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

Fee Invoice Invoice no. : XXXX Dear Customer, From : XXXX XXXX XXXX MONEY RECEIPT - Regarding Your Payment Kindly Check Your Order Bill If You Want Refund Call Us @ Order Number XXXX XXXX ________________________________________________________ Thank you for using PayPal. 

Your Account has been charged with USD XXXX and will be going to deduct from your account with in 24 hours. If you did not recognize this transaction or want to cancel these charges. 
Please contact Toll Free Customer Support Number : XXXX ( XXXX ) XXXX Order Number : XXXX Invoice Amount : USD XXXX Invoice Date : XXXX XXXX Due Date : XXXX XXXX  Payment Mode : Online Contact Our Customer Support team XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

You guys remove then add accounts bck after they are verified as inaccurate by you. Such as XXXX. Not only do I have the same old XXXX now I have XXXX and no one can EVER pull my report they say they can't identity me and I send in ID ssc and mail to you to update things. I refuse to do all of this again this a MONTHLY ISSUE fix all of these errors immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  on XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX TD bank USA on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; AN # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX. I immediately asked for a dispute because as soon as I got the order confirmation email, it was a clear scam. The customer service email ( XXXX ) is linked to all these other scam sites, the same exact email template shows up on XXXX images from different shops, I got absolutely no product in the mail, no response from the customer service when I made an attempt to contact them, and the site said I would be charged {$73.00} but I was actually charged {$81.00}. The site I purchased from, the store that sent the confirmation email, and the merchant shown on my card statement are all different names. 

I was awarded {$8.00} from my dispute with Apple Card. I originally thought this was an employee error and that they just accidentally left out the XXXX in {$81.00}. I made many attempts with Apple Card support to get an explanation and was given different answers every time. No one knew what I was talking about when I explained what the previous person had told me, nothing I was told would be done was ever actually done, and nothing was documented in my account. I waited XXXX months to get a call this past Monday ( XX/XX/XXXX ) and I was told I received {$8.00} because I only disputed in the amount of {$8.00}. Apparently the first representative thought I just wanted the difference between {$73.00} and {$81.00}, not the full amount. I was told I could reassert the dispute in the correct amount, and I emailed evidence showing this merchant was a scammer. 

Today ( XX/XX/XXXX ) I got a call from a XXXX and was told something completely different. She stated the item I purchased was only {$8.00} and that I was charged {$73.00} because that is how much it cost the bank to do the currency conversion from yuan to dollars. She states that the money didnt go to the merchant, it went to whoever does the conversion and she confirmed that I just paid {$73.00} for nothing. She could not tell me who got {$73.00} from me. 

I have proof that {$73.00} was the amount the scammer charged and had nothing to do with a conversion rate. My credit card statement clearly shows {$81.00} was originally paid to the merchant. I was refunded {$8.00} by Apple Card, and now the statement shows I still paid the merchant {$73.00}. The merchant site is still up showing the price of the item is {$73.00} USD, not yuan. My confirmation email showed I transferred {$73.00} USD, not yuan. 

I also checked the exchange rate of the XXXX yuan; according to the merchants confirmation email the exchange rate was {$8.00} which would be why it went from {$73.00} to {$81.00}. I did the research, and that's not right either. XXXX XXXX is {$0.00} in USD, so if I was charged XXXX yuan like the Apple card specialist tried to claim, it should've been {$11.00} USD, not {$8.00} USD. None of the math adds up to anything I am being told.
Product: Credit reporting or other personal consumer reports

There are several unauthorized hard inquiries on my credit report
Product: Payday loan, title loan, or personal loan

I contacted the loan places Im on XXXX XXXX there saying I have to pay {$500.00} a month that not right it from moneymart
Product: Mortgage

This is a follow up complaint to my prior complaint XXXX XXXX filed in XXXX. 

In XXXX, for the second time, TD Bank ( mortgagee ) has placed duplicate insurance on my property AFTER I provided TD Bank with written evidence of property insurance. In XXXX ( similar to XXXX ), TD Bank requested proof of hazard insurance and in each case I sent TD bank proof of hazard insurance on my property. In XXXX ( similar to XXXX ) TD Bank ignored my written response which contained evidence of property insurance so that TD Bank could put duplicate insurance on my property. In XXXX ( similar to XXXX ) TD Bank put insurance with an exorbitantly high premium on my property AFTER I sent written evidence of property insurance with delivery confirmation. Without my consent, TD Bank created an escrow account, debited the escrow account for the insurance premium and changed my mortgage payment. 

I have already emailed and mailed copies of documents concerning my complaint directly to TD Bank NA. I requested that TD Bank respond and correct their error ; however, TD Bank has not taken any steps to correct their error. This is the second complain against TD Bank for the exact same problem.
Product: Credit reporting or other personal consumer reports

Under the FCRA, you have the right to dispute errors, correct inaccuracies, and protect your credit from unfair practices. 

There was a breach in data
Product: Mortgage

My original Mortgage was 2 countrywide XXXX   mortgages. a First and a Heloc second mortgage. The loans were taken over by Bank of America. 

I have the Lien Release for the First Mortgage loan # XXXX I have been struggling for years to get the Lien Release for the Second Mortgage, a Helco loan # XXXX. This mortgage is lost. BOA can't find it. 

Bank of America does not respond to my fax and telephone requests to Send a Lien Release even though I have a letter from Bank of America stating it was paid off in XX/XX/XXXX. 
I have faxed them the documents, and they do not respond. Bank of America tells me there is no loan # XXXX. 

I am nearing the end of my current refi and I must have this Lien Release to have my refi go through. Interest rates are rising as I try to complete it and close on XX/XX/XXXX. 

Bank of America is not responding to me at all! I can not get title insurance on my property because they can not find my loan number. 

I need a Lien Release so my refi can be completed by XX/XX/XXXX. 

Bank of America Lien Release dept. XXXX I spoke to XXXX once. She asked for so I faxed her the documents 3 times to Fax XXXX. I got 3 confirmations on my end that they went through. 
XXXX said her phone extension is XXXX ext XXXX. I have been told by others they do not have extension numbers! XXXX or all others at Bank of America to not get back to me at all!!! 

Please, I need help! This has been going on for Years with this lost Helco mortgage and I do have the letter from Bank of America saying it is paid off. This is all I have.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my friend sent me {$260.00} so I could pay off a loan and the money never got to me
Product: Credit card or prepaid card

The company name is Capital One : I inquired on XX/XX/XXXX as to the reason my account was overdrawn, I saw a membership fee of {$39.00} & a interest accessment of {$9.00}. This caused my account to be over drawn by {$22.00}, I called the office on the date above and the representative informed me that because they valued me as a customer that the interest fees and membership fee would be reversed by close of business on Monday the XX/XX/XXXX, I waited until Tuesday the XX/XX/XXXX and noticed that the charges were still there. I called in and spoke to XXXX XXXX ID # XXXX, she stated that she could not reverse charges even thought I was told that they would be, I requested to speak with a supervisor, I got XXXX XXXX ID # XXXX who identified herself as a supervisor. She stated that she would resolve the issue and said she was sorry for the inconvenience, after waiting on the phone for over 45minutes, she stated that their was nothing for her to reverse and she was the final word on the matter. I requested that the recording on the XX/XX/XXXX be reviewed, she said she would do it for training purposes only. 
I told XXXX XXXX I was filing a complaint, I asked to speak to someone higher up in here office, she stated that she was the final word on the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Mortgage

I made payments that was not recorded even though I sent bank statements with the payment paid. I received a default letter I sent checks to Fay Servicing to cover the default the checks was not cashed. I sent more than the default amount. the sent a default letter with excessive fees. Something need to be done about this company
Product: Credit card or prepaid card

I am attempting to cancel a credit card. I called the customer service line provided on the back of the credit card on 3 separate occasions on XX/XX/19 and XX/XX/19. First, it's pretty difficult to actually get to a customer service representative ( CSR ) and when I finally do and inform the CSR I wish to cancel the card, the CSR 'checks ' my account and then informs me another department has to process the cancellation and provides me a number to call. The number provided is the same number I dialed to get to the CSR I'm talking to. When I inform the CSR of this fact the CSR insists it's the only number available. I ask to speak to a supervisor and the CSR refuses my request. I have also sent emails ( X2 ) to their customer support email address requesting the card be cancelled with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Trying to place a fraud alert or freeze my credit with Experian is impossible to do. They cant seem to confirm my identity online and want me to send in all these documents. I need this to happen immediately and dont have time to deal with mailing it in. XXXX and XXXX make it incredibly easy and stream lined over the phone. Why isnt Experian helping consumers in the same way? I am not comfortable mailing my personal information nor am I able to wait to get this matter taken care of. Identify theft needs action right away as Ive had several new credit inquiries as a result. There is also NO option of talking to a person at Experian. I dont understand how this is legal.
Product: Checking or savings account

Received {$20000.00} deposit in XX/XX/2021 withdrew {$14000.00} for bills owed and the next day my account was closed leaving what should be {$6000.00} chime said they would send the balance I got a check for {$300.00}!! Said the money went towards credit card charges I find this hard to believe since the credit builder card is prepaid!!! I plan to take legal action I am not the first nor will I be the last chime bandits!!
Product: Debt collection

The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates :  XXXX   XXXX ,  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by    XXXX   XXXX    and  XXXX   XXXX  coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and the Better Business Bureau if these issues continue to persist.
Product: Credit reporting or other personal consumer reports

Originally I asked for it to be removed from my report because of FERPA violations and privacy act of 1974 violations. However upon further research I defaulted on this loan over 13 years ago. It should only be reporting for XXXX my complete credit report Is incorrect as it says paid as agreed and current. I've never made a payment. This is destroying my life as my utilization is thru the roof. I believe XXXX  which originally was my servicer cancelled out the debt before aidvantage took over. I would have to foia financial records to be positive, but I could bet my right XXXX on it. ( Odds are more than favorable if I'm betting on my XXXX )! None the less it's been 40 days since company said they were going to respond. 43 from the day I sent it. Um Get it off. Considering how detrimental his has been to my credit, my life and family plus the willful non compliance would actually be a blessing for me. Proceed as you wish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to XXXX XXXX, experian in regards to XXXX XXXX XXXX {$8700.00} that has been charged off and now two other creditors are trying to collect. I have sent proof of verification, validations to all 3 bureaus and only XXXX deleted off the profile, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
Product: Money transfer, virtual currency, or money service

i used zelle normally for money transferring. on XX/XX/XXXX of XXXX, both my XXXX Account and Zelle was closed and deactivated. On XX/XX/XXXX I received another notification that my Zelle account was deactivated for non use, however, i was not able to access said account due to the XXXX closure. I had about {$300.00} in my bank account, and was never refunded. I am confused and would like to be informed of the matter and why this happened.
Product: Debt collection

Phoenix Financial Se for the amount of {$260.00} and the other for {$280.00}. I have written several letters certified to this collection company and these people continuously ignore my requests to validate their claim that I owe these amounts. I mailed the letters at the first of the year after President Biden took office. He has completed 100 days of being in office and I still have yet to get any of the documents I requested that Phoenix Financial send me. They ignore me and in the process are damaging my credit by reporting monthly to the credit bureaus. Even after they have been made aware that these accounts are invalidated, not correct and should not be reported as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been lied to by XXXX XXXX Auto Finance. Here is what happen to me. I set up a payment plan with XXXX XXXX Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX  at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Product: Debt collection

XXXX internet service has placed a equipment charge of XXXX in collection with Eastern account system that's on my credit report. That was opened on XX/XX/23 and I have spoke with XXXX cable service five times in the last month. I spoke with XXXX on XX/XX/23 and confirmed that they received their equipment on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( Experian, XXXX, XXXX ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached
Product: Credit reporting or other personal consumer reports

I have previously disputed this Public record with you : XXXX  XXXX Bankruptcy : Bankruptcy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response was they do not report to any credit bureau ( The letter from the court has been attached to this letter ), therefore your original response verifying the items either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

If you will not remove the bankruptcy please provide all the information below within 15 days.

Please verify that this public record is being reported completely and accurately.

Please verify that the complete and full court name that is reported and the following : The full complete and accurate docket identifier : Bankruptcy Type : Account ownership type : Attorney name : Disposition type : Disposition dates : File date : Paid date : Settle date : If you are unable to verify any of the information requested above, remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit report. All information you provide will be shared with the Consumer Financial Protection Bureau if this bankruptcy is not removed.