23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX EXPERIAN BUSINESS CRED Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized hard inquiry from my credit report.
Product: Credit card

Paid account balance of XXXX on or about XX/XX/XXXX. {$8700.00}. 
On or about XX/XX/XXXX charged {$110.00} in interest. 
Almost two weeks after balance was XXXX. 
If an account is paid in full how can I have any further charges???
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I recently received an email that said my PayPal account had been limited/ that I could no longer do business with PayPal. This is preventing me from receiving my own funds, and is limiting me from doing business when I believe I have done nothing wrong. 

This happened after I tested a new service that integrates with PayPal, called XXXX ( I used a {$1.00} test amount ). The service was successful, but I quickly received notification that my account had been limited. I do not understand what I did to cause the ban which negatively affects my business. Can you please help me resolve the limitation? 

I tried to contact PayPal, but their chat service says to try back during working hours .... yet I am trying to contact them during their stated working hours. I have sent an email with no response. I have tried to contact them via phone but nobody appears to be available.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Kohl 's regarding an online order that I placed on XX/XX/year>. I ordered a pair of men slacks and a men formal shirt with a total cost of XXXX. I did not receive either of the items and made Kohl 's aware on 2 separate occasions and was provided reference number XXXX on XX/XX/XXXX and reference number XXXX on XX/XX/XXXX in which i was told my funds should be refunded by XX/XX/year>. Despite numerous attempts to contact Kohl 's today via the online center and was hung up on, on 4 different calls, XXXX in customer service, customer ID # XXXX, had a manager XXXX, ID # XXXX to call me while we were on the line. I provided her with both reference numbers and she proceed to say to me that it will be an additional 14 days before my refund is issued after the original request on XX/XX/XXXX. I also reached out to my local Kohls  store located in XXXX, XXXX and requested to speak with the store manager, who 1, refused to identify herself initially when taking the call and if already provided my name to the representative who answered the phone and transferred the call, and 2 she literally laughed at my request in asking who she was so that i could probably address her. I have been unable to receive my order or a refund for my purchase, and this entire experience now has me emotionally and mentally drained and I feel robbed, mentally abused, lied too and embarrassed by a store manager all in trying to get them to refund me for an order I never received from them. I've also since this request, have physically gone into their store and purchased the items I didn't receive and so extra merchandise. 
I have attached copies of my order confirmation, reference numbers and a screenshot of my multiple attempts of my trying to get this resloved directly with the company, but they have been uncooperative to my inquiries. 
I believe that kohl 's refusal to refund my money for an unfulfilled order constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to hold Kohl 's accountable and have them to compensate me for me valuable time and efforts in trying to get this resolved and for my mental state of mind in having to have to go this route to try and resolve it. I do not want any overdrafts, late reporting hitting my credit while we are trying to resolve this because I currently have no intentions of making any payments until my account has been adjusted and I've been compensated for my time. I make multiple purchases with Kohl 's and I pay my account in a timely manner, never defaulting or carrying a balance and the way I've been handled and treated as a loyal customer has been degrading, embarrassing and unethical in every way imaginable. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX Here 's the order number because the system wouldn't allow me to upload the receipt : order # XXXX
Product: Mortgage

The property was Listed for short sale. A contract for purchase and sale was executed between buyer and seller with approval of a Listing Agent, Buyer 's Agent, their brokers, and the homeowner 's foreclosure defense attorney. Authorization documents, along with the initial offer package was submitted. At that time a workout package was requested, which was to include a demand for any hardship documentation from the homeowner. However, a senior level mitigator responded back rejecting the homeowner 's foreclosure defense attorney and the buyer 's agent Authorization To Release documents after all parties designated those two individuals to work together on behalf of the buyer and seller, siting company policy, not because the documents were incomplete or filled out incorrectly. The mitigator stated they would only work with the listing agent. That was the only reason given. That mitigator also copied the listing agent on the communication, which violated the Cease & Desist, Homeowner Do Not Contact, and Realtor Do Not Contact documents submitted by the attorney. We can find nothing from the XXXX XXXX XXXX, XXXX and in legal statute that gives the lenders servicer the right to make this demand. They however have a legal responsibility to try and negotiate a default workout resolution with the parties, and the parties have a legal right to appoint their chosen legal representatives. A servicer should not have the right to make that demand.
Product: Debt collection

I am unaware of this debt, I did not have have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it. 
look my credit report I attached, they are only reporting to 1 bureau ( XXXX ) and they are updating and violating federal law .they also don't have rights to collect debt in my state Maryland XXXX the statute of limitations in 3 years for collecting debt.they do not have rights to collect any debt, I never signed a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit report listed a former address for me and I have never lived at this address. The address came up many times as an option for identity verification and I was denied access to online resources due to the inaccurate information. I contacted Equifax in XX/XX/2017requesting the address be removed from my credit report. They agreed to do so. However, my most recent credit report from Equifax still contains the address they agreed to remove. I did not recontact Equifax about this issue as it seems their follow through is not reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$0.00}.
Product: Credit card

Chase Credit Card Company altered my phone number without my consent, prompting me to call them. I believe this was a tactic to encourage me to contact them so they can tell me I owe them i know i have a bill they dont have to use sneaky things like that i lost my and couldnt pay i plan on paying but for them to change my account info like that is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX Balance {$25.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing in regards to the multiple overdraft fees that incurred on my account with Navy Federal Credit Union. Despite having sufficient funds when the transactions were authorized, I was charged fees due to the lagged posting of charges and credit. This compliant that I am filing aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

TRANSWORLD SYSTEM INC/ added a debt collection of {$78.00} to my three credit bureaus. I have no knowledge of this debt or this company.
Product: Credit reporting or other personal consumer reports

I Disputed the payment accuracy of this conns account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all XXXX  days late and XXXX marked as XXXX days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with XXXX year payment history not possible next thing on experian XXXX and XXXX of XXXX are marked as XXXX days late but XXXX XXXX XXXX are current where XXXX is marked as late which one is it? XXXX again reporting different statues from the other XXXX XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other XXXX I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information which is aviolation of FCA after deleting this account please provide me with an updated credit report reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt know that my Credit report didnt suppose to be open! I have so much on my report that is fraudulent please help me Im trying to buy a home start my business and so much more I dont need to be suffering any longer for something I didnt do not what XXXX  has made a horrible mistake and let my information get leaked please help me like ASAP I think this is long over due for a lawsuit because I cant take this anymore
Product: Credit reporting or other personal consumer reports

I provided a police report and ID theft affidavit to all credit reporting bureaus. This agency is the only agency that failed to address the problem My Identity was stolen and the accounts below were open without my authorization and are still reported as accurate on my credit report. I have taken legal action and will seek damages as I have been terminated by my employer as a professionally licensed medical professional for not complying with background clearance. The accounts & inquiries below are not mines nor have I had any access to them. 



XXXXXX/XX/XXXX
Product: Prepaid card

PayPal has been letting fraud happen on my account for months now. I have called several times about this problem. I had over XXXX  in stolen funds from my account. They have yet to return my money. My device was lost and I told them about it and no fix. They lied on multiple occasions about filing my claims. This happened since XX/XX/XXXX. PayPal has no real interest in helping you keep you account secure. They will let fraud persist and then say they don't see how the fraud. This is ridiculous. My account is compromised and they refuse to honor the return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I attempted to open up a credit account with a bank and was denied because of a couple of fraudulent accounts that were created with information of mines that compromised in early 2020, I've reached out numerous time to experian in hopes to have these issues resolved but nothing has yet to come.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$21000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the XXXX XXXX XXXX Bank of America location to use the atm to deposit some money. I was approached by 2 men and I am only XXXX and around XXXX XXXX  so I was frightened. THey told me to deposit a check and withdraw {$880.00} at first I said no a couple times and asked others around me to help me but they kept pressuring me and insisting i do what they tell me to do and one guy was standing by the door. I was very scared and eventually because of my silence the guy steps to my machine and inserts his check and puts in the amount he needs to withdraw and tells me to put in my PIN number and because I was scared I obeyed. They take the money and run out. I immediately go inside to the bank Vice President and tell them what happened and they told me they would file a claim and call the police and catch these guys. They also promised me that the bank will give me my money back. I call back 3 weeks later to check on my claim to discover that they did not call the police that day at all. A week later my claim comes back rejected and I call the bank who then reopens the claim. The next day I receive a phone call saying my claim was rejected because they felt like I couldve canceled the transaction and left. I dont know how to cancel it and like I said one guy wasnt blocking the door. This kind of situation shouldnt even be happening and its the banks job to prevent crime from happening at the bank to keep our money safe. As you can clearly see my money was not safe that day. Also the bank shouldnt be saying what I couldve done when they were not in my situation and the fact is I was robbed at their bank location and the bank shouldnt have let it happen in the first place. The bank also shouldnt have employees who tell me that the bank will return my money and lie saying they called the police I also tried tried to file a police report and they told me that they dont think they will be able to catch the guys because its been a long time. The reason why the police wont even catch these guys is because the staff lied to me if they didnt lie and call the police they probably wouldve caught the guys. Also the bank should be at the lookout for suspicious activity. Wasnt it suspicious 2 guys were standing around your atm approaching a girl trying to use a machine. Before I got robbed my account was at {$400.00} how can you withdraw a larger sum of money {$880.00} when you havent even accepted the check yet. My account is now at a negative balance and they expect me to pay them. Its partially their fault my money is gone and they should accept responsibility.
Product: Mortgage

My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.
Product: Credit card or prepaid card

I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.