23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

To Whom It May Concern : I am composing a complaint about PayPal Inc. On XXXX/XXXX/16 I made XXXX transactions ( $ XXXX-XXXX & $ XXXX-XXXX ) using either my PayPal Business Debit card and on XXXX/XXXX/16 I made another purchase using my PayPal ( $ XXXX-XXXX ). All XXXX transactions, according to PayPal 's Mobile App informed me that there were enough funds to cover these transactions, since I made a cash deposit to my PayPal balance of {$41.00} on XXXX/XXXX/16. However I 've been informed as of late by several employees of PayPal 's Customer Service Dept " Not to trust PayPal 's App '' and " Not to be reliant upon PayPal 's App, but rather on [ their ] website. '' This does not help the consumer, like myself, be informed quickly and conveniently of funds that are available. PayPal insisted that i did n't have the funds in my regular PayPal Balance to cover those XXXX transactions, but only {$3.00}, which was applied to the first transaction of {$13.00} bringing it to {$10.00}. As a result of this, PayPal the withdraws debited transactions from a connecting checking account, which all PayPal users must do to initially open a PayPal account. At that time there was n't enough funds within my checking account to cover said debts. Therefore PayPal 's requests for the funds were denied. unbeknownst to me and assuming PayPal already acquired these funds from my PayPal balance, since I noticed it was low. So therefore I made a cash deposit of {$46.00} on on XXXX/XXXX/16 and another cash deposit of {$50.00} on XXXX/XXXX/16. With that being said each and every time I make a cash deposit towards my PayPal Balance, PayPal charges my {$3.00} each and every time to " Load Up '' using a PayPal Load Up Card. ( Also every time I used a new load up card and tried to claim such funds using the card 's PIN on my mobile browser, I would get an error message. It would only work correctly when I used my desktop computer 's browser through paypal.com/cash. ) Meanwhile the XXXX transactions of {$10.00}, {$9.00}, & {$9.00} kept " ping-ponging '' back and forth from my checking account and PayPal all the while my XXXX deposits of {$50.00}, {$46.00}, & {$41.00} were completely ignored by their computer system. PayPal 's computer system kept doing so until it finally debited my checking account, and only to be sent to their collections debt because PayPal states that I 'm - {$7.00} overdrawn and stands firmly that they did not receive the funds originally from my checking account. After speaking with PayPal over and over again, and being switched from supervisors of their customer service dept ( which is all outsourced in XXXX ) told me that I should call and ask my bank if those funds were returned or honored. I was outraged and livid upon this matter! This is double-Dipping! And I 'm appalled at their behaviors concerning this matter. It is illegal! it has to be! If not, It should be! I have screen shots attached to support my complaint against PayPal and their shifty ways, smarmy, double-dipping, lying, and misinformed ways. Please investigate this matter quickly and justly. Thank you for your time and concern.
Product: Credit reporting or other personal consumer reports

Tried to do the debt repair for XXXX XXXX XXXX but keep getting kick back on the information I sent in the mail several times.
Product: Credit card or prepaid card

Fraudulent card issued by bank of America Fraudulent card issued by XXXX  Online Fraudulent by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE XXXX  XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' Hunter Warfield qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Hunter Warfield the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' Hunter Warfield, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Initiated internal wire transfer request on XX/XX/XXXX online from BofA mobile app for {$38000.00} to be transferred to local bank in XXXXXXXX XXXX XXXX XXXX XXXX 

Wire transfer request was processed, amount deducted from my account and status marked as Completed on the wire transfer request. 

Receiver did not receive wire and was not able to get any details from their bank without XXXX code for the wire transaction. 

Made an appointment with BofA XXXX XXXX on XX/XX/XXXX to inquire about the transaction. 

Got an update from XXXX branch representative on XX/XX/XXXX that international wire transfer request was rejected because of incorrect reason code selected and that amount was returned. Was told to expect a refund back in my account soon. 

Had requested a copy of the transaction from the bank, they could not email me or fax. Went to the bank on XX/XX/XXXX to get a physical print out of the case / details of the wire. 

Found out from the printout shared that receiving bank had rejected and returned the amount on XX/XX/XXXX, same day as the transaction was processed. Its over 10 business days and still did not get a refund back on my account for the amount that was deducted. 

Initially bank told I will get the funds refunded 3-5 business days, then went to say 7-10 business days. I am still waiting for the refund. Not able to get any details from the bank, any time I go to the branch or call the Online wire transfer department all I hear is wait it will be credited, but don't get any information about when it will really happen. 

XXXX was opened with Bank of America wire department on XX/XX/XXXX. Calling them to request for an update on the case gets no where and when requesting to talk to a manager they just say manager will call back within 24-48 hours but hear nothing from them. 
Reference Case ID XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account was delete as a result of identity theft and the data breach and experian put it back on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called my mortgage company Ditech due to my bill payment. After they resolved my bill payment problem, they solicit me and told me about refinancing my mortgage. The representative told me about the program and asked a few questions and asked me if I would be interested. I said yes. They sent me papers to sign electronically, didn't disclose the interest rate or anything in detail, just general questions. Next think I receive a credit report in the mail. Ditech pulled my credit without my knowledge. The representative did not ask me if it was OK to pull my credit. They had all my personal information and I guess they felt it was not necessary to ask. I would have told the representative not to pull my credit. He sent me paperwork to sign a refinance and if I would have gone through the paperwork, I would have done something I did not authorize. They continue to send me paperwork with urgency to sign. This is not the way to treat consumers.
Product: Mortgage

I have a mortgage account with Guild Mortgage and have for several years. I do almost all my account servicing through the company 's online account portal. Last XXXX, XXXX, my online account access ceased to recognize me. This happened once before for less than a month before the online access was restored. I have easily spent over 40 hours of my time trying to get this resolved. I have called and written to customer service, escalations, the local office and the customer service point person XXXX XXXX, stopped responding to the status of the resolution XX/XX/XXXX. He did tell me quite a long time ago that this issue is a 'known problem '' with a few accounts. For the first six months I had no account info at all as I opted for paperless setting. I do receive mail statements but I must have full, reliable, 24 hour on line access to my mortgage account. I have reported this the the area XXXX  last month and they have not received a response from the company. I do not know what else to do. The staff at Guild are always professional and courteous but my serious problem does not get fixed. I am hoping that by escalating the complaint to 3rd party enforcement agencies, that I will finally get back my full on line account access for my mortgage.
Product: Debt collection

XXXX XXXX, I received a letter from NATIONWIDE CREDIT CORPORATION about a alleged debt of {$390.00} that i do not owe, so on XX/XX/2020 i sent them a certified letter requesting the validity of the alleged debt, a copy of the contract or agreement from the original creditor, and to cease and desist all activity.I haven't gotten a response from them as of yet concerning this debt.a copy of the letter is attached below.
Product: Credit reporting or other personal consumer reports

I Recently disputed an account on my credit report, because it was reporting inaccurate information. The information was updated on the account and verified by the credit bureaus. I still believe that this account is reporting inaccurate information, and this is actively affecting my life and creditworthiness. The account listed below is reporting late payments on this account and I never been late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting of this account. Also, I was granted forgiveness of this student loans and all of the payments thru the XXXX XXXX administration program which the disbursement of the payments shows I was never late. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax decided to close the 2. account listed which originality contained this late payment information which is incorrect and then place it on the first account and change the status to closed. I don't believe that I received an actual investigation rather than just take whatever information the data furnisher provided, which is a violation against my civil rights. I will provide proof of my claims in the documentation 's sections
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Product: Mortgage

I have had a XXXX balance on my HELOC with Shellpoint Services for about 3 months. I received an alert that Shellpoint has notified the credit bureau for 60 day delinquent payment. I contacted Shellpoint via phone and the woman confirmed that my balance was XXXX and that I did not owe them any money.
Product: Checking or savings account

I was charged " excess tax fees '' multiple times when transferring money between accounts online. The fee is {$9.00} each time. These fees were charged XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

There was an incident. I reported the individual to the ftc I believe. But this is the scenario. The persons supposed name : XXXX. Number : XXXX. His associate : XXXX XXXX. Another number of a supposed lender XXXX. Another number : XXXX Gave them the payment on XX/XX/year> What happened : I met this person on XXXX XXXX Their profile name was XXXX XXXX XXXX  This person was doing live streams saying they can get any business funded. After the live stream I talked to them on XXXX Then sent them text messages. They said they did this by buying XXXX XXXX and accessing the XXXX XXXX XXXX and putting the XXXX XXXX in an XXXX. They said the funding was guaranteed. They said it was gon na be XXXX worth of funding. The fee was XXXX, then XXXX for getting the XXXX  funded. They said it could take up to a week but a lot get funded in a day. I gave this person the info they asked for. They asked for my name, XXXX  name, XXXX, XXXX, Date of birth, email, address, XXXX  address, DL or passport/I gave them my passport because my DL was expiring, bank and XXXX and account number. After I gave them this info they blocked me on social media, and stopped responding to my calls and text messages. I know what these people are doing is trying to steal peoples funds and identity theft because they ask for peoples SSN, Date of birth and other things. 
I filed the dispute with bank of america and they denied my dispute of XXXX. These people above are scammers and I want my money back from them. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax It seems that XXXX  XXXX is reporting to you on XXXX accounts XXXX and XXXX but they want me to give them information, THAT TELLS me that they do not have the documentation to report anything, Documents enclosed as fact
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Bank of america notified me they were closing my direct deposit account and would not give any reason for that.the only thing that they would say is they were closing it and I couldn't do anything about it.the only thing I see is a fraudulentXX/XX/XXXX attempt for XXXX dollar with drawl the bank stopped
Product: Credit card or prepaid card

In XXXX of 2023 I made a purchase on XXXX using my Capital One card through a third party - XXXX in the amount of {$270.00}. In XXXX if 2023 I returned multiple items from that order to the store. The return amount totaled {$110.00}. On XX/XX/XXXX I received a partial refund of {$31.00}, then another partial refund on XX/XX/XXXX of {$41.00}. I contacted XXXX customer service through chat and phone calls numerous times During the months of XXXX and XXXX to inquire about the remaining refund amount of {$42.00}. I was repeatedly told that it was processing and the time frame varied from agent to agent. Some agents told me 5 days, others 10, and yet others 30. I tried to file a dispute through XXXX but they refused to investigate. I filed a dispute through capital one. Capital one temporarily credited back the full amount of the purchase while they investigated. On XX/XX/XXXX capitaone stated they resolved the dispute and found that upon their investigation the charges were correct and charged my account the full {$270.00}, taking the partial refund issued to me by XXXX. On XX/XX/XXXX I sent a letter to capital one with documentation showing the refund owed to which they replied the next day that I did not provide documentation. Capital one did not investigate the dispute and took the original refund issued to me.
Product: Credit card or prepaid card

I received a letter from Capital One XX/XX/XXXX, XXXX saying they were closing my account because of inactivity. The problem with this is that there were a number of reward points associated with this account. And this closing letter was the first communication I had from them saying they were doing this. I never received a warning letter or a letter saying if something wasn't charged to the account that the points would be forfeited and the account closed. I called Capital One on XXXX different occasions after I got the letter and talked with XXXX different people, none of whom were able to resolve this for me. I asked to speak with a supervisor repeatedly and was never allowed to do that. I asked if the account could be re-opened or the points could be transferred to another account that I still have there, and was told no repeatedly. The last person I spoke with said she'd 'write a letter ' to appeal the decision and call me with the results. She called today and said they would do nothing to help me. The points are gone, the account will not be re-opened, and points can not be transferred. This is just like them taking money out of my pocket with no warning or ramifications. It's just not right and they're not willing to fix it. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information and the company was paid and wont remove from my report
Product: Credit card or prepaid card

Capital one. Has not fixed the issue .. 2 cards open in my name without my knowledge by someone I know. I went to purchased house saw the cards on my credit report. I paid them down. Now the cards are maxed out. Over {$4500.00} on the cards. I dont even have the cards in my possession. I dont shop at XXXX XXXX, XXXX, XXXX