23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I made ( 1 ) {$100.00} payment on my Bank of America credit card from my XXXX XXXX checking account dated XX/XX/XXXX. Because I could not make multiple payments on the same day, I scheduled ( 1 ) {$1500.00} payment for XX/XX/XXXX from my XXXX XXXX account. On XX/XX/XXXX, the {$100.00} payment posted, and TWO {$1500.00} payments posted, overdrawing my XXXX XXXX   account. I called B of A on XX/XX/XXXX to complain about this double payment not authorized. They told me that the first needed to be sure the payment was not returned as it was in pending. XXXX XXXX  did post that second payment, so I called B of A on XX/XX/XXXX and they said it would be 2-5 business days to reverse the payment. Today is XX/XX/XXXX, and I called B of A this morning to inquire about the reversal - I was told this morning it is still processing, and could take another 2-5 days, or up to 10 business days before that reversal could happen. Today was the first time I was told 10 days, and this was B of A 's error. I spoke first to XXXX, then to her supervisor XXXX, and asked to speak to her manager, XXXX. XXXX could not take calls, but I was assured she would call me back in ONE minute. It is now half an hour - I don't think there is any intention to call me back, that I just need to deal with their error. In the meantime, my account has been overdrawn all week, I am racking up OD fees, and can't spend any money out of the account because there isn't any - B of A has it. Also, my B of A account is current, and there are no issues with it.
Product: Checking or savings account

I use Capital One Bank for my checking account I have XXXX set up with my checking account. I made an error and sent several XXXX payments to the wrong person. I gained contact with this person through email, and the person ( XXXX XXXX ) filed a dispute with their bank ( XXXX XXXX ) I also filed a dispute with my bank. 


My bank denied the claim twice. My bank ( Capital One ) will not send a request for the funds to returned. 

XXXX XXXX  ( XXXX XXXX ) has removed the funds from his account so he can not send them back to me and his bank will not release the funds back to me unless my bank requests them. 

My bank will not assist me. I need help! 

XXXX XXXX has provided me with an affidavit of truth and I have provided this to my bank and my bank still denied the claim. 

Capital One Claim number XXXX XXXX XXXX Claim number XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I,, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in XXXX '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XXXX XXXX I get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the XXXX XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.
Product: Debt collection

this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Product: Money transfer, virtual currency, or money service

The company is paypal. I have my account since XXXX I use it for all normal things money transferred between friends purchasing items at grocery stores, XXXX XXXX. There's currently {$500.00} in the account that I need I'm in XXXX  putting my grandmother in hospice. And XX/XX/XXXX in the middle of a transaction everything turns red on my screen and PayPal said limited my account and I don't have access to my funds for XXXX days. There's nothing in my account nothing everything is completely normal just regular transactions no chargebacks no complaints nothing and they were just keeping my money and not letting me get access to it. I called there and the agent that helped me said he couldn't see any reason why that would happen. But nothing that he could do about it
Product: Debt collection

I have requested this company to show proof that I owe this debt. I requested in writing on XX/XX/XXXX that Account Adjustment Bureau, Inc or XXXX XXXX XXXX, XXXX furnish a signed legal binding document with my signature and I still have not received any proof from this company that I owe this debt. This account is showing on my credit report 4 different times twice with Account Adjustment Bureau , Inc displaying 2 different amounts. Also, XXXX XXXX XXXX, XXXX displaying 2 different amounts. This information is defaming my character and is deceptive and fraudulent.
Product: Credit card or prepaid card

On XXXX there were three transactions that were fraudulently purchased on my credit card. The three transactions were from XXXX XXXX XXXX - {$390.00}, XXXX XXXX - {$410.00}, and XXXX - {$130.00}. The moment that i realized i had fraudulent activity on the account i called Bank of America 's fraud department to report the charges - they gave me a temporary credit and stated they'd be conducting research. On XX/XX/2021 i received notification that the claim was denied due to the fact the card was " present '' therefore, i made the charges and i would be responsible for the charges. I immediately called the fraud department again, at the time of the charges I was XXXX at home unbeknownst to me i actually had XXXX which i tested positive for on XXXX ( I sent them this documentation as well ) I have spoken to the fraud department numerous times to follow up on the case to no avail. There is no valid reason why this fraud claim could possibly be returned as though i conducted the transactions due to the fact that i sent in a letter from an immediate XXXX stating the days I was out of work, i have the XXXX positive test and the fact that i have not once before claimed a fraudulent charge when there was not a fraudulent charge. I am so disappointed in the fraud process due to the fact that they state " Zero liability '' on fraud purchases. These are fraudulent purchases and I have heard plenty of stories that Bank of America does not pay out fraudulent activity due to the fact that they are awaiting a way for us as consumers to prove that we are innocent. I am a Bank of America associate and i handle my life with integrity and honesty and i am very concerned at the lack of thorough investigation via the fraud department. I would not ever consider defrauding ANY bank and the fact that they are making me feel like a criminal due to their fractured fraud system is beyond me. This situation scares me because if i had not been XXXX XXXX XXXX during this time how would i be able to prove that i infact did not conduct these transactions. I have submitted a police report, a personal letter to Bank of America, a reference letter and the XXXX XXXX tests - what more else can i provide to prove my innocence in regards to these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX Account 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 or other personal consumer reports

New Navy FCU detected on my credit XXXX XXXX and XX/XX/XXXX XXXX. I did not apply for a new account with Navy FCU. My information was exposed in the data breach.
Product: Mortgage

I applied for a home mortgage in 2008, with Wachovia Mortgage, who has since been bought out by Wells Fargo Mortgage. The interest rate is very high. I was never told that the loan was being processed as a home equity loan, and I saw no reason that it should have been, since this was the only loan on the home. I never told that it would be a home equity loan, nor did I ever receive any right of recission, as required by law. I am attaching all documentation I received from the loan processing and closing. I recently tried to refinance, and was told I could not do it. Reasons given was that the appraisal value of the home dropped, and the house did not qualify under the values required for home equity loan refinance. The name of the street where the property is located is also misspelled on the documents.
Product: Checking or savings account

there is an active online scam targeting job seekers like myself. While the scammers use different techniques and different social media tools, some common aspect of the scam is to offer a position and send a check to be deposited into the job seekers account. I was lay off from a job XX/XX/2023. Start searching for jobs continuously on XXXX. The scammer offer the job position as a XXXX XXXX XXXX working remotely. Paying XXXX XXXX as part time XXXX a or full time XXXX at your own. Excited and accept the offer and a check was sent for an amount of {$3200.00} to be deposit in my bank. Mobile deposit the check and got the funds XX/XX/2023. Use the funds to buy equipments for home setup to work at home. XXXX to an owner {$1000.00}. Then bought {$2000.00} money orders from postal office. Was instructed to send money orders to a business to get the equipment process and deliver. XXXX the money orders to the address given. Found out Monday XX/XX/2023 the deposit check was a scam forgery from the bank. I am so depressed that in such a vulnerable state and this happen. I have all emails from this scammers, all communications are documented for proof/evidence if needed from this report. I will provide all evidences for your reference if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Product: Mortgage

I am writing in regarding the recent modification proposal we received from Select Portfolio Servicing dated XXXX/XXXX/2017. We find the proposed modification to be predatory based on the following.
We were originally approved for a principal reduction with XXXX XXXX prior to our loan being transfer to SPS under the MHA streamline program.
Our loan was subsequently transferred to a new MBS as a means of not finalizing our government backed modification.
The original loan was entered into by my wife under duress while I was deployed to XXXX with the United States XXXX XXXX.
Due to the recovery period from my injuries and my inability to fully understand and respond to this process effectively we have been exploited in regards to this loan.
The modification paperwork covers up the fact the our principal balance is increasing by {$2500.00} in fees.
The loan is being recast from roughly 220 months to 393 months.
The LTV on the home is roughly 158 % after the modification.
While the modification lowers our current payment in drives us further into debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX 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: Debt collection

Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Product: Debt collection

Hunterwarfield debt collection company and I reached an agreement where I would pay {$2100.00} to settle a debt owed to springfield apartment and they would report the debt to Credit Bureaus as paid and closed. I finished making the payment on XXXX/XXXX/15 after XXXX payment and as of XXXX/XXXX/15 which is XXXX days later they have failed to report the debt as paid. I have spoken with XXXX and they inform me that Hunterwarfield has not reported the debt as paid even though customer representatives at Hunterwarfield keep telling me they have. At other times when I call Hunterwarfield they hung up on me. I would apprecaite assistance with this issue as Hunterwarfield promised me they would take 30-45 days to update the credit bureaus and have refused to do so and keep lying to me that they have.
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : 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