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

I have a business account at PayPal to process credit card purchases. Parents register their children for driving lessons through my website and pay me online. Services are provided locally in person, by myself. 

XXXX of XXXX, a customer purchased and received driving lessons for her daughter XXXX of XXXX, customer claims her card was used without her authorization XX/XX/XXXX, PayPal informs me customer claims she did not make this purchase. There is no information from the customer herself or the card issuer regarding her claim. 
XX/XX/XXXX I provide evidence of fulfillment as instructed by PayPal I upload a file through the Resolution Center. 
XX/XX/XXXX, PayPal informs me that my proof of fulfillment is invalid and the case is closed, withdrawing {$290.00} from my PayPal account plus a {$15.00} dispute fee. 
XX/XX/XXXX, I contact PayPal to appeal. The online " Appeal '' " Report a Problem '' links do not work -- they follow a circle from the dispute, to the policy, to instructions for appeal, back to the dispute, with no means of filing an appeal. PayPal customer service tells me they have nothing to do with deciding the case, they just do what the card issuing bank tells them. I request the bank 's contact details, but PayPal will not provide them, only the bank 's name and a case number. 
XX/XX/XXXX, I finally reach the Fraud Investigations Team at XXXX XXXX XXXX. They look up the chargeback claim and tell me PayPal did NOT submit any evidence of fulfillment and the bank has not " closed '' the case. I prepare new evidence and fax it to XXXX, as instructed by the fraud team. But they have only ONE fax machine, by which ALL evidence for ALL fraud claims are received. The line is perpetually blocked. I have mailed my documents to them and I am waiting to hear back.
Product: Credit card or prepaid card

XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. 

I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit hack 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized credit inquiries that appear on my credit report, which I received on [ Date of Report ]. I have circled the disputed inquiries on the attached copy of my credit report. 
Inquiry. 1 : [ XXXX XXXX XXXX - [ Date XX/XX/year> ] - I did not authorize this inquiry neither was i there in personal to authorize any sales. 
Inquiry 2 : [ XXXX XXXX XXXX ] - [ Date XX/XX/year> ] I did not authorize this inquiry neither was I there in person for any sales. 

I request that you remove these inquiries from my credit report as they are inaccurate and negatively impact my creditworthiness. I am also requesting that you provide me with a copy of my updated credit report once these inquiries have been removed. 

Please investigate this matter thoroughly and respond within 30 days with the results of your investigation and a copy of my updated credit report. 
Thank you for your time and attention to this matter.
Product: Payday loan, title loan, or personal loan

Received a text to my cell phone about a debt. When I called, they had my social security number and stated it was a payday loan from XX/XX/2012. I never took out a payday loan. They said it was in the amount of {$790.00} and they wanted my credit card number. They have my current address and my previous address. His name is XXXX XXXX and it is case number XXXX from ACE Cash.
Product: Checking or savings account

XX/XX/year> I attempted to add a new wire transfer recipient ( technically an additional account for an existing recipient ). The recipient is an investment fund. When I added the new recipient it said it was unable to add it and that I needed to call to verify my identity. 

When I called they did not ask me for anything to verify my identity and said that I would have to wait 24 to 48 hours to try again, and that my account was under review for security concerns. 

I asked for any detail on XXXX ) how I could identify my identity either over the phone or in a branch XXXX ) what the security concern on my account was XXXX ) why they did not notify me of any concerns. They refused to provide me any information or any means to transfer these funds. They provided no opportunities to identify myself in any way. As a result I may be liable for late fees associated with this transfer.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXXXXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$700.00} XXXX XXXX- {$340.00} XXXXXXXX XXXX XXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.
Product: Credit card or prepaid card

I am reaching out after multiple attempts to get Barclays to rectify the fraudulent charges and subsequent issues with my Barclays XXXX XXXX. Fraudulent charges from XXXX XXXXXXXX were charged to my Barclays XXXX XXXX on XXXX XXXX, XXXX and XX/XX/XXXX, each in the amount of {$240.00}. After discovering the fraudulent purchases in my statement, I contacted Barclays who then proceeded to investigate and determined that they were, indeed, fraudulent charges. I requested that they close my account and issue a check to me for the overpayment, as I had already paid off the card balance in full. 

I received a check from Barclays in XXXX, XXXX for the overpayment and assumed that my account had been closed as well. Apparently they never closed the account, and instead mailed me a new card ( which I never activated ) and subsequently, a new statement with the same exact fraudulent charge from XX/XX/XXXX included, along with late penalty fees/interest. On XX/XX/XXXX, I spoke extensively with a Barclays rep who assured me the balance would be cleared from the new, unrequested card, and that the account would be closed. Not only was the situation not rectified, the other fraudulent charge from XXXX XXXX reappeared as well after speaking with Barclays. 

On XX/XX/XXXX, I spent 3+ hours on the phone and via chat with Barclays trying to get the situation resolved, but they have again failed to resolve the situation, with late penalty fees/interest accruing and likely damaging my credit score.
Product: Mortgage

LoanDepot has failed to deliver my escrow balance check of ~ {$3300.00} after I closed my mortgage with them and refinanced with XXXX XXXX. The loan was closed on XX/XX/XXXX. According to their customer service, two delivery attempts ( XX/XX/XXXX, XX/XX/XXXX ) were made, but I have yet to receive either of the parcels they supposedly mailed to me. 
I am very disappointed with their customer service. After multiple attempts to resolve this matter my own, I am submitting this complaint to let other consumers know how unethical this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference the letter that I am uploading. I sent this letter to XXXX and Trans Union on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.
Product: Credit reporting or other personal consumer reports

This is a formal request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency , block the fraudulent information appearing on my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. Specifically, I am reporting a fraudulent late payment associated with an auto loan account ( Account Number : XXXX ) opened at XXXX XXXX  on XX/XX/year>. This fraudulent late payment, reported as occurring in XX/XX/year>, has caused a delinquency on my consumer FICO credit report. I do not recognize this late payment, and I affirm that it is the result of identity theft and fraud. As supporting documentation, I have included an FTC Identity Theft Affidavit and FTC Criminal Complaint # ( XXXX ), which verify that this and related late payment ( XX/XX/year> ) is fraudulent. I demand immediate action to remove and block this fraudulent late payment from my credit report within the 4-day timeframe specified by law.
Product: Credit reporting

I GOT PER LAW THE OTHER XXXX CREDIT REPORTS BUT NOTYOUR AS THE PROGRAM WILL NOT LET ME GO FURTHUR THAN FILLING OUT INFO THEN CLICKING. BY LAW I CAN GET ON FROM EACH OF THE XXXX CREIT REPORTING COMPANIES
Product: Debt collection

An individual by the name of XXXX XXXX called my employers corporate headquarters in XXXX ( I live in XXXX XXXX ). When corporate let me know, I had them transfer XXXX to my direct line. He wouldn't let me off of the call after repeated attempts to tell him I needed to call from my cell phone. He was extremely hostile and misstated multiple facts about my debt and situation, and told me that if I don't give him my payment information right now, he would sue me. I repeatedly told him that I know my rights under the Fair Debt Collection Practices Act and each time I brought that up, he would cut me off and keep trying to get me to give him my information.
Product: Credit card

I had kept a Discover card account open just so it would raise my credit score ; I didn't use the card. I got a letter from them XXXX/XXXX/XXXX  saying I had to use the card by XX/XX/XXXX for the account to stay open. XX/XX/XXXX, I spent {$14.00} at XXXX XXXX. I thought I paid the debt on my XXXX XXXX card. On XX/XX/XXXX, I got email from XXXX saying there was a past due debt to Discover so I called the number on the card. The first agent I spoke to, XXXX confirmed my name but when he asked me for my email address, he said " No, that's not the email address we have on file! '' I asked him what email they had and it was for my now ex-husband. All billing statements had been sent to his email address! We went thru a horrible divorce and he purposefully did not send me any of the emails. I've talked with at least 6 agents at Discover ; they eventuallyswitch me to their supervisors. I keep explaining over and over that I didn't get ANY of the statements because they were sending them to someone else. They keep sending me emails over and over ; now my credit score is lower. I've begged them to leave me alone because I live on just {$1400.00} in Social Security and {$140.00} in food stamps. They still won't leave me alone. I'm XXXX, and I get no support from my ex, who is a lawyer who was XXXX  for XXXX XXXX and XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for ( and was approved for ) the Citi Thank You Premier Card on XX/XX/2017. Citi was running a promotional offer of XXXX points for spending {$4000.00} within the first 3 months. I charged approximately {$4200.00} within the first month of having the card. The XXXX bonus did not post to my account though. When I contacted citi customer service I was informed that there was no bonus offered when I applied and would not be receiving the bonus unless I could fax them proof that they offered the bonus when I applied. 

I did not take a screen shot of the application, and citi never sent me a letter ( electronic or paper ) confirming the bonus, so I have no proof that I can fax them. However, I am positive they were offering the bonus at the time of application. I have multiple credit cards already and the only reason I applied for the citi card was because I had $ 4,000+ worth of expenses coming up shortly and so would be able to easily meet all of their qualifications to receive the generous sign up. The sign up bonus was literally my only reason for applying for a new card, and I am positive the bonus was offered to me when I applied. I did not realize I needed to take a screen shot of the offer in order for citi to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Product: Mortgage

We purchased our house in XX/XX/XXXX the Assignment of Deed of Trust was signed on XX/XX/XXXX but was not recorded until XX/XX/XXXX. The closing date on the trust that the mortgage was put into closed on XX/XX/XXXX and that makes it that the assignment was not recorded in the right time frame for the trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Im writing this matter myself without the assistance of any third party. I hereby now will proceed with my dispute. 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. 

XXXXXXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX  Account # : XXXX, has violated my rights. 

XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

XXXX XXXX. Account # : XXXX, has violated my rights. 

XXXX XXXX. Account # : XXXX, has violated my rights. 

The Creditors and Credit Reporting Agencies ( XXXX, TRANS UNION, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and Im not because my personal information is being reported to consumer reporting agencies without my written consent. Im not secure within my papers and that's a violation of my fourth amendment right. Further, 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act states I have the right to privacy. Im being taking advantage of and I highly feel the listed creditors and the credit reporting agencies are conspiring against my rights to injure me as Im currently injured due to my right to privacy being breached. Im being deprived of my rights and I'm being treated unjust. The creditors listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( XXXX, TRANS UNION, and XXXX ). 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are doing to me as I did NOT authorize, nor give permission, nor did I provide written consent to any persons to furnish accounts. 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. My consumer report by law shall not contain any of the listed accounts that I have listed above. 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. I demand these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXX  are reporting old impermissible addresses upon my consumer report that my data could be mailed to and possible Identity theft can occur Old Addresses that are impermissible and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ILLINOIS XXXX THIS ADDRESS IS NOT MINES NOR HAVE IT EVER LIVED AT IT AND I BELIEVE ALL OF THEM ARE SENDING/REPORTING MY PERSONAL DATA TO THIS ADDRESS FOR POSSIBLE IDENTITY THEFT ISSUES THAT MAY OR MAY HAVE OCCURED : XXXX XXXX XXXX XXXX XXXX IL XXXX, THIS ADDRESS NEEDS TO BE REMOVED COMPLETELY
Product: Checking or savings account

I filed 2 fraudulent claims in XX/XX/year> for {$1400.00} each totaling {$2800.00}. 
I received a provisional credit. This week my provisional credit was reversed with no explanation and they have failed to send me the information they used to make this decision. I am now over drawn almost 4 months later.
Product: Credit card or prepaid card

The 3 Credit Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. These are the lists of derogatory accounts that are still reporting on my Credit Reports : NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00} NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00}
Product: Credit reporting or other personal consumer reports

REMOVE THE LATE PAYMENT OFF MY PERSONAL CREDIT REPORT IMMEDIATELY from XXXX, XXXX, and TransUnion!!! 

Account number : XXXX For XX/XX/year> In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXXXXXX - I need you to remove the XXXX late payments on my XXXX credit report. 
Account number : XXXX For XXXX and XX/XX/year> I DID NOT miss my payments. You guys charged me a monthly fee which did not previously exist. I DID NOT agree to this monthly payment fee and it is NOT OKAY for you to classify NOT PAYING as LATE PAYMENTS. 

I need you to remove these LATE PAYMENTS from XXXX XXXX, and TransUnion. 

I am NOT happy that you did that to my personal credit report. I called in and your supervisor assured me that they wouldn't be reported as LATE PAYMENTS were nothing but LIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Product: Checking or savings account

Claim submitted on XX/XX/XXXX Claim ID # XXXX My name is XXXX XXXX ( XX/XX/XXXX ) I submitted a claim due to the fact that my debit card was lost/stolen I followed all the steps the Bank of America asked I explained my story to about 5 different agents who all put different notes under my file after 10 business days they credited my account for the unauthorized transactions made to my account. 
Only for them to next re Open my claim and take the money back now my account is in the negative they did not give me a legit reason for them deny the claim when I did not use my card it has to be some proof they said they would look at the video surveillance I dont know if they did I did not use my card and I feel as though they did not make there decision correctly under REGULATION E It is a rough time for my family right now with me being out of work cause of convid-19 and I cant afford a major lost like this they credited my account then weeks later decided to take it back please help I have my income taxes coming to my account and my stimulus money but they put my account in negative by the money that I Go stolen out my account I am a victim of fraud and want justice
Product: Mortgage

Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023