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

An email was received that appeared to be from Paypal. The email came from the official paypal email address of " XXXX ''. The html formatting was exactly as if from paypal, everything looks official. The date of the email was XX/XX/year>2024. 
The email in the visible To : section was unknown. It is possible this exact email was Bcc 'd to many people. 

The contents of the email stated : " Here 's your invoice '' " Due on reciept '' " Amount requested $ XXXXUSD '' " Invoice number XXXX '' A phone number was provided in the email asking recipient to call if there were any issues. The number is XXXX ( XXXX ) XXXX. 

No numbers were called in this incident, nor was the email interacted other than opening it and reading it. 

Thank you for your attention to this matter.
Product: Mortgage

7 phone calls, an e-mail with a second request, request to speak to a supervisor with no results. Fighting to get my Escrow Refund for almost four ( 4 ) months.
Product: Debt collection

I have a rental property, the boiler stopped working, XX/XX/2017.I called my oil company XXXX XXXX to check it. The oil company XXXX XXXX did not notice me at all. I was told they replaced a lot of parts for boiler. Then they billed me over {$900.00}. Because I have protection plan for boiler, so they gave me a 20 % discount, but they still billed me over {$700.00}. After what they claimed they replaced a lot of parts, soon the boiler stopped working again, I hired a plumber to repair it later for twice. It costed me over {$500.00}. I made a complaint to state of Connecticut, department of consumer protection. The result is they would like to take {$100.00} off the bill. I did not accept the offer. XXXX XXXX XXXX  also lied to the Department of consumer protection. Under Connecticut law, I am not obligated to pay that bill, because I did not authorize the work and they didnt give me a written estimate of the work required. And then I received a letter from A.R.M. Solutions, INC. to collect money.
Product: Checking or savings account

I have checking account with PNC. Whenever I call PNC - there is a very annoying and bugging bot who doesn't go away or let the customer talk to human being. Finally I was able to chat with PNC and thus asked them to close my account once my account balance reaches XXXX. But PNC want me to contact them again for the same.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was contacted via a phone call saying my XXXX XXXX bill was past due and that I needed to make a payment within 45 minutes because there was a crew on the way to shut it off. So, the guy proceeded to tell me I needed to download my banks mobile app and use XXXX from there. I did as I was asked, and made an initial payment of XXXX. He then said I did something wrong and to try again with a different amount so it didn't get flagged by my bank. So I made a payment of XXXX. This time he said I needed to put the " payment ID '' in just as he said it because it's case sensitive. So, i once again made a payment this time for XXXX. After that he said in order to process refunds on the 2 payments that weren't correct I needed to do the same process, so I did. In the amounts of XXXX and XXXX. Each time he gave me some " verification code '' thing to put in the notes. At no point was I asked for a pin, or digital signature from my bank. As soon as I realized I was scammed, which was about a half hour, I called my bank to stop payment on the charges, but was told they couldn't do that. There was no way to stop the charges. Then I was told since it was a third party app, and that I " authorized '' the payments that I wouldn't be covered by fraud protection. The " investigation '', which lasted less than a day before I was mailed a denial on dispute, was not an investigation at all. 

I spent some time reading the Electronic Funds Transfer Act and what happened to me is against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XX/XX/2021 and it was discharged XX/XX/2021. MoneyLion Inc was included in the bankruptcy. They keep reporting the discharged account as a charge-off with a balance due of {$380.00} and the account updates as a charge off every month. I have disputed through multiple credit bureaus and MoneyLion Inc continues to verify this inaccurate information and it has remained on my credit report, hurting my report and score. I have received denials from credit card and loan companies stating that my last delinquency is too recent. What they are doing is illegal and a violation of my bankruptcy automatic stay as they continued reporting a charge off and balance after receiving notification of the bankruptcy filing and it is a violation of my bankruptcy discharge as I no longer owe the debt. The last time I disputed the information, I sent a copy of my bankruptcy petition showing the creditor was included in my bankruptcy and they still refused to remove the information.
Product: Credit reporting or other personal consumer reports

This is my first 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband had retired, right after he retired, within two weeks I was let go from my job for fribious reasons. This is during at time the company I was working for was under major Law Suite for firing XXXX ( XXXX ). They have introuded my computer, my cell phones, my personal bank account. They contact anyone that is attach to my personal financial affairs. My Mortatage company and the company XXXX plan I have. 
I am writing this early. I may not be able to do this later please call me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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: Credit reporting

See Experian Complaint # XXXX / Filed XXXX/XXXX/XXXX. Experian responded on Friday, XXXX XXXX, XXXX claiming that the " address I supplied does NOT match any previous address on file. However, the CFPB is not letting me make a follow-up reponse ( AS ALLOWED ) on Monday, XXXX XXXX, XXXX. Thus, I am having to file a new complaint in order to dispute Experian 's XXXX XXXX, XXXX response to my " original '' file date of XXXX XXXX. XXXX, as follows : There is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( XXXX ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. Importantly, Experian is claiming that my address does not match the address on file. I can not help it if their computers do not have my current address on file, especially since I have not had any activity ( applied for credit, etc. ) within the last 7 1/2 years. They have my current address because I have since received their XXXX XXXX, XXXX letter requesting " proof of address '' at the SAME written address that I provided in my " original '' credit report dispute. See attachment filed with this response. 
Further, I provided a XXXX ( XXXX ) page detail that was highly specific with account information that overwhelmingly gave Experian a " high degree of confidence. '' Not only did I list the " original '' creditor name and ALL account numbers but I also listed ALL the collection agencies ( assigned collection to the " original '' account ) names and their account numbers for the XXXX ( XXXX ) accounts that I was disputing. All these account numbers agree exactly to my credit report. 
Again, " proof of identity '' is the only requirement to process my credit report dispute. Experian is merely forcing me to provide " proof of address '' for their benefit. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter 7 Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, Experian, XXXX and XXXX and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, XXXX, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Product: Checking or savings account

Bank of America clearly used my account for someone else they refuse to give me proof of authorization one of there employees stole over XXXX out of my account and they are trying to cover it up they have clearly violated they ach act, fair credit act, fcb act and several other act state and federal they have clearly violated there own Agreement for deposits accounts occ just came out with there lack of security they refuse to return my money and I want to know why they cfpb is allowing this
Product: Credit card or prepaid card

Hello, I have applied for Bank of America XXXX miles credit card, as it had an attractive XXXX miles promotion. I have spent the required amount ( {$2000.00} ) as soon as I have received the card yet did not receive the miles promised. 
I have contacted customer service on XX/XX/2021 and was told that I need to wait till the miles " post '' on my account. I informed the representative that nowhere that it said on the offer that one needs to wait to get the miles after {$2000.00} is spent, so I was counting on the miles to buy my ticket for my birthday trip. The representative ( XXXX ( XXXX ) out of XXXX ) said there was nothing she can do and I needed to wait. I explained that I can not wait as I was counting on the miles to book my travel... She refused to transfer me or further look into the issue. 
I want to say that it is a shame and malpractice on XXXX XXXX and BofA end to lure people in with the credit card promotion and not to disclose that the promotion can not be used until much later... I booked my hotel already ( with the new card ) and was counting to book my flight this week with the earned XXXX  miles that had been promised in the offer. I would have not gotten the card had the offer been properly disclosed. I am a XXXX XXXX XXXX and work full time, so I really needed those miles to help book the travel and was so excited to use them for my birthday trip ... Now I can not do that, as Alaska did not disclose the promotion and covered up the important pieces of it. In fact, I am not even sure what to do now, as the hotel in not refundable and I don't know where to look for the funds for the trip that the Alaska miles were supposed to cover. 
This situation is not only disappointing, it is a true customer deceit. And the fact that the representative had no desire to help or even look into helping is even worse. 
I believe that in times especially now with what is going on in the world, it is credit card companies ' responsibility to advertise mindfully and not to confuse the public with the offers like that.
Product: Payday loan, title loan, or personal loan

Advance America was a payday loan company that went out of business. There wasnt a credit check done to get approved for the loan, but they changed ownership and now are reporting it on my credit without giving me a chance to pay the loan back after they closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for XXXX. I believe they deliberately make the freeze very difficult for consumer to use.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The items listed below, include Credit cards accounts, inquiries and late fees, were reported without my authorization and were opened and used fraudulently in my name. 
To the credit Bureau, Equifax, Experian, and Transition. 

Dispute of inaccurate Credit cards, Inquiries and late charges the dates in question ranged from XXXX thru XXXX XXXX XXXX Credit cards... XXXX. These cards were used in my name. 

XXXX XXXX XXXX Credit card # XXXX XXXX XXXX. Credit card # XXXX I request that these fraudulent items be removed from my credit file. Please remove these accounts immediately.
Product: Checking or savings account

Axos Bank ( operating as XXXX XXXX ) - XXXX  # XXXX - savings account # XXXX A {$10000.00} transfer to my XXXX XXXX savings account from Axos Bank was initiated on XX/XX/XXXX the amount was removed from my Axos account and showed up as pending in my XXXX XXXX account. The transaction was returned by XXXX XXXX on XX/XX/XXXX after getting XXXXNO ACCT/UNABLE TO LOCATE back from Axos on the transaction XXXX The {$10000.00} was not returned to my XXXX account and has been missing since then. 

I alerted them and opened a case XX/XX/XXXX ( XXXX ). They repeatedly insisted they never sent an XXXX and that they completed the transfer and closed the case. 

XXXX XXXX had their team review the events and concluded that XXXX did issue an XXXX ( account not found ) and they did send the XXXX back their statement included this : The XXXX XXXX has reviewed the return and would like to provide the Trace XXXX, which can be used by your external bank to inquire the location of the funds. 

I provided Axos with this information and they finally opened an investigation - case XXXX was opened on XX/XX/XXXX To look into it. Ive been repeatedly told the team will contact me when they are done investigating. Its now XX/XX/XXXX and still no contact from the team my repeated inquires result in the usual please be patient, sir well contact you just as soon as we finish. Theyve now stopped responding entirely and simply close my inquires with no comment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitaol One XXXX card is not being reported for XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX. They bought this originally from LVNV Funding LLC. This company continues to sell this account to these different companies and they all continue to harass me everyday. The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). I have also reached out to this creditor to inform them to cease all communication with me. 15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, CA To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Social Security Number:XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Trans Union for documents that they have on file that they use to verify the debt. They refuse to send the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX  XXXX Balance : {$420.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXXXXXX Balance : {$2.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX