23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am wanting to file the strongest complaint possible against PayPal. It has been the worst customer service experience of my life. As an overview, my XXXX phone was hacked and hijacked around noon on XX/XX/year>. Shortly there after the hacker got into my PayPal account and sold some stock and then used the money to make fraudulent transactions. I tried everything possible to alert and stop PayPal. I emailed, called, texted and chatted. I never received a response or any acknowledgement. The hacker / thief had changed the passcode and I had no access. They somehow opened a debit card, XXXX # XXXX. XXXX XXXX cvc XXXX. XXXX. ( I just received it in the mail ). I think the fraudulent transactions generated from that card. Evidently one or some of my attempts to communicate worked as I did receive 2 emails from PayPal denying my protest!! That has been the only communication. How is that possible? It was impossible to speak to anyone or communicate in anyway. I never requested a debit card. I never made any Bitcoin trades and I never made payments to XXXX. I NEED HELP. Thank you! XXXX XXXX
Product: Credit reporting or other personal consumer reports

Each of the accounts with account/tradelines " XXXX XXXX XXXX and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my Federal Judicial District have published a case that demonstrates how alleged XXXX are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, and have done so many times successfully prior to this. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter.
Product: Mortgage

In XXXX of XXXX, Nationstar Mortgage contacted me about requiring my property to have flood insurance based on XXXX updated maps. Knowing this was a mistake, I started into doing the research to get this corrected. In XXXX of XXXX, Nationstar Mortgage informed me that they have obtained flood coverage on my behalf and debited my escrow account. In the fall of XXXX, I obtained all the documentation to submit to XXXX for a Letter of Map Amendment. In XXXX of XXXX I received the Letter of Map Amendment removing my property from the flood plain. In XXXX of XXXX, Nationstar Mortgage released my obligation to have flood insurance. Nationstar refunded a prorated balance of the insurance premium. I should have been refunded the whole premium based on accompanying documents with the Letter of Map Amendment and XXXX Flood Insurance Program " Cancellation and Nullification '' document reason # XXXX. 

My request for full reimbursement of premium is based on XXXX 's document titled " Addition Information Regarding Letters Of Map Amendments '' provided in the XXXX cover letter doc. Paragraph XXXX of this document states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the insurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. ''
Product: Prepaid card

Received a {$50.00} digital AMEX gift card ; website claims the AMEX gift card can be used anywhere AMEX is accepted. XXXX, XXXX, XXXX, XXXX XXXX all declined purchases with the card. Stores will not accept the card unless I had a physical card to swipe, digital online stores won't accept the card period, even if the transaction is less than the card amount. 

Balance online says it has {$50.00} on it ; activated in XX/XX/2023. Unfortunately no matter how many times I attempt to use the card I always receive an error. I've never had this kind of trouble with a card before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Mortgage

Penny mac mortgage is deliberately holding onto an insurance draft check for XXXX + even after 3 weeks ago their own inspector inspected the work, certified it was complete, and sent that info to the lender. I have already incurred the cost of my own repairs and would like my money back. when i call they keep giving me the run around about timelines and such.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report that I can't explain. I routinely check my report, and this time, there were sudden discrepancies. I refreshed my browser to see if it was a temporary issue, but the unauthorized inquiries are still present. XXXX extremely frustrated and urgently request a detailed review of the documents I provided to alleviate my concerns.
Product: Debt collection

Portfolio recovery is trying to collect {$470.00} with me about a fake debt account they put on my credit report. 
Address and contact on their report are fake and I don't have any debt with this company. 
I tried to send them my identity thief report but they don't want.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX  XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX  {$130.00} XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> XXXX of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX status with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Car auto loan called XXXX XXXX XXXX continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXXXXXX XXXX. Paid XXXX XXXX XXXX value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off XXXX XXXX. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Product: Debt collection

On XX/XX/XXXX, I received an email alerting me that my Upgrade loan was turned over to a collection agency called XXXX XXXX XXXX. I did not contact them immediately due to a hectic schedule, which included being a XXXX, going through a XXXX, and working a full-time job. Additionally, I had two illnesses in XXXX that sent me to XXXX XXXX. On XX/XX/XXXX, I was hit head-on by a XXXX XXXX. I am still recovering and under a doctor 's care. I am not making excuses, but I have been a little busy. This morning, I received a call from XXXX XXXX at XXXX XXXX. Initially, he did not identify himself or why he was calling. He began by asking if I was XXXX XXXX XXXX. He then stated by exact birthday including the year. This was alarming. I thought it was a scam or identity theft. I tried cutting him off to determine who he was, but he kept talking over me and mentioning more of my private information. When he finally told me who he was and that I owed {$17000.00}. I told him that was more than I initially borrowed and that I had made regular payments for over a year. I told him I was walking in to work and could not talk but he kept talking. He demanded I pay the full amount today. I told him it was obvious I did not have it. I told him I was at work. I said call me after XXXX XXXX tonight. He said he did not work that late. He said I needed to find time to talk to him today or I would be turned over to an attorney who would garnish my wages. I told him I am too busy today to speak at all. He would not let me off the phone until I agreed to speak with him tomorrow at XXXX XXXX XXXX 
My complaints : ( 1 ) Rude and pushy ( 2 ) Threatening phone call ( 3 ) Refused to call its convenient for me. he coerced and bullied me into accepting a call at an inconvenient time.

( 4 ) Kept talking and refused to hang up after I told him I was at work. he kept talking as I entered the building and people greeted me.

( 5 ) The interest rate they are charging is 5 % higher than the original debt.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires on my credit report Inquiries XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing XXXX with some companies and closed on another, also this account on XXXX of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being 2 years old. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Cash transfers from an unknown CashApp account were attempted using my XXXX. I am notified of every transaction immediately, so I was able to call XXXX within 5 minutes, from XXXX where I was when this happened, to block the transactions. One was in the amount of {$300.00} and the other for {$600.00}. 

I checked my personal account and did not see these transactions, but somehow the XXXX linked to my account was used by another CashApp account holder. When I called, CashApp walked me through securing my account but was not able to confirm being able to remove my card from other accounts and closing those accounts.
Product: Credit reporting or other personal consumer reports

Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : XXXX XXXX XXXX : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} JEFFERSON CAPITAL SYSTEMS ACCT : XXXX XX/XX/XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter to Experian and XXXX  dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX  charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX nor did I grant them permission to utilize my name or signature. They violated a cease and desist order as required by law. Please see XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ),. I would like to settle for {$1000.00}. For this direct violation of FCRA laws, and this account to be deleted from my credit report.
Product: Debt collection

On XX/XX/XXXX Received letter of collections from XXXX  regarding XXXX Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take XXXX. 

After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX County Superior Court, posted XX/XX/XXXX Case # XXXX
Product: Debt collection

I received a letter from this company PHH Mortgage stating we owe 32,000 thousand dollar and if you disagree send us information. In which I did and sent a return receipt threw USPS. No they are trying to foreclose on property that just was discharged threw bankruptcy. Have people coming to my house on numerous occasions. And they seem to be with company I was in bankruptcy with and discharged. RMS was paid off in bankruptcy.
Product: Debt collection

I have an account that has been bought from a credit card company and to my understanding, I am no longer responsible for that debt. I do have email correspondence that says that my account has been bought from the original creditor and I would like for it to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to place freeze on report and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss