23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX we secured a mortgage loan with New American Funding XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX XXXX. We set up auto pay and have never missed a payment. 

They requested that we get Flood Insurance through FEMA which we secured immediately. XXXX # XXXX. This policy has been renewed every XXXX since inception without delay. Our current policy term is XX/XX/XXXX thorugh XX/XX/XXXX. 
On XX/XX/XXXX we received a letter from the above mentioned lender that we were late on our XXXX payment and must pay immediately. ( Letter attached ). I called them immediately after checking our bank account and it showed as always the payments for XXXX and XXXX were withdrawn as scheduled. Trying to get ahold of them too three and a half hours. They said that we only paid partial payment. This was rediculous. Three different people told us different stories for why our payment after 9 and a half years had changed. One person said that it was an escrow account to collect FEMA Flood Insurance. When I said we pay that directly it took another 30 minutes for someone to come back and say that it was actually escrow for property taxes. I said that is bogus because we pay our taxes directly and they can see that they are paid to date. Then I waited another 20 minutes on hold for their Insurance Department. They could not give us a clear answer for why our payment is showing late and that the payment changed. 
Because we feared they would send a notice to the Credit Bureaus that our mortage was late we had to actually pay double payments and late fees. So our account is now over paid for XXXX and XXXX by {$3600.00} ( Payment attached ). 

We have zero control over this as they could not give us an answer other than pay it or they would report to credit bureau on XX/XX/XXXX or XXXX. 

Please help us to clear this up as they are not helping us at all. 

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

On reviewing my credit report, I noticed an issue with the XXXX  account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX, should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( XXXX, XXXX, and Equifax ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX and XXXXXXXX XXXX  are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all XXXX of my bureaus, XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from Experian XXXX, and XXXX is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed. 

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.
Product: Credit card or prepaid card

In XX/XX/2018, there was a charge from a merchant by the name of XXXX in the amount of XXXX charge to my card, that Citibank allowing. I have tried to talk to Citibank and let them know the charge was fraud and not to stop the recurring monthly charges. But talking to Citibank wouldn't help. So I decided to file a compliant. I had to cancel out my card XXXX times due to this. And Citibank is still allowing it to happen. I have asked Citibank to stop the transaction, but they will reversed it. and it appear on my statement. Another charge showed up for the month of XXXX. Citibank is not listening at all about what I have to say so I have filed a compliant.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$100.00} to my skrill account. I had been using the card earlier in the day so I didn't think there were any issues. On XX/XX/XXXX I awoke and tried to use the card at an ATM. The transaction was declined. I checked my app and it said my card was locked for security reasons and to " not '' contact them until after XXXX. I didn't understand and contacted them immediately. I was told there was nothing I needed to do and that it was a standard security check. They couldn't tell exactly when my money would be released. I asked why I wasn't notified and they said they didn't have to and that it's in their " Terms & Conditions ''. I asked where and when they told me the paragraph I began to recite it. After I finished I said that was not the correct and they hung up on me. This happened on XXXX occasions and both supervisors told me different paragraphs and both hung up on me after I read what they said. After this i called back again and nobody else would speak with me and just kept telling me I was going to get a call back later. It's been XXXX hrs now and my funds have still not been released and I still have no real time-frame or explanation.
Product: Checking or savings account

I am writing to formally raise a complaint about the ongoing issues with the XXXX XXXX feature in the Revolut ( online banking app ) and the misleading advertising related to it. 
My bank institution offers a feature called " XXXX Vaults, '' where customers can set aside money to earn interest. Last year, the functionality of the XXXX XXXX stopped working in the Revolut app. It became impossible to transfer, deposit, or withdraw money from the vaults. 
I contacted Revolut customer support, and after a prolonged period of seeking help, they eventually transferred all the money from my XXXX XXXX back to my regular account so I could access it. This incident occurred a year ago. 
Since then, I have been informed that Revolut is working on fixing the functionality of the XXXXXXXX XXXX. However, a year has passed, and the feature still does not work. Despite this, Revolut continues to advertise the XXXX XXXX and the interest rates offered. The functionality remains present in the app but is completely unusable, opening or using a XXXX XXXX is impossible. 
Over the past year, I have repeatedly reached out to your support team to report the issue, and I was told the team is aware of the error and working on it. However, Revolut continues to send promotional emails highlighting the XXXX XXXX and their interest rates, which is misleading, as the feature is not operational. 
I have raised several complaints about this, but no resolution has been provided. I request that Revolut stop advertising the XXXX XXXX feature until it is fully functional, as these promotions are misleading to existing and new customers. Promising interest gains through a feature that does not work is unprofessional and dishonest.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Money transfers

Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit form the following account. Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - XXXX XXXXl letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call XXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond
Product: Checking or savings account

On XX/XX/XXXX and XXXX 2023 our 2 checking and1 savings account money was stolen from our account. The accounts were linked. 
This happened at Chase bank at XXXX XXXX XXXX XXXX. XXXX, Il XXXX. 

Total amount stolen XXXX Account Ending in XXXX - XXXX. 
Account Ending in XXXX - XXXX. 
Account Endng in XXXX - XXXX. 
Total of all 3 accounts - XXXX. 

Chase says they looked into the loss and that I had stolen the money because my Pin was used. 
We went into Chase to appeal. The person that helped us looked at the activity and determined that it was not our fault. They called Chase fraud and had the case reopened and explained why. 
-The person that drained our accounts used XXXX XXXX. We have been with Chase for YEARS. 
- We have never used XXXX. 
- Why didn't Chase fraud see this unusual activity??? This all happened within 24 hours. 

They denied us a second time, same reason. 
This happened at the branch address above. They should be able to get pictures of this person. 
I am opening a police report tomorrow, please call me at XXXX with a incident report number if needed.
Product: Bank account or service

While paying a bill online, ( XXXX ) A browser extension changed the master card number right before I hit submit from my credit card ( Sufficient Funds ) to my XXXX master card ( no funds in that account, and low funds in connected bank account at the time ). I called the vendor immediately and explained, and as i wanted to avoid their extremely high late fee, paid with an alternative method, I also went on pay pal to cancel the transaction, and later called Pay Pal to attempt to resolve this. In the meanwhile, pay pal made 6 attempts despite my communication and double paid the bill, This caused my account at Wells Fargo which was in the positive to generate XXXX NSF fees moving my balance from {$3.00} to $ -XXXX. I explained to the branch manager the situation, in addition to having my case escalated that they were unable to do anything on the system as they had already " forgiven XXXX fee before '' ( also a fee on a documented unauthorized transaction that generated XXXX fees ), and that was after the venfor reimbursed me these fees. I then received a generic email informing me that they were unable to refund any of the fees. To me this seems like at best complete catastrophe opportunism. More likely, this transaction was unauthorized and should not generate fees for which I am responsible. The fact that pay pal did this as a go between perhaps makes this a little easier for them to rob me blind, but I have made all efforts to communicate clearly and immediately when i realized a mistake was made. If I was at a store ( as opposed to online ), I could have said please cancel this transaction and let me use a different card ), to me pay pal should make this easier, but they are n't the ones charging me " FEES '', in some ways this excess fees could be seen as a 151 % interest loan ) XXXX on a XXXX transaction, except the bank never paid the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX  account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years
Product: Vehicle loan or lease

For the month of XXXX my lease payment increased in the middle of my lease with no explanation of why and no one in customer service can tell me why, and they have refused to have a supervisor call me back after several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute online with Transunion ( TU ) requesting to have my account with the Texas Attorney General Office investigated for errors. On XX/XX/2020, I checked my update credit report to see if errors were corrected. Unfortunately, errors still remained on my credit report for this account. That same day, I sent a request via certified letter to TU advising that my account with the Attorney General still contained errors on my credit report and I would like to have them corrected. TU received and signed for the letter on XX/XX/2020. As of XX/XX/2020, I have not received a response to my request from TU. From indications, it appears that my request was ignored.
Product: Student loan

XX/XX/2018 I was in contact with XXXX XXXXXXXX XXXX. I did not create a new account with their company.
Product: Credit card

I always pay on time and never missed a payment. I'm begging you please update my account. 

Kindly update my account this causing me a lot of stress and anxiety.
Product: Debt collection

Conns XXXX XXXX Repeatedly calls despite being told that the person who they are trying to contact does not live at this address. Spoke to someone XX/XX/2019 XXXX Asked them to stop calling, the previous day I told them to stop calling and earlier on the XXXX my mother also told them not to call. On the XXXX a man told me he could not remove my number from the account and there was some sort of process to take the number off. After that have received several calls ; XX/XX/2019 : XXXX XX/XX/2019 : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights.15 U.S.C . 1681 section 602 A. states I have the rights 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.
Product: Checking or savings account

XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX  regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX  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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing this on behalf of my mom. 

XXXX XXXX Balance {$6900.00} Credit Card. I have never opened a credit card in my life. Credit Card date assigned XX/XX/XXXX. There are inquiry dates in XX/XX/XXXX. 
Inquiry for XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't speak English nor write, Called Consumer Services and Went to XXXX XXXX but they can not help me. 
I applied for the XXXX XXXX and during the application process we were told about this credit report. I don't know how to use the computer or apply for the credit.
Product: Credit reporting or other personal consumer reports

Tonight, I was saddened and frustrated to discover unauthorized inquiries on my credit report. I check it regularly, but this time, there were discrepancies that I cant explain. I even refreshed my browser, thinking it might be a mistake, but nothing changed. I am requesting that the documents Ive submitted be reviewed carefully to ensure this issue is resolved and doesnt cause me further stress.
Product: Money transfer, virtual currency, or money service

This is in regard to Venmo, XXXX # XXXX. 

On XX/XX/ I received XXXX, a cryptocurrency, from a friend who owed me money for a shared bill. Upon using Venmo to sell this cryptocurrency, so I could cash it to my bank account to pay said bill, Venmo limited my account. With this limitation, I can not gain access to this money, causing me additional late fees for the bill. I submitted a ticket with Venmo on the same day, and received the confirmation for Ticket # XXXX at XXXXXXXX XXXX stating that they will get back to me in approximately 7 business days because they need to " escalate it ''. I've reached out a few additional times throughout the week for an update, but can not get ahold of anyone, nor can I get ahold of anyone on a phone call. 

As stated before, Venmo is causing me additional late fees because they are withholding my money from me. Since I can not seem to get support through them, I have decided to file a complaint with the CFPB.