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

On XX/XX/XXXX I had a customer file a false dispute on a dress she bought from me. 

Paypal immediately took {$120.00} from my account within MINUTES of the report and demanded I pay them to bring the account to a positive balance. 

I did so and complained about the process.. They ignored me. 

I provided numerous screenshots proving tears and condition were disclosed on the listing, in images AND on the invoice. I also stated that I believed the customer had her daughter wear the dress in a pageant and then filed a false report because she admitted her daughter wore the dress to the pageant. This was all provided through the official resolution center and recorded as a response. 

Paypal ignored my screenshots and stated they refunded her anyway. 

I reached out and asked why after I provided evidence. They said they didn't get the screenshots and didn't ask me for them because they didn't 'think ' to do so. But I could appeal when I received the dress back. 

The customer was permitted to return the dress she used. 

Then Paypal deducted ANOTHER {$120.00} from my account today XX/XX/2020. 
Recall : I already paid for the {$120.00} on XX/XX/XXXX. 

I also received an email from them stating the reason they found in favor of the customer was because I didn't respond to the claim. 

This is false. I replied to the claim and they admitted it. 

I replied to the email and got an automated reply to message through the resolution center. 

I messaged in and waited three hours on chat for a reply. 

XXXX stated Paypal acknowledges the summary was not correct but refused to send a corrected statement summarizing the dispute. 

I asked why I paid twice and he refused to provide an accounting or explanation saying " it just looks that way '' I asked for a manager. He refused to send me to one. 

I asked to be called. 

He said Paypal won't call their customers. 

I asked for the chat to be transferred. 

He refused. 

I informed him I'd be filing this complaint, he said " feel free '' Paypal has intentionally created false records and is refusing to correct them. 

These records are critical to my recourse against the lying consumer, my business history with Paypal and my personal records. 

They are required by law to provide factual summaries. 

They are required by law to provide accurate accounting on disputes and transactions. 

Paypal did neither and then refused to do so when asked. 

Paypal refused to escalate the matter. 

I would like a corrected case summary sent to me and I would like a full accounting and explanation as to why the {$120.00} was taken twice from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Product: Debt collection

On XX/XX/2018 I receicved a letter ERC stating, : ERC has ceased ALL COLLECTION efforts and will reach out to the Credit Bureaus to DELETE this account. They FAILED to do so!
Product: Checking or savings account

XX/XX/XXXX I opened accts. with Citibank responding to promotion that offered {$700.00} bonus for opening with {$50000.00}. I opened these accts. in person with XXXX XXXX, Personal Banker at Citibank XXXX XXXXXXXX XXXX, NY XXXX to be sure it was done correctly. We discussed what bonus I was interested in. Then I funded the accts. with online transfers. 
On XXXX XXXX, XXXX XXXX XXXX emailed me to tell me the funds had cleared and the required 60 days on deposit would make it XXXX XXXX, XXXX when I was free to take my money out, retaining only {$1.00} in acct. until bonus was received. 
On XXXX XXXX, XXXX he again emailed me to remind me everything was now clear and I could take my money out, again reminding me about the {$1.00}. 
With my XXXX Citibank statement I noted that only a {$300.00} bonus had been paid, and brought it to the attention of both XXXX XXXX, by email, and XXXX XXXX, another Personal Banker, in person. Subsequently it was also brought to the attention of XXXX XXXX, Branch Mgr. and ultimately I received a letter from Citibank saying I had not qualified for the {$700.00} because I had not maintained {$50000.00} for 60 days.
Product: Credit card or prepaid card

Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. 

Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing.
Product: Debt collection

Portfolio Recovery Associates sued us for a debt they had purchased from XXXX XXXX and was written off by the bank. We did not dispute that we owed money, but the amount was in question. We finally reached a settlement at a mutually agreed upon figure and paid the debt in full. PRA subsequently sent us a XXXX form claiming that we had tax liability of nearly {$27000.00} in written-off ( or forgiven ) debt. It is illegal for PRA to claim a write-off for an account for which the original creditor has already taken a write-off for, especially since they are a third party who never laid out any funds and the amount in question was already written-off by the original creditor. This is double-dipping to the IRS, which is tantamount to tax fraud.
Product: Debt collection

Response to file number XXXX I have never got any correspondence from Affirm as they had said that they would be contacting in there response to my last complaint I have even tried to contact them through mail and got no response Ive tried several times to get a copy of a signed contract and the ID they used to verify the identity but to no avail
Product: Credit reporting

I CONTACTED CREDIT REPORTING AGENCY BUT THIS PROBLEM HAS NOT BEEN CORRECTED. 
I I HAD DISPUTED ACCOU7NTS, MOST OF THEM NEGOTIATED AND SETTLED BY PAYING OFF, AND STILL OTHER DISPIED ACCOU8NTS. 
MY CREDIT CONTAINS WRONG INFO, WHICH MUST BE REMOVED AND/OR CORRECTED. ATT HOW MY CREDIT HAS BEEN DAMAGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX  XXXXXXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX   XXXX  XXXX XX/XX/XXXX   XXXX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/XXXX   XXXX XX/XX/
Product: Checking or savings account

Told me I information doesn't match what they have on record
Product: Debt collection

XXXX is charging me something isnt my charges. Dont know  how they have my information
Product: Vehicle loan or lease

This bank commented multiple violations, As a consumer they furnished me deceptive forms while creating a false belief .I would like to be reimbursement of what i payed to this company.This company has comment Fraud .By them doing this has damage my life for years.
Product: Debt collection

After reviewing my credit reports with all 3 credit bureaus on XXXX, I realized I had a collections account under my name to the Collection Agency : Caine & Weiner. As part of my due diligence, I submitted a letter of validation to Caine & Weiner, requesting proper documentation validating the legal obligation of payment, NOT a request for verification NOR a refusal to pay. This validation letter was sent on XXXX via certified mail. I received a response from Caine & Weiner, dated XXXX, without proper documentation validating this debt. In response, I sent a 2nd validation letter on XXXX, through certified mail, requesting the agency to present proper validation and documentation of this collection debt within 15 days. I have not received any response ( either by phone, mail, email, etc ) from Caine & Weiner up to this day, XXXX. Because this collection agency has failed to provide me with the correct validation documentation, their erroneous reporting to the Credit Bureaus has highly impacted my personal credit report negatively and has limited my opportunities to open new credit lines and take out a mortgage to purchase a home. I am sending this complaint to the CFPB for additional help/assistance to delete the erroneous reporting presented by Caine & Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Hi, I was under a mortgage forbearance with XXXX XXXX that started in 2020. I also did one other 3 month extension with XXXX. In the meantime, my loan servicer changed from XXXX to Select Portfolio Services ( SPS ). According to what XXXX told me, SPS would honor any agreement I entered into with XXXX. XXXX told me about the many options I would have to pay off the balance at the end of the forbearance. XXXX stressed to me not to worry and that SPS would honor any previous agreement. XXXX told me I can add the forbearance balance at the end of the loan. 

SPS did not give me this option. SPS only gave me the option of a repayment plan to bring my payments current. They want me to spread my payments over 24 mos. This would increase my current mortgage payment by around {$520.00} each month. This is not affordable. 

The only other options being offered by SPS are non-home retention that includes only a, 1. Short Sale or 2. Deed In lieu of foreclosure. I have not been given any other options. Currently, my family and I are afraid of losing our home. The letters I receive from SPS indicate starting foreclosure proceedings. 

SPS is telling me the only reason why they are giving me the high repayment plan, and nothing else, is because of the private investor. This is the only answer I receive. I am ready and can resume making my mortgage payments but it seems as though I'm being forced out of our home and into foreclosure. I asked if they can put the balance at the end of the loan, or do a modification and I was told NO. SPS told me the reason is because that's what the private investor wants. 

There seems to be a disconnect between what XXXX told me and what SPS is doing. I was led to believe by XXXX that I have other more reasonable options.
Product: Student loan

I agreed to set my account on " autopay '' for Navient to debit {$230.00} per month from my checking/debit account. On XXXX XXXX, XXXX, Navient debited {$480.00} from my account which is {$250.00} more than I agreed to pay monthly. They debited more than double the amount authorized without informing me of the increase. When I spoke to a customer service representative, she said that I received information about a graduated repayment plan in XXXX - yes, XXXX. That is 2 years ago. Since that time, my account repayment has been renegotiated on a couple different occasions, and no one informed me of the increase. The customer service rep told me that I received an electronic notification in XXXX XXXX that my payment would increase. I did not receive that correspondence. Even if the payment amount went up due to a graduated repayment plan, I NEVER authorized this company to debit more than {$230.00} from my account in writing, on a voice recording, by email, text, or any other method of correspondence. Even if they increased my payment amount, they should have billed me for any remaining amount higher than {$230.00} so I could either pay on my own accord or contact their auto-pay department to AUTHORIZE Navient to debit my bank account for a higher amount than what was agreed upon. In addition to filing this complaint with CFPB, I am also going to my bank to make sure this company can never automatically debit any amount of money from my account again.
Product: Vehicle loan or lease

I have a cosigner who had a good credit score back when we initially got my truck in 2020 my three year was up and unfortunately hit my hunters credit score dropped so the guy told us theres nothing we can do unless you put money by the whole car outright Unfortunately I just lost my sister unexpectedly and they just came and repo my car
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Credit card or prepaid card

i have a capitol one creditcard open XX/XX/XXXX in XXXX i XXXX XXXX XXXX XXXX XXXX XXXX was facing financial hardships and couldnt get to bay by bill ontime as useto right before. i was paying my bill ontime. an im asking for a second chance plz to be back on the right path an i will star makin ontime payments again
Product: Mortgage

In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''.

It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION.
Product: Checking or savings account

I opened a Wells Fargo account recently ( XX/XX/30 ) and went to the local branch to deposit my money to pay this months bills with. I asked about a card since I have a new account if they offered temporary ones or anything and they didnt. So I deposited {$400.00} and then {$1700.00}. I sent my fianc {$700.00} through XXXX as that was the only way I could access my money without a debit card. Today ( XXXX ) I go to make my monthly bill payments and my account has been drained by a XXXX XXXX XXXX XXXX XXXX for {$400.00} and {$1000.00}. I contacted the bank about the issue and was simply transferred around to different employees who expressed how they did not understand how this was possible. I finally was able to file a dispute which is said to take up to 10 days, leaving me with late fees on my rent and broke until this is resolved. How can my bank be emptied without even notifying me and how can a card be used when there was not one issued?? This is an inside scam or something I need my money back something shady has went on and I am stuck in the middle of it. I do not have an account or affiliation with any of these charges other than the XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A representative named XXXX from XXXXXXXX XXXX came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by Synchrony Bank with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

yes I contacted portifolio recovery by phone and fax requested proof that they validate this false dept with XXXX XXXX they stated they would they never did
Product: Debt collection

Upon reviewing my recent credit report, I found multiple accounts that I believe are inaccurate and were added without my consent.