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

Description of the Issue : On XX/XX/year>, I made a payment using PayPal. During the checkout process, I noticed that the wrong shipping address was displayed. To correct this, I updated the address within my PayPal account, added the correct shipping address, and then reinitiated the checkout process. On the review page prior to submitting the payment, the correct shipping address was displayed. Confident that the address was updated, I completed the transaction. 

However, after the payment was processed, I discovered that PayPals system had overridden my updated shipping address and sent the item to an address XXXX miles awayone of my previously saved addresses in their system. This error occurred despite the correct address being clearly displayed on the review page prior to submitting the payment. 

When I contacted PayPals customer support, they acknowledged the issue but refused to take any responsibility for the error. Their response was dismissive, stating that the incorrect shipping address was used because it matched my billing address, which is not accurate. I have successfully made purchases in the past where the shipping and billing addresses were different, as is standard practice in the United States.

PayPals failure to honor the correct shipping address as displayed during the review process is a severe system glitch that has caused significant inconvenience. Their refusal to address the issue or provide a resolution, beyond a simple apology, demonstrates a lack of accountability. I am now left to deal with the fallout of this mistake, including the loss of time, potential costs to recover the item, and the frustration caused by their poor handling of the situation.

I believe PayPals handling of this situation is unacceptable for a company of their size and prominence. Their failure to ensure accuracy in transactions and their lack of accountability must be addressed to prevent similar issues for other consumers
Product: Credit reporting or other personal consumer reports

XXXX XXXX has downgraded and reported I am in collections, on my personal credit file with experian, XXXX XXXX and XXXX, the accout was a Corporate account, my personal account has and has had for several years a XXXX balance. This is illegal I am not a personal debtor to corporate a count
Product: Debt collection

I received a copy of my credit report and I am writing to dispute the following information that appears on my XXXX report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via Guardian Capital Management Hawaii on XX/XX/2023. Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report.
Product: Debt collection

I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening
Product: Credit card or prepaid card

I received a call on my Landline ( XXXX XXXX XXXX from people who said they were XXXX XXXX XXXX XXXX located in XXXX, CA. A woman stated, my computer had been compromised and the IP address is public and showing from XXXX. They ( people from XXXX ) went into my computer to show me their credentials and showed me my information including the XXXX website. They went into my XXXX account and profile including my XXXX XXXX account. I was shown state reports on my IP address and my computer which showed a public address for easy access for people ( hackers ) to get into my computer. They were going to fix my computers IP address so people would not be able to access my device. The hackers had me put my computer in airplane mode, look at the IP address,  the VPN to view this information with them. At one point, I was told to go to my internet router with my computer. These people saw my XXXX, XXXX, and XXXX XXXX information. They wrote out a computer plan of action ( see attached ) of what they well do and what my issues are. After twenty minutes on the phone they said I needed to buy XXXX {$100.00} XXXX gift cards from a local store to cover and dummy for the new IP address. Later, I was told those were not valid and I had to purchase additional cards. I purchased four {$100.00} XXXX cards from XXXX XXXX. I was told those were not valid. I went to XXXX in XXXX  and I say and alert on the XXXX. I stopped and made the necessary calls and filed a police report with the XXXX PD with Officer XXXX. 

Every agency has been informed ; the three credit bureaus ( freezes, alerts, identify thief ), account numbers and banks changed, new credit cards, XXXX membership, letters, calls etc. Additionally, on the same day and ONLINE, the hackers used my email and IP addresses to purchase a XXXX gift card for {$100.00} which Capital One approved. Before the {$100.00} XXXX gift card was approved the hackers attempted to purchase five {$100.00} cards from XXXX that were denied because the identity could not be verified as shared by a XXXX Supervisor ( see agents statement/Walmart account ). 

My past spending history, Capital One monitored and would stop my purchases to verify my identity. Lastly, Capital One should have stopped these purchases due to my past and present spending patterns and they are holding me accountable to the fraud and scam which were made under duress.
Product: Mortgage

On XX/XX/2016 I submitted an application online and finished it over the phone with XXXX at Amerisave Mortgage. At this time I told him that I had a 1st and a 2nd mortgage that I wanted to subordinated the 2nd mortgage to the new first and wanted to make sure that would be ok. He said that would be fine locked my rate ordered disclosures and collected the funds for my appraisal. XX/XX/XXXX I received my initial LE and no subordination fees were listed at this time. ( My loan was also priced incorrectly not listing my XXXX, which I did n't know at this time ) XXXX subordination paperwork was submitted via email and into Amerisave 's system. XX/XX/XXXX Appraisal came in lower than expected but new disclosures were generated with a rate adjustment for the difference. ( again priced incorrectly, did not know at this time XXXX XXXX new LE was generated with updated pricing showing subordination fees XX/XX/XXXX contacted Loan officer about the inaccuracies on LE, he said he would look into this and told me that he did n't have it priced with a XXXX mortgage being subordinated. XX/XX/XXXX email from LO stating his boss was looking into the incorrect fees but never heard back or received an updated LE. XX/XX/XXXX uploaded and emailed title work from the title company including a prelim CD showing the updated title company 's fees ( I still have n't received an updated LE on this either ) XXXX original subordination agreement was received by the title company and emailed to Amerisave processor XX/XX/XXXX Received an email from my processor at Amerisave stating that I had XXXX outstanding conditions, both items requested were emailed to her XX/XX/XXXX. XX/XX/XXXX I was informed that the information that was submitted on XX/XX/XXXX was n't enough and that it had been elevated to credit risk for approval. At this point I have processed my own loan and still have been given the run around. They have tried to charge fees that were well out of the three day window to redisclosue due to a change of circumstance and also did a bait and switch with my pricing, when it was fully disclosed at application that I was going to be subordinating my XXXX mortgage to the new first with Amerisave. Now that we are getting close to my rate lock expiring they are dragging their feet for my approval. Being a XXXX as my profession this has been the worst experience that I have ever been through, had this been someone that was n't familiar with the process it would have been even worse. At this point I feel that they are dragging their feet to deny my loan because of all the error 's that I have pointed out to them.
Product: Checking or savings account

I had to restore my XXXX XXXX XXXX XXXX, and I tried to add my Citi Debit Card back to my account. I kept getting the error contact the card issuer. So, I finally called the bank on XX/XX/2024 and had to call about 4-5 times. Issue is still not resolved. 

On the first call, the banking specialist transferred me to the wrong department. She transferred me to the credit card department. The agent in the credit card department immediately said you have called the wrong department. I did not call her department, and I politely let her know that I was transferred and had not called. She tried to get an XXXX XXXX  specialist from the banking side on the line, and then the call got dropped while she transferred. I had to call back. This will make me now talk to the fourth person. 


I called back the man was attentive and tired to work with the specialist himself, then had to transfer me someone in fraud said they cleared everything and got rid of any errors or red flags. 
And setup my card to be able to work with XXXX XXXX. 

I hang up the phone and attempt to add my card to my XXXX XXXX via the Citibank App through manage digital wallets, it fails. Same error contact card issuer. Then I try to scan the card with the XXXX wallet scan card feature to add it this fails, then I try to manually key the card in and then this fails. I make two more call in attempts and get sent to the wrong area with the automated system call chain to the branch locator. 

I call back and finally get a person and then immediately tell them I need a supervisor for my issue she asks the issue to pass on I tell her then she gets me to the supervisor and then the supervisor had some technical issue and I could hear her but could hear her trying to dial or put me on hold Im not sure. 

But what I am sure of is that I worked in banking and financial services for around 20 years and its absolutely ridiculous and disgusting that Citi and so many other huge banks hire off shore support and these people have one a language barrier, two a cultural way of living life barrier because they are not in XXXX, and dont know what our day to day life is like when it comes to living and doing business here. And for the record Im not XXXX I prefer to date men of XXXX specifically XXXX XXXX XXXX XXXX XXXXXXXX. I have a huge affinity for these men period. However I prefer to speak with someone in XXXX that has a strong understanding of how life flows in the financial realm here. 

When I first got my checking account and debit card I had the same problems. Im sick of this ongoing issue and expect a resolution in a timely manner. 


So its an ongoing issue and Citi needs to get it together. And implement a dropped call system where it allows the last agent helping you no matter what department they are in if the call hand off does not complete their inbound calls get paused and the system should redial the last person. It would make a life changing difference and put Citi ahead of the other banks.
Product: Debt collection

I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over 18-months, several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day writt en notice that after th e 180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . All  medical collections m ust be removed immediately by all medical de bt collectors,   and I must be send  a 180-day n otice, so my insurance can work on resolving all claims. REMOVE ALL  MEDICAL COLLECTIONS AS  MANDATED!!!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

On XX/XX/XXXX, NewRez, our mortgage lender sent us an escrow analysis that showed that our homeowner 's insurance/hazard insurance had been paid in XXXX to our insurance provider, XXXX Member 's Insurance. Our insurance policy was set to renew on XX/XX/XXXX and NewRez had the new policy and the correct remit-to address from our insurance carrier, as this was NOT a new policy/new carrier for us. 

On XX/XX/XXXX, we received a letter dated XX/XX/XXXX from NewRez that our hazard insurance policy had expired and they did not have evidence that we had obtained new coverage. The letter indicated that they, NewRez, would be forced to obtain insurance for us. 
On XX/XX/XXXX, I contacted our insurance provider who then contacted NewRez and found that the payment for our policy had been sent to an incorrect address, although NewRez had the correct address because it was included in both the previous ( XXXX ) and upcoming ( XXXX ) policy information. 
During that XX/XX/XXXX conversation, NewRez assured XXXX that they would overnight a check to the correct remit-to address for our hazard insurance renewal period XXXX. 
On XX/XX/XXXX I contacted XXXX to see if the check from NewRez had been received and found that it had NOT yet been received. XXXX again tried to contact NewRez to determine the whereabouts of the check and after several calls from XXXX to NewRez ( during one call XXXX was hung up on and during another they were on hold for more than 35 minutes ) XXXX  was told that the second check for our hazard insurance had also been sent to the incorrect address. 

NewRez ' primary business is debt collection. They branched out into the mortgage industry and purchased our loan in XX/XX/XXXX from DiTech. As soon as the loan was purchased, we were notified that our payment was increasing and back-up of the calculation was provided. Upon examining the calculation, I found that when NewRez calculated our escrow for the XXXX period, they added the cost of our hazard insurance TWICE for the period and the result would be that our escrow would be over-charged for the period XXXX. I called them in XX/XX/XXXX and reviewed the calculation with them and they assured me it was correct ( and that they knew what they were doing ) even though it was clear to me that it was not. On XXXX XXXX they had to issue us a check for {$1200.00}, the over-paid escrow due to the insurance inclusion at twice the rate. Of course, no interest was remitted to us and included in the refund amount. 

I don't think that NewRez belongs in the mortgage industry. I am not confident that our escrowed amounts will be remitted properly for either real estate taxes or for insurance. Their customer service is deplorable. They drag their feet if they owe a consumer or another business any amount. As a XXXX, I expect mortgage companies and other lenders to have a certain level of professionalism which NewRez sorely lacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX with XXXX # XXXX. I sent you a letter regarding some misleading information on my report XX/XX/2021, but to this day XX/XX/2021, I still got no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now. i only want for those inaccurate information my report delete because its affecting me a lot. My information was impacted by Equifax data breach and may got into hands of the wrong person and it's your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized credit inquiries appearing on my credit report. These inquiries were made without my authorization or consent. I request that the following inquiries be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX  XXXX XXXX, MO XXXX XXXX. XXXX OF XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

Recientemente recib una comunicacin, intentando cobrar la supuesta deuda mencionada anteriormente. Su comunicacin inicial conmigo en un intento de cobrar la supuesta deuda fue hace 30 das.
  Tenga en cuenta que por la presente disputo la validez en su totalidad de la supuesta deuda enumerada anteriormente. Adems, solicit verificacin de la supuesta deuda, especficamente, copia de un contrato o acuerdo. Dicho contrato o acuerdo debe ser con el acreedor original y firmado por todas las partes involucradas. Usted est intentando cobrar ilegalmente la supuesta deuda mencionada anteriormente y el dinero que no debo.
Product: Debt collection

National credit system Inc, XXXX  XX/XX/XXXX amount {$10000.00} I have reached out to the company XX/XX/XXXX and disputed XXXXwith XXXX  they closed the dispute without providing accurate documentation proving I was the owner of that debt
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed that there was a charge off Bank of America credit card and other inquiries on my report that I did not authorize. 
I have reached out and spoken with Back of America and they confirmed the charge off was a fraud account. 
I have reached out to all 3 bureaus to have my credit report updated with the accurate information but have had no success. 
This has been going on for almost a year now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit file by the XXXX University XXXX New York XXXX XXXX ( XXXX XXXX XXXX ). 

Despite my diligent efforts to pay my loan on time and in full, XXXX XXXX XXXX has repeatedly reported late payments, which is entirely false. Their system has had frequent glitches, outages, and errors, which I suspect have contributed to these inaccuracies. I have made every effort to ensure payments were processed promptly, even during these technical issues. 

Most egregiously, XXXX XXXX XXXX has falsely reported me as being XXXX to XXXX days late on my payments for XX/XX/year>. This claim is completely inaccurate. As shown on my XXXX credit report ( attached ), I paid on time, yet this discrepancy appears on other credit reports. The inconsistency across the credit bureaus is unacceptable and damaging to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Security breach/privacy information not protected by Capital one ... I am asking the acct ending in XXXX and XXXX my personal capital one cards that are close because I suspected strange activity and capital one did nothing. When I called around the time the government shutdown they refused to do anything about my concerns, so I closed the accounts. Due to the large security breach I am a victim I know my social security number and information was hacked I get calls and i feel they did not protect my personal Information now I have all these strange things happening to my life. I want both personal capital one accts removed acct XXXX and XXXX from all 3 credit bureaus in lieu of me filing a case with a lawyer regarding my personal information being compromised and not protected by Capital one. The amounts of XXXX from acct XXXX plus acct XXXX balance XXXX I would like for both closed account to be remove due to this breach and incorrect balances on my credit file.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me a updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.