myself had to submit AAL DOCUMENTS and application to start the modification myself without the assistance of nobody. XXXX XXXX just scammed me my {$4700.00} and didn't help me with ANYTHING I spoke to XXXX XXXX on XX/XX/XXXX and demanded my money back since he didn't submitted any documentation to the bank and to NOBODY. I have him on voice recording agreeing to return me my money by XX/XX/XXXX but he has yet to return me my money. There is no records of no documents filed by XXXX at all. On XX/XX/XXXX, I had to start and submit the documents for the modification with my lender.
Product: Credit card

Portfolio recovery associates llc has continued to call random numbers asking for me regarding a debt I owe. They have called my moms home number that I never gave to them asking for me and saying that I gave them that number which I never did give them the number. They have my cell number which is the only number I gave the actual creditor.
Product: Mortgage

Closed on loan XX/XX/2021 and Navy federal credit union have not sent me payment booklet to make first mortgage payment due on XX/XX/2021. They refuse to talk to me over the phone.
Product: Debt collection

I purchased furniture XXXX XX/XX/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XX/XX/2015 from Synchrony Bank stating that the acct. was charged off and sold XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called XXXX and Synchrony, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after XXXX years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact XXXX, TransUnion, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Product: Bank account or service

On XXXX XXXX, XXXX, I contacted PENFED Credit Union at XXXX, and talked to a customer service representative regarding the amount of {$490.00} which was paid twice to my personal loan. I informed the customer rep that I can not afford to pay the loan twice since am paying for mortgage and other loans. That, am currently retired and am in a fixed income. The customer representative informed me that the amount of {$490.00} will be reversed back to my XXXX XXXX XXXX XXXX in 48 hours. On XXXX XXXX, XXXX, I again contacted the PENFED Credit Union and talked to XXXX, Customer Service Representative, and she informed me that the money can not be reversed back to my XXXX XXXX XXXX XXXX, as they will either wired it charging me {$20.00} or mailed me back the check in the amount of {$490.00}. She ask for my pin number which I completely forgot since I have n't used PENFED in XXXX. She did n't provide informed me as to mailing a new pin number. I did n't received good customer service from her. Again, I contacted PENFED Credit Union and talked to XXXX, Supervisor. I told him about the situation, and he said that the money can not be reversed back to my XXXX XXXX XXXX XXXX. I told him that the information provided by the customer service representative on XXXX XXXX, was misleading. XXXX then asked me XXXX questions, and I said none of the above, which locked me out of the system. I ask him what was the reason why he ask me the questions, and he said that is public information. Then, he said that in order for my money to be wired, I need the pin number and if to mail out it will take 7 to 14 days. He then told me that I would have to wait another 24 hours before the system is activated again. Then, another XXXX questions will be ask. I told him that is not fair and that the information provided in XXXX XXXX, was misleading. That, I will never use PENFED Federal Credit Union again after my personal is fully paid off.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAM AGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.