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

PAYPAL HAS STOLEN {$3100.00} FROM ME AND REFUSES TO RETURN MY MONEY TO ME. PAYPAL CLAIMS IN THEIR USER AGREEMENT THAT THEY ARE NOT RESPONSIBLE FOR LOSING YOUR MONEY. BEWARE OF THIS DECEITFUL COMPANY. THEY WILL STEAL YOUR MONEY. IM HIRING AN ATTORNEY AND PLAN ON GETING THE WORD OUT ON THIS TERRIBLE BUSINESS PRACTICES. 

PayPal credited money back to my card ending XXXX with XXXX XXXX bank there were XXXX transactions that were credited back to my account that had been closed a month prior. XXXX XXXX reject the fund and returned the money to PayPal and the money shouldve end up in my PayPal balance. XXXX XXXX rejected the following payments and they were returned to PayPal XX/XX/year> {$140.00} XX/XX/year> {$580.00} XX/XX/year> {$1600.00} XX/XX/XXXX {$820.00}. Its been over XXXX months and I havent received the money in my PayPal. PayPal says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Paypal multiple times. XXXX XXXX has done additional checks on their end to investigate, and they have assured me that the funds were refunded to PayPal. PayPal is holding {$3100.00} of my money.
Product: Mortgage

FL was declared a Natural Disaster on XX/XX/2017, Hurricane Irma. I took the 3 months Deferment. Wells Fargo stated to Me on a recorded line that payments would go to back of Loan. The Home Preservation Specialist ( XXXX XXXX ) stated I had to do a Loan modification or make missed payments to prevent foreclosure on My Home.I feel I was defrauded by Wells Fargo. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately. 

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Product: Credit card

I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report, and found the following to be errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT have. Contract with this company. 

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. Also, letters have been stated that this was verified and under 15 US Code 1681i, states to follow a set of procedures to dispute accuracy. 

Please DELETE the prior collection as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Halsted financials XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Demand Dear Sir/Madam, I am writing to formally request that you immediately cease and desist all communication and collection efforts regarding the alleged debt referenced by your organization. Under the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request that you stop contacting me. 

Please take notice that I do not acknowledge any debt owed to you, and I request that you cease all communication with me, including telephone calls, letters, or any other form of contact. Additionally, if this matter pertains to a dispute over a debt, I ask that you provide proper verification and documentation of the debt, as required under the FDCPA. 

Please be advised that any further communication beyond the limited scope of legal proceedings will be considered a violation of my rights, and I will pursue all available legal remedies to stop any further harassment. 

Should you fail to comply with this request, I will not hesitate to escalate the matter and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Thank you for your immediate attention to this matter. I expect confirmation that all contact will cease. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account # : XXXX XXXX & XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 an 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 or 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 or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account and Kia fin AM account has violated my rights.

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on this account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that CREDIT BUREAUS is reporting the wrong address information on my credit report. Please delete the following listed addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/2021
Product: Money transfers

I have been trying to transfer funds from a car buyer who insists that we use PayPal to complete the transaction. 
I find Paypal very deceptive in it 's description of it 's services. I have called PayPal customer service numerous times & never told the entire procedure to xfer money. For example : their web site allows you request set up for a " Friends & Family '' money transfer & send the request to the other party. However when the sending party tries to send the requested sum they get a message that the precipitant ( me ) is not a " Verified Member '' & blocks the transfer. 
This is true, to be a Verified Member I must provide Paypal with my Bank account information & they offer XXXX options : Instant Verification & a second method. I chose the second method because the Instant choice requires you acknowledge their " Term & Conditions ''. Upon reading it, I learned that I would be granting them a Power of Atty over my accounts & if I were to take legal action against them I would have to pay their legal expenses. Not acceptable & deceptive! 

When speaking to the Customer service people, who are very courteous but perhaps not fully knowledgeable, I was told, " that requirement was found in your Terms & Conditions Agreement ''. Upon further discussion with the last customer service rep. I press to find out if there were any other impediments to allowing this transaction go forward. I was told " I must confirm my email address '' before the transaction can go forward. 
Paypal allows people to start transactions but does not inform you that additional requirements must be met for complete approval.
Product: Checking or savings account

I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. <P/>Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. <P/>Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.
Product: Credit reporting or other personal consumer reports

I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

please correct my credit files soon.
Product: Mortgage

I had overage of {$5400.00} in my loan account XXXX and CrossCountry said they sent me a check of this balance, but I never got it. Im so XXXX  of this company that I moved to another mortgage company. I got one check from my escrow balance when I closed my account but still missing the {$5400.00}!
Product: Prepaid card

I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).
Product: Payday loan, title loan, or personal loan

I have been loaning with this company for several years. They have consistently held my check for 14 days after the due date to renew the loan. Suddenly, without warning, they claim they are no longer allowing checks to be held past the due date. They never informed me of this, and I have always made it clear that I extend it for the next pay period after the due date, and they never have a problem. Now they are threatening to deposit my check and cause me major problems with my bank.
Product: Debt collection

XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by XXXX XXXX XXXX back in XX/XX/XXXX that I owed XXXX. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute XXXX XXXX XXXX in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.
Product: Mortgage

XXXX purchased my loan from XXXX XXXX in XXXX XXXX  and has racked up charges of {$170000.00} and now to buy payoff my loan in XXXX year is {$260000.00}. They won't do a loan modification stating that is 25 % hiring than my original note. My house is in foreclosure, I want this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i took out a loan against my house with XXXX and it was closed on XXXX XXXX and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with  XXXX   XXXX   XXXX , in   XX/XX/XXXX  t he car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to  XXXX  causing additional fees.  XXXX  received t he payment in  XX/XX/XXXX .Wh  en  the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that  XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.       XXXX   poor business practice has errouneously reporte d incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Product: Checking or savings account

Hello... 
I received an email from Wells Fargo letting me know that my XXXX XXXX XXXX had deposited into my account early. Do instead of it depositing on Friday, I received the funds on Wednesday. 
This would've been XX/XX/XXXX. 
At the time of my XXXX XXXX XXXX transactions, my account was already overdrawn by {$300.00}. 
So when my deposits took place on the XXXX, my account should've automatically became positive. 
I had one deposit for {$1400.00}, and a second deposit for {$600.00}, both of which were my payroll deposits. 
But for whatever the reason, even though I was informed of the early XXXX XXXX from Wells Fargo, the funds didn't actually post in my account until Friday XX/XX/XXXX, so when my bill payment of {$400.00} posted on XX/XX/XXXX, instead of my account being positive, now my account was overdrawn by {$700.00}, and no one at Wells Fargo Customer Service could give me a reason as to why their business practices are inaccurate when it comes to giving their customers their account information.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file stemming from an alleged identity theft. However, there remain items that require attention. Upon reviewing my updated personal credit reports, I observed that an inquiry and inaccurate information persist on my profile. I have contacted the relevant company regarding the aforementioned inquiry and requested its removal from my credit profile. Previously, I had requested that you conduct an investigation into the inquiry on my credit report to ascertain its authorization. And I know your investigation is concluded, and it corroborates my assertion, kindly expunge this lingering inquiry and inaccurate data. Additionally, please furnish me with updated copies of my credit reports devoid of these remaining items. Details of the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative to note that the disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates ( 1 ) suitable proof of consumer identity, ( 2 ) an identity theft report copy, ( 3 ) consumer identification of the disputed information, and ( 4 ) a statement attesting that said information does not pertain to any transactions by the consumer.
Product: Debt collection

XXXX XXXX XXXX has repeatedly sold a fraudulent debt to collection agencies who in turn have reported the debt to my credit report. I have repeatedly filed fraud alerts, placed a freeze on my credit file and previously reached out to no avail. I have filed a dispute with XXXX at this time and will file an identity theft case yet again with local law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to order my credit reports from Experian and XXXX and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.
Product: Credit card or prepaid card

My son left his job at XXXX in XXXX, MD, where he had been issued a credit card. On XXXX XX/XX/2021, he received a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL, saying that they were in the process of upgrading his account to a premier account, but needed documentation under the USA Patriot Act to complete the upgrade. The letter asked for him to send 2 primary ID ( such as copies of his passport, driver 's license, military card, green card ) and 1 additional ID ( such as SSN card, utility bill, paystub, bank statement, etc. ) It also provided a toll free number : XXXX. Supposedly the offer was sent because he was no longer receiving payroll loads from his employer. It was signed " XXXX XXXX XXXX XXXX '' I'm concerned that the letter solicitation is a fraud. My son moved to another company, so he doesn't care to have a XXXX credit card, but others are not as fortunate.
Product: Payday loan, title loan, or personal loan

I contacted Klarna mutiple times to receive a refund for my orders because the merchant did not honor their 30 day return policy. Which is clear as day on their website. XXXX XXXX XXXX They told Klarna they do not accept returns but they do according to their policy. I want both orders refunded.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 168i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of this information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the re investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

I've attached my driver 's license and a piece of mail with my current address on it.