23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX was charging me for 5 months for a service I never activated or accepted. I had simply gotten a quote and then didn't move forward with it. When I called them to refund my money for the service I was being charged for but never used, they lied to me and told me the refund had been issued & the charges would cease. Then they charged me for another month of the same service and when I called again they said they would not give me a refund and the person I had talked to ( who " issued the refund '' ) was incorrect and they would not be refunding my money. So I canceled my internet service with them and the last person I spoke with told me she was applying the credit from the service I never used to what I owed on the account to close it out. Next thing I know I'm being contacted by a debt collector and the debt collector calls me at least 5 times per day as well as texting me. This is completely outrageous that XXXX would lie to me and that they would send my account to collections after telling me it was taken care of. Now this is showing up on my credit report which is completely unfair. This should all be in XXXX 's notes as each person I spoke with assured me they were taking detailed notes about our discussion.
Product: Checking or savings account

Dear Sir/Madam : From XX/XX/XXXX to XXXX, there were {$10000.00} in unauthorized charges on my Keybank checking account. These were debit charges were labeled XXXX -- -- - XXXX XXXX XXXX XXXX 

I called Keybank twice to complain. 

On XX/XX/XXXX, {$1600.00} of these charges were reversed. This posted immediately after my second telephone complaint to Keybank. 

On XX/XX/XXXX, another {$4100.00} in charges were reversed. This posted on XX/XX/XXXX, immediately after my first complaint to CFPB. 

That leaves me with an outstanding loss of {$4900.00}. 

The attached email from Keybank dated XX/XX/XXXX notifies me of a {$2.00} fraud with a POS label, the first purchase in the sequence. This suggests I was in XXXX XXXX to approve the purchase. I have never used XXXX to purchase anything, nor have I been to XXXX XXXX. 

I submitted a previous complaint to the CFPB on XX/XX/XXXX. 

I dont see how this type of fraud is possible without the cooperation of the bank itself, including the fraud department. It involved XXXX purchase of {$990.00} after another over a period of several days. 

That a second tranche of money was returned to me after a complaint is suspicious as well. Its like the bank wants me to get tired of complaining.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

SoFi bank keeps saying it can not approve my credit card application for the following reason : " Unable to verify Identity ''. ( see Sofi letter attached ). XXXX keeps recording wrong names which is the direct cause of the discrepancies. ( see recent credit report attached ). When queried by creditors, XXXX does not return first my main identity as shown on my ID ( attached also ) with my correct full name but instead a series of variations which causes the approval failure. I complained several times about this problem. Finally, XXXX added to my report a Personal Statements : " SPECIFIC PATRONYM RISK AS MY FULL NAME IS MADE OF A COMBINATION OF FOUR EXTREMELY COMMON GIVEN NAMES AND FAMILY NAMES WHERE ALL INVERSIONS, SUBSTITUTIONS, OMISSIONS, OR MISSPELLING CAN BE LINKED TO EXISTING INDIVIDUALS. REQUIRE THAT ANY NAME RECORD EXCLUSIVELY CONTAINS MY FULL PATRONYM AS OF XXXX XXXX XXXX XXXX ''.
Product: Checking or savings account

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern related to the recent data breach involving XXXX, in which my personal information was compromised. As a consumer, I am deeply unsettled by this incident and am reaching out to request that my full credit report be cleared to mitigate any potential damage that may arise from this breach.

As you may be aware, the XXXX data breach has affected countless individuals, including myself. I have received notifications indicating that my sensitive information, including my Social Security number, date of birth, and financial account details, may have been exposed. This breach raises significant concerns about identity theft and unauthorized access to my credit profile, which could have serious repercussions on my financial wellbeing. 

Given the magnitude of this breach, I believe it is essential to take proactive measures to protect my credit and financial health. Therefore, I kindly request that my full credit report be cleared. This action would help safeguard my information from potential misuse and provide me with the peace of mind that my financial identity is secure. 

I appreciate the work that the Consumer Financial Protection Bureau does to protect consumers like myself, and I trust that you will treat this request with the urgency and seriousness it deserves. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your attention to this matter. I look forward to your prompt response regarding my request. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XXXX the XXXX of XXXX I contacted my lender Lakeview Loan Company regarding my escrow overpayment. I was informed that the escrow team had not started on my overpayment and it probably wouldnt happen till the beginning of the new year. I enquired as to why this would take them so long to process my escrow return. The agent informed me that the company would also be preforming the escrow reevaluation at that time. I stated I understand and I would wait time after the start of the new year. On XXXX the XXXX XXXX, I received a letter from LAKEVIEW Loan company stating that I should have a check cut and sent out within the next 20 business days. Due to holidays and weekends I waited till XX/XX/XXXX, to contact LAKEVIEW Loan company regarding my overpayment check and the fact my escrow amount was evaluated as increasing. I questioned why the check had not been cut as of yet and was told the check definitely should have been cut. The LAKEVIEW Loan agent stated that they would put in the order to cut the check and it should take 48 hours. I then addressed the fact my escrow amount increased even though I do not pay property tax under the states homesteading laws. The agent stated that they would put in a request to do a reevaluation of my escrow. I stated that would be fine. It is now XXXX the XXXX XXXX, i emailed LAKEVIEW Loan company that they still have not cut my escrow repayment check or reevaluated my escrow payments. I informed LAKEVIEW Loan company that they had 48 hours to rectify these issues or I would contact the CFPB regarding the violation of XXXX. It is now XX/XX/XXXX, and I still have not heard from LAKEVIEW Loan company regarding my escrow repayment. During these uncertain times the money that I have overpaid my Loan company could really be used to help my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

this is a formal compliance against equifax, the XXXX account charged me for a services i never received, and when i went to pay it they told me that they were going to remove it from my credit report, something they never did
Product: Credit reporting or other personal consumer reports

My Identity has been stolen in the past. Ive sent in supporting documentation to all 3 Credit bureau who has investigated and verified that I was victimized and the removed all unauthorized accounts from my reports until recently. I just noticed that all previous removed accounts has been placed back onto my credit reports.
Product: Debt collection

The company CBE calls daily 3-4 times a day. I've repeatedly told them to stop, they just get XXXX  with me.
Product: Money transfer, virtual currency, or money service

I was on vacation in XXXX XXXX Florida, Was out for the night at the bar, and my phone was at the bar unlocked and used to make unauthorized sending of payments directly out of my checking account using XXXX. I immediately contacted chase bank the next morning when I noticed my balance was sent out to unauthorized people to submit a fraud case, and because it was through XXXX they are trying to tell me the payments were authorized which was never the case, my phone was used illegally to send out money.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments 1. XXXX other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120days. XXXX XXXX has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in pdf, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled
Product: Mortgage

i have asked for them to remove my pmi and they wrote back saying no. even though we had never missed a payment or late and our home is worth a lot more then when we bought it.
Product: Debt collection

Dear IQ DATA INTERNATIONAL I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that acontract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days. 


XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX? 


Santander representative acknowledge payment, however, again they were unable to apply payment. 


For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously. 


Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid. 


About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue. 


On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect. 


XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home. 


The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received. 


When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 BANK OF AMERICA GOT A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSON
Product: Credit card or prepaid card

Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right

s. 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 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts. My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The
banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} NCB XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2022 two transactions were done using my debit card while I was asleep of {$130.00} at XXXX then {$160.00} XXXX from a merchant XXXX. I've never heard of this merchant before. I called my bank Chime and they said they were unable to dispute it while it's pending. Today on XX/XX/2022 it posted and I filed a disbute and not even XXXX minutes later they denied it and said I was liable. When I called back they said they were unable to provide to me why it was denied or give me any further information. They also told me I needed to contact the merchant to prove I did not make these rather than them doing it. 

I was on the phone with chime to dispute this at XXXX for XXXX minutes so I was off the phone with them by XXXX. I got the email at XXXX that it was denied which means they did not even contact the merchant. 

My phone number is XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX oregon XXXX If you need any further info please let me know.
Product: Money transfer, virtual currency, or money service

Please provide evidence that I have negative balance.. if I share address with someone that must be my neighbor.. but why do I have to suffer for what my neighbor did.. I have moved from one house to another in recent years so youre telling me that if someone living there commit an offense I will be the one to suffer for it.. as far as I know I dont have any negative balance under my name.. so you cant just because I share address with someone you will now debit me because I share address with someone thats ridiculous.. please refund my money.. please provide evidence that you claimed under the name XXXX XXXX that I have negative balance.. it must be with my name please.. if its not with my name then its not me.. I cant suffer for someone misconduct because we share the same address.. dont give lame excuses I wont stop this until I take you guys to court.. youre making me losing my life if I commit suicide I will label its from PayPal.. refund my money dont XXXX my money for yourself because I share address with a roommate or neighbor or someone that lives there before.. so far its not with my name you cant because of address and put someone misconduct on me. 

Email associated with my PayPal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! EQUIFAX, XXXX, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...