23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was on vacation in XXXX XXXX XXXX. I was XXXX XXXX XXXX XX/XX/XXXX and my phone was taken from me. The thief got into all my bank accounts, credit cards, and my PayPal account. I had a PayPal balance of + {$200.00} on XX/XX/XXXX. 
I communicated what happened to PayPal as soon as I discovered the fraud on XXXX. The account was several XXXX XXXX overdrawn. I had the account locked down so the thief couldn't do any more damage. PayPal customer service guaranteed the account was safe and locked. 
I was horrified to discover on XXXX that PayPal did not lock the account down, and the thief had charged even more. I called PayPal again screaming to lock the account down. Again PayPal said the account was locked down and safe. 
To my surprise and dismay, yesterday I received an email my PayPal account was - {$15000.00}, my fraud claim had been rejected, and they are taking me to collections. 
I am in the middle of trying to purchase my first home. My credit score has been decimated from this and now I don't qualify for a mortgage. On top of that, I am being harassed by PayPal 's debt collectors. I called yesterday and have had the case re-opened, but nobody at this company cares or is doing anything. Meanwhile, this is destroying my life. I need help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate. 

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

This complaint replaces complaint XXXX. It is not a duplicate. I needed to give a more clear view of the transactions. These transactions were not authorized by me. Typically, I check my account every week. I did not do so as I typically would during these last few months. I receive e-statements online and not paper statements via email. However, I did not notice the transactions until I filed the dispute. Upon doing so, the card was cancelled and a new card was issued. I am not aware or recall any of these transactions being authorized by me. In addition, the dispute department failed to honor my dispute based on groundless claims such as log in attempts to my account coincides with transactions which is ridiculous. I log in to my account almost everyday whether I am making transactions or not. In addition, I informed the representative I kept my pin number on my card which could have made it easy for someone to use it whether I had my card in my possession or not.
The team had 3 weeks to investigate and decided to take me through the stress of waiting for a decision. A decision that could have been made in a few days at best. Why send me a new card to only reject my claim? I am upset about the way they do business and how a simple solution has turned into something complex. The money is not a lot of money to me and it is not worth the hassle Capital One is putting me through. I do not recall these transactions and unless they proved the transactions was made by me .... The dispute should have been honored and I should have been issued a refund. Period!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  M XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX pull on 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 XXXXXXXX has block or suspended my login to dispute. l have made a copied of notice. Experian hasn't responded or remove the deleted accounts. XXXX has the same inquiries and still waiting on response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX  - XXXX : {$1300.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$47000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXX ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 FIRST HELP, RESIDENT VERIFY Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

Again XXXX monthly statements for XX/XX/05 and XX/XX/05 They may appear to have matching amounts, however if you notice the small difference in the amounts on both statements. XXXX XX/XX/05 statement XXXX XX/XX/05, as small as the discrepancy how is it possible to be wrong on both statements?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Credit karma unfairly closed me account after I disclose THEE fact that me have a intellectual XXXXsomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from credit carma account and credit carma do not help me. I reported a call to the polices and they give to me a number XXXX XXXX.
Product: Credit card or prepaid card

fell behind and having financial hardships- company wont work with me on lower interest and possible settlement offer
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$360.00}
Product: Payday loan, title loan, personal loan, or advance loan

I made a payment to klarna on XXXX and it was received on XXXX. As.of XXXX. They are still showing that I owe this balance in error. They admit they my $ but are telling me I have to wait an additional 72 hours or more to see it posted on my account. I am also trying to make a final payment of {$51.00} as.of.XXXX to close my account but they are refusing to allow me.to do so due to the pending payment they are holding. My account should be at {$0.00} bit because.of their.mishandling.of my money and refusal to take payment I am accruing interest.on over {$100.00} that I should not owe at this time. 
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Product: Checking or savings account

I had a chime account in 2022 and already submitted a complaint about this to which a generic message was sent by a representative of the company. I attempted to pay for an oil change at XXXX XXXX XXXX. The total was {$70.00} and change. Chime declined the transaction, put the money on hold and then never gave it back. I spoke with 2 representatives who found the transaction but could not remedy the issue. The other couple representatives said they could not see the issue. I stopped using chime and closed the account.
Product: Credit card or prepaid card

I opened amex gold credit card on XX/XX/XXXX when I saw they offering XXXX welcome bonus with XXXX purchase within first 3 months. After I spent more than XXXX using this card, I still didnt receive the reward. So I contacted them today, XX/XX/XXXX. they told me they canceled my welcome bonus and refused to give me a reason other than copying the terms, which none of them applys to me. I did not receive any form of notification about i am not going to receive the bonus. Therefore, I highly doubt whether they really want to reward their customers, or this is just a false advertising. I'm upside now because I have been their card member for years and now they are taking advantage of me and lying to me like this. I'm really disappointed with how they treat their customer and seeking helps from you. Thank you for any kind of help.
Product: Credit card

I am filing a complaint against HSBC for failing to properly protect my account from fraud in relation to their merchant services. On multiple occasions, high-value payments were processed through my account without step-up authentication, despite the incorrect CVV being entered. This should not have been allowed, especially for large transactions. My boyfriend was the one who thought it was making a charge on his card and his XXXX account therefore typed in his CVV, I was gobsmacked to see this payment process. 

I initially contacted HSBCs customer service, and they falsely assured me that the correct CVV had been entered for the transactions. However, I later documented video and photo evidence of the same issue occurring a second time, clearly showing that the wrong CVV was entered, and the transaction was still processed without the necessary security measures. 

This breach of security raises serious concerns about HSBCs merchant services and their handling of my account, as they allowed multiple high-value payments to be approved without proper validation or step-up authentication. The misleading information provided by customer service, coupled with the failure to address my security concerns, has left me with no confidence in the protection of my account. 

I am escalating this matter to the CFPB because HSBCs neglect in safeguarding my account has exposed me to undue risk, and I believe they have not properly handled my complaint or taken appropriate action to resolve the issue.
Product: Credit card or prepaid card

Chase bank has erroneously reported that i have made charges that i did not. 
Additionally they have not resolved this correctly in my favor.
Product: Credit reporting or other personal consumer reports

This is one of MANY soft credit checks on my report 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 I have not used my credit and have over 50 credit checks since the beginning of XXXX  ... this is only ONE company and i dont kknow what to do because my mother stole my identity!
Product: Mortgage

On XX/XX/XXXX my husband and I lost our home to an EF-4 tornado in XXXX, KY. It was a complete loss. Our insurance company promptly issued us a check to cover the property. They issued us a two-party check, listing my husband and I, and LoanCare Servicing as mortgagee. The balance owed on the mortgage was {$35000.00}. The check was in the amount of {$140000.00}. We contacted LoanCare and per their instructions, we overnighted the endorsed check to the address they provided. LoanCare returned the check to us stating the was not endorsed. We then signed the check and again overnighted the check to LoanCare. We received confirmation it was received by LoanCare on XX/XX/XXXX. However, LoanCare did not apply the proceeds to payoff the mortgage until XX/XX/XXXX in violation in Regulation Z. Once we contacted LoanCare they further stated they would not release our funds until 15 days from the date of payoff ( XX/XX/XXXX ). On XX/XX/XXXX we received a check in the mail for {$1.00}. We again contacted LoanCare to inquire as to the reason for the {$1.00}. They stated this was for " overpayment interest. '' We need this payoff to be credited upon receipt of delivery as required by the law. Further, we expect our money to not be held hostage in this interim period as we seek to purchase a new home. We are also concerned there are other families that are also being subject to this unlawful treatment as a result of this life altering natural disaster.
Product: Mortgage

I have had Ocwen serving XXXX loans for my condo for several years now. When the financial crisis hit GMAC lowered my interest rate on these loans. This was done for a short period of time. Now they are raising the rate. I have made repeated calls to Ocwen asking them to provide me with the note holder so I could arrange a refinance or interest rate change. My condo is still worth a fraction of what I owe. They state to me that they can not provide me with any info for the lender. Once more thy state that I have no choice but to pay the increased payment or face credit problems. Now they are calling me on Sat. & Sun. saying that I better make the increased payment even though no bill has been received. I need to mention that I have never missed a payment through all of this. Yet I am receiving threatening phone calls from XXXX. Where is our consumer protection from these lenders and service companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, during the pandemic COVID19. In XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I was scared that I may lose my job. So scared that I had to start saving money and during this time I could not pay 2 credit cards out of the 5 I had. It was a tough choice but I had to save money in case I was let go due to the pandemic. I help pay for my father and mothers bills and I had to look out for them first. Prior to XX/XX/2020, I have never had a late payment on my credit cards. During this tough moment Capital One decides to penalize me. I did my due diligence and as soon as I found out my employment was secured and did not need to worry, I caught up on all credit cards payments by XXXX. I reached out capital one three times and they have advised they can not do anything. I feel as if I am being penalized for looking out for the well-being of my family and myself. After all the good rapture Ive had with Capital one prior to the late payments. All I am asking is for the late payments reported to the credit agencies from capital one regarding both my credit card to be deleted from my credit report. Please help me, because as a young adult it is affecting me harshly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Product: Bank account or service

I tried to deposit XXXX dollars into my ex wives account with her account number handy, and since I was not on a joint account they refused the deposit. 
The teller told me I needed a personal check or a money order. I said by the time XXXX of those are cleared she will get charged overdraft fees .So I had to wait for her to come home from work and deposit it herself. Why anybody banks here is beyond me. XXXX Bank will email you and give you until XXXX that night,, and all you have to do is put the cash in the atm. Chase tellers must have a quota on how many overdraft fees they can aquire, WHAT A JOKE BANK!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : XXXX XXXX Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX  XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX  XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I uncovered on XX/XX/year> that my credit score with Equifax dropped XXXX point for no reason. I have no late pays, collections, bankruptcy or anything negative in the last 10 days to have caused my score with Equifax to drop XXXX points. I spoke on XX/XX/year> to XXXX employees and XXXX supervisor who all acknowledged that there is no negative items in my credit report as of XX/XX/year> to have caused the XXXX points drop but they refused to escalate the matter to fix the situation which appears to be a system glitch or someone at Equifax manipulated my credit file. 

I have attached my credit report from Equifax taken on XX/XX/year> that shows my credit score was XXXX. 

Nothing changed in my credit report with Equifax in the last XXXX days to cause my score to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX fail to properly do a thorough investigation on my dispute.