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

On XX/XX/XXXX, I hired the moving helper XXXX XXXX through XXXX, At the end of the work, I provided me payment code to XXXX XXXX. But he stated the payment didn't work and requested me to cancel the order and pay him via XXXX. I followed his instruction and paid him {$350.00} through XXXX connected with my Citibank and canceled the service. However, he charged me a total of {$360.00} again on the second day without my authorization. Therefore I double paid the moving helper. I attempted to reach out the merchant for a refund, my calls and texts were blocked. I sent an email, and there was no response. XXXX XXXX 's advertisement was also taken off from the website XXXX The whole thing looked like a scam. 

On XX/XX/XXXX, I informed Citibank to about the situation and disputed the transaction {$170.00} and {$180.00} from XXXX. Citibank declined the dispute and requested me more information on XX/XX/XXXX. I faxed my documents on XX/XX/XXXX and its representative confirmed the submission. I followed up with the dispute in the following weeks. Each work, a different representation told me a different story. For example, they did not receive my submission, they received my submission, there is a provisional credit, there is no provisional credit. Sometimes they put me on hold for nearly an hour. On XX/XX/XXXX midnight, I called to follow up again. Citibank Rep told me the case was close already, without further reason. But I have never received any letter stating the resolution thereof this matter. According to regulation E, they ought to provide me a provisional credit within 10 business days if they need more time to investigate the case. It's been nearly a month, and I have never received any credits.
Product: Credit card

Account was closed due to suspicious payment history line was for {$200.00} used for gas and was paid off multiple times before due date
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXX account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my report.
Product: Checking or savings account

I am writing to file a formal complaint regarding an unauthorized transaction made by XXXX XXXX using my closed debit card associated with my Capital One Bank account. On XX/XX/year>, XXXX XXXX deducted {$2100.00} from my account without my consent or authorization and Capital One paid the transaction even though I didnt have even close to this amount available in my account. 

I had cancelled and closed my debit card linked to my Capital One Bank account a couple weeks prior due to security reasons. Therefore, I am deeply concerned as to how XXXX XXXX was able to process a transaction using a cancelled card. This is a clear violation of my privacy and security, and I demand immediate action to rectify this situation. I did not provide any authorization for this transaction to take place. 

I urge Capital One Bank to investigate this matter thoroughly and provide a resolution promptly. I demand the full amount of {$2100.00} to be reimbursed to my account immediately. I also request that measures be put in place to prevent such unauthorized transactions from occurring in the future. 

I trust that Capital One Bank will take this matter seriously and provide a satisfactory resolution to this issue. I expect a response within 7 days regarding the actions taken to address this complaint. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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Product: Mortgage

I purchased a home in a planned community in XX/XX/2017. First, the builder prequalified my wife and I not including all taxes. I believe the escrow company proceeded to give the lender incorrect figures, not including all future taxes, which led to an escrow shortage of {$9000.00}. The lender now wants this money immediately for their mistake. Multiple neighbors in my track that bought from same builder and used same escrow company are experiencing the same problem. All of our lenders are demanding these escrow shortages immediately. I fear I will lose my home along with other neighbors in this track. I am currently having to refinance my home just to pay for this shortage and just to be able to stay in my home. Its costing me over 15 thousand to refinance my home.
Product: Credit reporting

I have submitted several disputes including Ftc.gov Fraud Affidavit to Equifax. I recently sent them a Fraud Affidavit along with a police report with regards to the XXXX XXXX XXXX - Acct # XXXX. I received a response from Equifax stating that they verified account and the item belongs to me. This account do not belong to me. Please help me to get this matter resolved.
Product: Debt collection

I received a judgement from Midland funding LLC, and a municipal court that said I owed {$3000.00} and they are adding 5 percent interest on a card that I believe to have been opened fraudulently. It was from XXXX XXXX and it was opened in XXXX. The last time I had a credit card from XXXX XXXX, it was closed and paid off in XXXX. Even if it is my debit, it is well past the 7 year drop off period because they bought the debit. I have disputed it over the last few years with the credit bureaus and they took it off my credit report recently. Then Monday the XXXX of XXXX, I received the judgement now threatening wage garnishment. I called midland directly and the lady was rude. I told her they couldnt add years to this debt just because they bought it, and I still believe it to be fraudulent, however she told me it wasnt illegal to buy debt regardless of if I told her it wasnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquires are not recognize ir authorized. XXXX XXXX reporting inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those Violations.
Product: Credit card

On XX/XX/2024 pay pal credit took XXXX from my bank account i had automatic payment set up for XXXX dollars i called and complained they on XX/XX/2024 I received and email saying it was there error and they will reverse the payment on XX/XX/2024 they charged my account XXXX but have not returned my XXXX dollars I called pay pal credit they said they will put in for a check to be mailed to me still have not received the check
Product: Mortgage

To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.
Product: Credit reporting

Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.
Product: Debt collection

I called multiple times XX/XX/24 and was transferred to XXXX XXXX every time. I was seeking information regarding my account, I was told that until I make a payment I will not receive any information and the lowest I can put down is {$100.00}. She was very rude & while updating my information told me you dont have any real bills why cant you make higher payments. When I asked whats wrong and where the attitude was coming from she said your questions. I asked if she could help me with logging into my account on their website and was told no, I have to make a payment. A payment plan was set for the XXXX of every month. I called back to complain about my experience and was told by a senior representative that they would advise the employee and there was no one else I could talk to. I called back XX/XX/24 to make my first payment. Once it was completed I asked if she could email or send a copy of our agreement, she said I will not send anything until the complete balance is paid. I asked if I could get into my account online and she said If I need to pay I can call. I asked how would I keep track & she told me look at your bank statements. I ended the conversation.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Pentagon Federal Credit Union ( PenFed ) to complete a vehicle loan application that I had started online. I had started to apply for the loan through their car-buying service, XXXX, so that I could get their low interest rate of 0.99 %. My loan is for {$19000.00}. I made sure that the representative knew exactly what I was trying to do when I called. She was able to complete the loan application, and she told me that I was approved for the 0.99 % interest rate. When I received the loan check, it had an interest rate of 1.89 % on it. Since this was incorrect, I gave them a call on XXXX XXXX. Another representative took a look into it, and she then told me that she was able to make the change to the 0.99 % and that it should reflect on my account soon. I asked her if I should still use the check that I received, even though it had the wrong interest rate. She told me to go ahead and use it. So, I provided the check to the dealership on XXXX XXXX. I waited 2 weeks for the interest rate to change on my account, and it didn't. So, I called PenFed again today, on XXXX XXXX. I explained everything to another representative. After he looked into it, he told me that I actually already had the discounted rate, and that rate was 1.89 %. He explained that I was originally approved for 2.89 % and the discount from XXXX brought it down to 1.89 %. I asked if there was anyway for this to change, and he said no. A few hours later, I called again and explained my situation again. I said that 2 representatives had told me that I should have the 0.99 % interest rate, and both of them told me this before I had given the check to the car dealership. I did not know that I was approved for 2.89 % until XXXX XXXX. I would not have gone through with the loan if I had known the interest rate up front, but I was assured by two different people that I should have had the cheaper interest rate. PenFed is telling me that the interest rate is completely dependent on credit score, which I completely understand. I am upset about the fact that I was told twice that I should have the cheaper interest rate, only for me to find out later that this was not the case. I have looked through all of my physical documentation as well as online, and I have no record of a 2.89 % interest rate. I can only see the 1.89 % interest rate. If I had known about the interest rate up front, I would have gone with a different lender who approved me for a rate cheaper than 1.89 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.
Product: Debt collection

SOURCE RECEIVABLES MANAGEMENT is a fraudulent collection agency that is attempting to collect a debt from me which I do not owe. I have a XXXX account which was confirmed to be fraudulent and was removed from my credit report for year. This collection agency is attempting to collect a debt in which I do not owe. I asked them for an email address so I can send proof but they don't own an email address for me to send documents.
Product: Mortgage

Im writing this letter because I feel upset about my refinance process. I started the process on XXXX and as of today I havent been able to close because Caliber Home Loans has Fail to comuncate with me they has changed the loan consultant many times and the havent told me. I call them multiple times and they never call me back with an update. All the documents needed for closing are going to expire soon and im not willing to wait more because the market and interest rates are changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
Product: Mortgage

Hi XXXX XXXX. 
I see that you refounded money on my escrow account, Could you tell me please how much i own you. 
I paid you {$1000.00} for XXXX, XXXX and XX/XX/2020 instead of {$1700.00}. 
The difference is about $ 660 monthly.The total should be about {$2000.00} for the 3 months. 
I will not pay you late fee.
Product: Credit card or prepaid card

I paid my credit card balance off by the due date ( a scheduled auto debited by credit card company - Bank of America ), and they charged me interest stating that since the auto debit did not post on the bank 's side before XXXXXXXX XXXX, I am being charged interest. Complete scam. I paid on time and should not be hit with interest due to a system limitation and error on the bank 's side.