23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought XXXX EBAY gift cards around XXXX XXXX to XXXX XXXX : Details given Below : Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$100.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 
Gift Card number : XXXX was bought on XXXX. It should have {$200.00}. It does not have any remaining balance. 

The gift cards were purchased at EBAY website from seller PAYPAL. EBAY and PAYPAL were owned together at that time. 

These gift cards could only be used at EBAY.com and nowhere else. I have proof of purchase emails available and furnish as necessary. 

All these gift cards have been fraudulently used by someone and zeroed out. EBAY Fraud detection team acknowledged that but they are not helping me further at all in recovering the {$800.00} or any part of it. 

I want the answers to the following questions : Which ebay users registered in which countries used these gift cards? I want the user 's verified addresses and names so that I can raise a civil lawsuit against those people. 
What is the action that EBAY has taken against these users for using my gift cards? 
What is the transaction history of the gift cards? 
What are the fraud prevention measures that EBAY took before people trying to redeem my gift cards? 
How many gift card balances did those user ids check before trying to use my gift card? 
How long those user ids are active and are they still active? 
How many of these gift cards are being fraudulently used everyday? 

I did not buy these gift cards from third party but their erstwhile sister company Paypal and from EBAY 's website. 

If Ebay can not safeguard the gift card usage by people, then they should have a fiduciary responsibility to stop selling gift cards everywhere. 

It seems like ebay condones people from stealing gift cards of others without punitive action. 

I need more answers than a cookie cut and paste response. 

Could you please help taking my case up with EBAY to get all these details? 

Also, could you please help me getting my money back from EBAY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert for a credit inquiry from XXXX XXXX I disputed the credit inquiry with the company and was told it would be deleted. As a follow up I reached out to Experian to delete the inquiry as well and it was not done with no explanation provided. I did not authorize this inquiry of my credit report.
Product: Mortgage

Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. 
This is not the first time this has happened.
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. 

and list of Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Prepaid card

There was an unauthorized charge made on my XXXX  card that was linked to an XXXX account. I contacted XXXX and they suggested I report it to my financial institution. After two months, my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2021 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both XXXX AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEWHOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. The law is noticeably clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.
Product: Checking or savings account

Last week XX/XX/2019 I received a payment of {$2000.00} from a buyer through my PayPal account of course they put a hold on it and sd I had to verify a bunch of stuff so I've done all that and now after another 6 CALLS they're trying to take my funds over another account that is not mine this was suppose to be handled on the 4th call well today XX/XX/19 I spent 6 hours on the phone with PayPal being transferred from person to person each time I'm told something different mind you all the stuff they needed has been verified I was hung up on called a liar told my funds was available email included and not until I received the {$2000.00} has PayPal ever mentioned this other account not once they themselves said they can't hold me responsible for another account especially one I'm no part of yet they keep refusing to release my money. The supervisors are dumb and act like their clueless yet their supervisors I can't get anyone one the phone, through XXXX, through XXXX to take care of this. I've waited they're 3 to 5 days I've verified everything but they insist I pay on someone else 's account I feel like I'm being screwed completely over and if my funds will just get released I'm closing that account no more PayPal for me, this is ridiculous I've wasted an entire day trying to fix this and I'm still no further than I was I really need help please
Product: Credit card or prepaid card

Good morning, on XX/XX/ I received a deposit of {$100.00} that brought my account to {$100.00} with Cash app, about an hour later I saw that funds was taken and I only had {$26.00} in my account normally when a transaction take place I receive an email telling me the amount that was taken and who the funds was taken from when I never received the email I immediately thought it was a fraud charge so I called in to Cash app and spoke with a gentleman that was very rude and stated that I had did a XXXX purchase in the amount on XX/XX/ in the amount of {$38.00} and another on XXXX in the amount of {$36.00} he stated that there was a technical error on their end and that I paid XXXX but the funds was never taken from my card I then stated that I didn't understand and that I would like the funds back onto my card the gentleman hung up on me. I then called back and spoke with a young lady she stated the same thing I let her know that I checked both statements and I saw that the funds were deducted and would like my money back the lady stated that they was not able to give me back my money
Product: Mortgage

I signed a contract with XXXX XXXX to assist me with modifying my mortgage loan. I was informed by my account manager with the company XXXX XXXX that I was entitled to a full refund if the modification was not successful. The promise of a full refund was my main reason for signing the contract to do services with this organization. In the end the modification was denied and I was referred to other agencies and other services which required more money however the modification was denied and my home went into foreclosure. I went to the company owner XXXX XXXX, he stated that the company was now out of business and that I will not be receiving any refund. After doing more research on XXXX XXXX, I later learned that he has opened several companies such as this and he has taken money from unsuspecting consumers and left them in an even worse situation. 

Please help me put an end to this gentleman 's scams and obtain a refund for myself and other helpless consumers. Please contact XXXX XXXX at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or Equifax ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or Equifax ) interactive service agreement. Thank you for noting my account
Product: Credit card or prepaid card

I received a JP Morgan Chase Freedom Unlimited credit card that I did not applied for. I contact Chase Customer Protection Group at ( XXXX ) XXXX to report someone fraudulently applied for this credit card. The customer service representative acknowledged my complaint and advised this was most likely fraud and identity theft, and confirmed that she had closed the account and would be mailing supporting documents to me relating to the fraud, as well as to obtain credit bureau reports. I obtained a XXXX XXXX credit report online and noted an inquiry made by JPMCB Card Service on XX/XX/23, which may be the date the criminal applied for this card online. I have no accounts with JP Morgan Chase and have not apply for any credit cards.
Product: Checking or savings account

old CFPB case # XXXX, XXXX isn't solved. Bank of America closed in XX/XX/XXXX. Now is XX/XX/XXXX. But I haven't received my remaining balance since they closed my account. They are holding more than {$30000.00} of mine and get me into a financial hardship. I went to their branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in the end of XXXX to try to change my address. Their clerk told me to change it on their mobile app in my phone. I did it in front of their clerk. The bank closed my account in XX/XX/XXXX and said they have sent a notice letter and a check to my old address. But I am not able to get any mail from the old address since the end of XXXX. I never get any phone, text or email notice from the bank even though they have all of my information. It's the bank 's mistake which did not update my address on time and did not give me any notice to close my account.
Product: Credit card or prepaid card

On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank. 

I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}. 

I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such. 

I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession. 

Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge. 

I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated. 

I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work. 

At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call. 

I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.
Product: Mortgage

We applied to Specialized Loan Servicing for mortgage assistance because I'm unemployed and have been receiving unemployment benefits from XXXX  from XX/XX/XXXX through XX/XX/XXXX. SLS denied our mortgage assistance request because they said we didn't have a valid proof of hardship but I have been receiving unemployment benefits from XXXX. The foreclosure process has already started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX : {$0.00}
Product: Prepaid card

I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX XXXX of XXXX XXXX I reloaded my XXXX XXXX card using my Visa Gift Card Purchased from Giftcards.com issued by Blackhawk network. The XXXX XXXX reload did not go through and it prompted me to be issued a refund of {$500.00}. I accidentally put it on a different gift card that was included in my gift cards.com order. The refund went through and brought VGC 's balance to {$1000.00}. I communicated with Blackhawk throughout the process and explained the situation with them. I then provided proof of the return that included a receipt with the amount ( {$500.00} ) and the last four numbers of the VGC. They then fraud locked the card and have refused to work with me demanding proof of purchase. They refused to accept my online XXXX transaction showing the reload and instant reversal, which includes the same XXXX XXXX Store in detailed transaction overview. My name is on the VGC and I have authenticated and verified myself throughout the process but have recieved no remedy to the situation and subsequently have had my {$1000.00} held hostage.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal regarding multiple overdraft fees that I have encountered. Despite having sufficient funds in my account
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile Midland Credit Management Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/2023 : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in my Experian file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$470.00} on XXXX. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.

I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.

DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED.

I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Payday loan, title loan, personal loan, or advance loan

The company stopped sending me statements/billing documents in XXXX of 2024. On the online portal it also only shows statements until XX/XX/scrub> 2024. My loan isnt finished and there is still a balance but I am not receiving any billing statements. I have reached out to them multiple times to get billing statements and I keep being told they put in a ticket and theyll fix it. It is now XXXX and it is not fixed and I have no billing statements still. Here are some of the dates that I called and spoke to agents/put in tickets : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have also requested official account summaries and I keep being told they will do it and never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have wrong addresses in my report, i've never lived der. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written da governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, ca. XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XX/XX/2006 XXXX $ Navient XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as open.