23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number XXXX XXXXI Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my background check from FirstAdvantage for XXXX XXXX, I put both of my charges ( XXXX  on XXXX, XXXX XXXX XXXX XXXX ) on my back ground but the only one that came back was my XXXX on XXXX charge was admitted and the background said I did not report my other charge and I did. I need it fixed now please.
Product: Credit card

On XX/XX/XXXX, USAA sent me a text message notifying me my they suspected possible fraud on my Credit Card and froze it. I would believe them correct and appreciate that they did. I did notice difficulty with downloading transaction transcripts prior to this as well as when I received the notification, a pattern that seems to have developed at other financial institutions. At the time, I did not call them due to a combination of advice of legal counsel, and dealing with an extensive amount of other fraud. I understand that these matters are time sensitive, but given the circumstances which I hope will become evident, it seemed like the best option. In nearly every case, the retailer has confirmed their policies and that I am owed a refund. My complaint, is that I recently noticed my card became unblocked without any contact from me. My ability to download transcripts has also been restored. I've attached documentation of similar issues with other financial institutions that has made me wary of beginning this process with USAA. I've attached documentation detailing the above.
Product: Checking or savings account

Ive used my debit card ( TD Bank ) to put gas on my car. 
XX/XX/XXXXXXXX  approx XXXX from XXXX XXXX XXXX XXXX. The machine prompted me to put my PIN the in the transaction. My total purchase was {$11.00} on regular gas for XXXX XXXX. 
Surprised to see {$150.00} posted on my account on debit card plus another transaction {$11.00} both from XXXX XXXX XXXX XXXX  XXXX. 
I called on TD Bank to help me dispute the transaction. Temporarily credited me for {$150.00}. 
Yesterday XXXXReceived a letter from TD bank stating they have reviewed the claim and it was authorized by me. They will reverse the previously credited {$150.00} to me. 
XX/XX/XXXX, I went to TD Bank XXXX and spoke to XXXX ( he did not introduced himself, so I dont know his last name ) I explained that it was a fuel gas transaction and explained that I did not get any receipt from transaction. He spoke to someone on the phone and mentioned that the XXXX transaction was XX/XX/XXXX {$150.00} was at XXXX and XX/XX/XXXX {$11.00} was at XXXX. Which does not make any sense if you are buying gas and it was on their records that it was XXXX mins apart. Asked me to go to XXXX XXXX XXXX  and get a receipt. 
XXXX mentioned that someone tried to contact me as well on XX/XX/XXXX, to get more evidence of my claim. I showed him my phone, no message left for XXXX. 
I went to XXXX XXXX XXXX and was told they would find someone to check on the transaction. Still waiting for answer on that. 
My vehicle is XXXX, it wont fit a {$150.00} amount of fuel/gas. I was trying to explain that to TD Bank. 
Please help me with my claim. 
Thank you
Product: Debt collection

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Richard J. Boudreau & Associates ( collection attorney ). 

My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. 

I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. 

I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

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

Dear XXXX, Transunion, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX Transunion, please remove the following fraudulent account from XXXX Bank from my credit profile as well. XXXX XXXX Account XXXX : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and Transunion profiles.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Complaint Regarding Unauthorized Hold on Pre-Authorization Funds Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Capital One regarding an unauthorized hold on pre-authorization funds that has not been released back to my account, despite numerous attempts to resolve the matter directly with the bank.

I have reached out to Capital One on several occasions regarding this issue. My last correspondence with them was on XX/XX/XXXX, when I requested the release of the pre-authorization hold and the return of the funds to my account. The pre-authorization funds in question were held by Capital One for a rental from XXXX XXXX XXXX totaling {$1200.00}. Capital One returned {$200.00} to my card but has yet to release the remaining {$1000.00}. 

Despite contacting XXXX, who confirmed that they had requested on XX/XX/year> the release of the pre-authorization funds and provided a pre-authorization code XXXX, Capital One has not acknowledged or processed the release. I have repeatedly asked Capital One to verify the validity of the pre-authorization code and to release the hold on my funds, but they continue to deny having any records of such a hold on my account. 

I have provided Capital One with copies of all receipts from XXXX, showing the pre-authorization transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$1200.00}. Each week, XXXX would collect the rental fee and place it in a temporary account until the vehicle was returned. Upon returning the vehicle, XXXX billed me the final rental total of {$1000.00}. 

Despite providing all necessary documentation and repeated requests for the release of the pre-authorization funds, Capital One has failed to release the hold and return the funds to my account. I am seeking your assistance in resolving this matter and ensuring that Capital One complies with their obligations regarding pre-authorization holds. 
Capital One keep confusing the credit that was place on my account for dispute issue that I thought I was being charged double billed by XXXX be along Capital One never released the temporary hold from the pre authorization fund. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXXXXXX XXXX XXXX
Product: Bank account or service

My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.
Product: Credit card or prepaid card

On XX/XX/2019 Sears Mastercard by Citibank charged me {$5800.00} in deferred interest for two promotional items that were paid off prior to the promotional expiration dates. The first promotional item was paid off on XX/XX/2019, 19 days prior to the XX/XX/2019 promotion expiration date and the second promotional item was paid off on XX/XX/2019, 6 days prior to the XX/XX/2019 promotion expiration date. I specifically allocated payments for these two promotional periods. This deceptive and abusive act put me over my credit limit and severely impacted my credit resulting in a 36 point decrease in my credit score. After two calls to speak with a supervisor, the creditor  eventually reversed the fees, however the damage to my credit had been done, and over a month later my credit is still impacted. This creditor 's mismanagement also negatively affected my ability to refinance my mortgage which I had planned to do while the rates were historically low. The high balance reported to credit bureaus from XX/XX/2019 to now has still not been corrected. This is the second occurrence since I opened the card that this creditor has incorrectly charged deferred interest for promotional items. I believe this is a violation of the federal consumer financial laws.
Product: Credit card

I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.
Product: Money transfer, virtual currency, or money service

This complaint is against PayPal. 

I purchased a {$2000.00} gift card from XXXX XXXX gift cards. It was sent to me via XXXX XXXX in a sealed package. When I opened the envelope inside in XXXX, I checked the balance on the gift card and found that the card had only a {$40.00} balance on it. I immediately contacted XXXX XXXX. They researched and found that the card had been used for numerous PayPal transactions between XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX representative suggested that I contact PayPal, which I did immediately. 

I spoke with a PayPal representative, who opened up a case with the case ID XXXX . They were able to verify each of the fraudulent charges and told me that the name of the person who made the charges was XXXX XXXX. I had received documentation from XXXX XXXX which outlined each transaction 's date, payee, amount, and transaction number. We matched up all of these with the information that PayPal had. I was advised that PayPal would investigate further. Because this was a gift card, upon verification of the fraud PayPal would issue a refund to XXXX XXXX, and XXXX XXXX would reissue the refund to me. I was advised that this could take some time. 

XXXX XXXX did issue a new gift card, but it was {$240.00} short of the expected amount. I made numerous calls to both XXXX XXXX and PayPal. I was initially told that it may take a little longer for all of the refunds to come through. 

On XX/XX/XXXX, I was finally able to get through to speak to a representative. With the help of her supervisor, the representative was able to verify that PayPal erroneously neglected to refund one transaction that occurred on XX/XX/XXXX and was posted on XX/XX/XXXX. This was listed as PAYPAL XXXX XXXX XXXX XXXX in the amount of {$240.00}. The representative gave me another reference number for that transaction, which was XXXX. We spoke about how much time this was taking without me getting a refund. The representative assured me that she would expedite it and gave me a new Case ID number : XXXX. 

I continued to check with XXXX XXXX when I did not receive this refund. During this time, I also went online to the PayPal site to try to resolve this. There was an option to get a callback from a PayPal representative. I did this several times, but never received a callback. 

On XX/XX/XXXX, I spoke with a PayPal representative named XXXX. She also connected me to her supervisor, XXXX. XXXX informed me that because so much time had passed, PayPal would not be refunding my money. I told him that this was unacceptable, as I had filed my complaint immediately. It was PayPal 's error that this transaction was not included in the original refund, and I had spent months trying to get it resolved through them. I asked to speak with his supervisor. After being placed on hold for an extremely long time, he told me that a supervisor was not available. I requested that he have a supervisor call me the next day. I have never received a call. 

I sent two emails to PayPal, one on XX/XX/XXXX to the executive office mailbox and the other on XX/XX/XXXX to XXXX XXXX. I have never received a response.
Product: Credit reporting or other personal consumer reports

Was impacted by a purchasing scam, XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.
Product: Bank account or service

I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.
Product: Vehicle loan or lease

I am a XXXX XXXX  who was out of work due to illness. I let this company know and even pushed my payments back. A friend made payments on my behalf that was reversed later down the line. I was not aware of the reversal until weeks later where I proceeded to make a payment to get caught up. This company is reporting that I am 60 Days late on my payment which Can not be accurate at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I have problems getting my credit report from Equifax. I just received my most recent report after considerable effort following a complaint through the annual credit report website. Upon reviewing the report, I noted that the new report does not indicate the existence of my credit freeze or promotion block which were conspicuously set forth on last year 's report and are always on the face of all my credit reports. I have attempted to resolve this and confirm my credit freeze and promotion block by contacting Equifax only to run into the same roadblocks that I encounter every time I have to deal with them. 

I need a credit report that indicates the existence of my credit freeze and promotion blocks to assure me that it hasn't been removed without my permission. I do not trust Equifax to recognize my credit freeze if it is not confirmed on my report. I have had my personal and credit information compromised by their incompetence in the past.
Product: Debt collection

I do not have any connection with the SPRINGOAKCAP company. I believe the original creditor sold my account without my permission. I only recognize XXXX XXXX as the original creditor.
Product: Mortgage

Dear CFPB, Citibank assisted me with paying my property taxes and homeowners insurance because I was unemployed for nearly 2 years. I pursued a XXXX license to develop new skills and was hired by XXXX XXXX XXXX, in XX/XX/XXXX. Since, I have been struggling with Citibank to straighten my mortgage account balance due. 
In XX/XX/XXXX, I took over paying my OWN homeowners insurance and property taxes because Citibank 's Escrow charges were escalating at an exorbitant rate. They are charging me {$28000.00} in arrears. Citibank added their own homeowners insurance and paid approximately {$4500.00} XXXX year and a second time {$4700.00}, WITHOUT MY CONSENT, At that time, I tried doing a Modification so that I could catch-up. Citibank refused. 

Recently, I also tried to lower my interest payment to see if there was a way that I could make progress towards paying my mortgage and account in arrears. However, all Citibank offered was to refinance my mortgage to a 20 year, but I said no because I should be finished paying off my mortgage balance in less than 3 years. 
What I find I find interesting, is that I did not receive statements from XXXX County indicating how much Citibank paid and NOW CITI is charging me {$28000.00}. 
Needless, to say, I am in the dark and do not trust any of the charges that appear on my statements. 

PLEASE HELP!!!!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an amount for {$570.00} that was due on my credit card ( discover ) that I was trying to get paid on the XXXX of XXXX but I was unaware that the payment was attempting to come out of my savings and not checking. So due to this issue it caused my card to be put under a late payment when in actuality I was trying to get it paid before the due date and statement date. I called my bank, credit card and tried to dispute it thru the credit bureau.
Product: Mortgage

I received a construction to conventional loan from XXXX XXXX Initially I was paying interest only during the construction phase. During this time I made extra principal payments to decrease the interest while I was building. After final closing I paid several payments on the conventional loan with extra principal payments. On my last statement from XXXX XXXX XXXXXX/XX/year> the outstanding principal was {$720000.00}. When I received the new loan company United Bank statement XX/XX/year> outstanding principal was {$720000.00}. I called the new company to ask what happened, they told me to contact the old company. XXXX then informed me {$720000.00} is what United purchased the loan for. I went back to United and was able to talk to a local individual who sent it to her managers but nothing has ever come from it and after a few phone calls I have not received any explanation. I have requested a sit down at United bank for someone to walk me through the calculations showing where their numbers came from. I have all of the statements from XXXX and I just want to know that my extra principal payments were applied correctly and that I am not paying extra because the loan changed hands.