23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have been facing with Bank of America regarding several transactions from three years ago. On XX/XX/2021, i discovered that Bank of America deposited over {$10000.00} into my account, which I believed to be legitimate funds. 

Upon seeing the deposit around XXXX that XXXX, I usedthe funds to pay off debts and expenses, assuming it was reimbursement for non-sufficient fund ( NSF ) fees previously incurred. However, around XXXX the same day, I noticed that Bank of America retracted all of the deposited funds, leaving my account with a negative balance of roughly - {$15000.00}. 

The initial deposits consisted of multiple transactions labeled as returned NSF fees totaling {$35.00} for each of those deposits. I assumed that they were being reimbursed for the amount I had been over charge. However, Bank of America has since denied any knowledge of depositing such an amount into my account. Despite my attempts to clarify the situation, they have been uncooperative and even accusatory, suggesting that I purposely overcharged my account the {$15000.00}. 

I am deeply troubled by this situation, as I believed the funds were rightfully mine, and their refusal to acknowledge the deposits has put me in a difficult financial position. I have been unable to obtain any auto loans, personal loans, credit cards, or anything of that nature. 

Thank you for your attention to this matter. I am hopeful for a swift resolution.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018, I initiated a wire transfer of {$4500.00} from XXXX XXXX XXXX to Coinbase Inc. ( XXXX XXXX XXXX ). BoA says this transfer was successful on XX/XX/XXXX. Coinbase Inc. has not credited the money to my account. After an initial, automated response to my inquiry I have received no response concerning my money.
Product: Checking or savings account

Suntrust closed my account immediatly after i deposited a check n XX/XX/2019. I have been repeatedly lied to by them, first they told me it was closed then they told me it wasn't, then they told me it was under investigation, then they told me i would receive my money in 15 business days, then they told me it was frozen. The check i deposited was from my sister who gave it to me to pay my bills, i havnt been able to pay my bills, my phone is disconnected, i cant buy food, and it is XX/XX/XXXX so Suntrust bank has kept my money for over 1 month and they will not give me details. I havnt been sued so they have no reason to be doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

15 U.S.C 1681 section A. States I have a 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 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines LVNV Funding : Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax annual credit report & myequifax have been down, unable to access my personal credit file for 3 days. I am sure equifax has sold thousands of credit reports for mortgages and auto loans the past 3 days, but I can not access my credit? 

plus the cfpb allows equifax to continue to not address and settle the 2017 data breach? 
how long will this be legally allowed to continue? its been 5 years since my data was stolen and still nothing has been done about it? 

and they don't even publish a phone number to call?
Product: Credit reporting, credit repair services, or other personal consumer reports

Both customer reps from the 3 credit bureaus Equifax, XXXX and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Product: Student loan

I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.
Product: Money transfer, virtual currency, or money service

This is regarding transaction ids : XXXX and XXXX I paid for these transactions using paypal key for convenience which is backed by my credit card. 

For some reason paypal key authorized these transactions via an echeck despite me selecting a credit card banking my key. I also had multiple other cards in my account all active and willing to complete the charge if needed. 

Paypal to reduce its fees decided to debit my bank account instead, it debited this amount twice and it led to two NSF fees of {$20.00} each. 

I tried to resolve the issue via the PayPal help feature on the side and the agent after telling me they will resolve it asked me to call. After I asked for revocation of authorization to debit my bank and they closed the chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted my social security number and date of birth on my credit file. It causes that bank can not find any information through my social security number. Even though I provided them my copy of social security number and my passport, they do n't help me to solve it. I strongly doubt they mix my credit report with others because there are two accounts does not belong to me on the credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XX/XX/XXXX ) Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX
Product: Debt collection

I sent a letter on XX/XX/2022 to remove collection account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

My wife a I were in the process of selling our current home. Therefore I contacted a local realtor to potentially rent a XXXX bedroom XXXX  after our house sold. I completed an application and I was approved. I gave the company a {$1300.00} deposit. Someone was living in the property at the time. The property was suppose to be available on XX/XX/XXXX. However the potential buyer of my current home backed out. I never took possession of the property. I never received a key to the properly. I never turned on utilities to the property. I never saw the inside of the property after their current tenant moved out. I contacted the realtor immediately prior to the current tenant moving out. I explained my situation and ask for my deposit back. The company refused to give my deposit back. They then rented the unit to another tenant just days later within the same month of XX/XX/XXXX. Unfortunately In XX/XX/XXXX I received a notice from a collection agency threatening to put a collection on my credit report in the amount of {$2600.00}. The original creditor never contacted me or provide any amount owed over the course of XXXX months. I never received any notice from the original creditor. I have no blemishes on my credit. This threat of reporting an inappropriate debt on my credit could possibly cost me tens of thousands of dollars, missed opportunities and a lot of time and distress. I would like these attempts to collect an erroneous debt to stop. I also would like to prevent any inaccurate debt from being reported on my credit. If the original creditor has any bases for this debt I would like an accurate detailed breakdown. 
Thank you for your time and consideration. Have a blessed day
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that XXXX had purged my account from XXXX 's data base which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and Carrington said they did not asked to haver their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Product: Credit reporting or other personal consumer reports

I have sent online disputes to all these companies and they continue to report inaccurate information. 

XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX & CO Account XXXX MIDLAND CREDIT MANAGEM Account XXXX XXXX XXXX  Account XXXX XXXX & XXXX Account XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized.This is a well established Identity theft case. Please have Transunion remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX XXXX XXXX. XXXX and XXXX already removed the fraudulent account a year ago but Transunion failed to do so and did not even respond to my dispute inquiry. Negligence from Transunion is hurting my life and bringing hardship to it, two examples of it recently are that Transunions incorrect reporting caused me to be denied increased credit limit twice with two of my credit cards, Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act, and remove/block this fraudulent information from my credit file. I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow ), and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. Sincerely yours, XXXX XXXX XXXX
Product: Money transfers

Paypal does not disclose that it charges fees on requested payments ( XXXX ). In this case, I requested {$500.00} from my mom through paypal assuming that the requested transfer would be free in the same way as if I requested payment through Venmo, another Paypal owned service. Instead, when my mom paid me the {$500.00}, I only received {$480.00} because Paypal charged a {$14.00} fee. That fee was never disclosed to me or my mother ahead of the transfer. Paypal claims that because the transaction was categorized as " Goods '' the fee can not be refunded but the way Paypal setup the request, there was never an option to change it to the " Send money to friends or family '' which normally results in a free transfer. Nowhere in the process was the fact that a fee would be charged disclosed.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX, as 2016 the companies that I mention above purchased the debt in 2016 and resold to the debt prior to the 7 year mark. And did not send me anything in the mail stating that the debt was sold I had to find out by looking at all three credit reports so when they purchased the debt they came up with a new date to keep it longer on my credit report which is not fair. Per credit bureaus are required to automatically remove most negative items from your credit report after XXXX years, or XXXX years plus 180 days for a charge-off. 

That's not being done and per the law it states The Fair Debt Collection Practices Act ( FDCPA ) requires debt XXXX to send a written notice to consumers within XXXX days of their first contact : The amount of the debt The name of the creditor How to dispute the debt How to contact the collector in writing A statement that the collector will verify the debt if you dispute it in writing within 30 days A statement that the collector will provide the name and address of the original creditor if requested A warning that any information obtained will be used to collect the debt None of that was done for me so what can be done in this matter I need help for the disputing with all three credit report companies is not doing their jobs at all
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple student loans on my credit report that do not belong to me I have not opened these I have not been a studernt for many years and I have not used any of these I need them off my credit report since they belkong to someone else please help. 

Account Name : XXXX  Account Number : XXXX XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX XXXX Reason : Unverified account
Product: Vehicle loan or lease

I spoke with Santander, who informed me that they had no record of payments made by me. The only transaction they recorded was XXXX XXXX repurchasing the contract. Despite this, my bank statements clearly show monthly payments to Santander. They also informed me that XXXX should have refunded all payments, the {$5000.00} trade-in value from my van, and the {$1000.00} down payment once the loan was dropped. Instead, Santander forwarded our payments to XXXX without our knowledge or consent. This only came to light after Santander notified me of being six months behind on payments. Furthermore, the representative I spoke with could not explain why the loan remained open for two years when it should have been closed immediately after they did not receive the title. 

I made over {$7000.00} in payments, I traded in a vehicle for XXXX and I put XXXX down towards the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX XXXX. The XXXX who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX XXXX from XX/XX/XXXXand maintained until XX/XX/XXXX as well as a XXXX XXXX   license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX-present. Prior to that XXXX XXXX XXXX was a student with a work study job at Virginia XXXX University.