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

On XX/XX/2021 I deposited a check ( check # XXXX ) in the amount of {$10000.00} at our local ( XXXX XXXX ) Bank of America ATM machine. The check was to be an in-bank transfer from our business account to our personal checking account. We complete the same exact deposit every month from the same ATM machine. The amount was debited from our business account but never made it to our checking account. 
We deposited two other checks ( check # XXXX : XXXX and XXXX ) for the same amount on XX/XX/XXXX and XX/XX/XXXX ... which has lead to some confusion. 
We spoke to three separate Bank of America banking agents on three separate occasions for about an hour each time to no avail. They keep saying that they are investigating the matter and that they will escalate the matter but this amount still has not been found nor returned to us.
Product: Checking or savings account

On XX/XX/2020, I purchased a mattress online for {$430.00} and then cancelled the order. On the same day, Chase showed the charge as pending and left it pending for several weeks and then the charge dropped off but it withheld my money during the entire time. Then on XX/XX/XXXX the charge showed up again on my account. I called Chase and told them that I had purchased and cancelled the order over ~ a month ago. They filed a claim to put the {$430.00} back in my account. However, over the next few weeks the charge was added and removed over 5 times. My balance was high, low, high, low. I also have an account where debits are not supposed to be paid but they paid debits and on XX/XX/XXXX sent notice that my account is {$400.00} overdrawn. They deliberately hacked and overdrew my account by having by having my balance go high, low, high low with a bogus charge for an item that I never even purchased or ever received. This went on for for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spark driving for XXXX with XXXX XXXX. My application has been submitted for almost 3 weeks. XXXX work has no customer service contact number. The place running my background check is waiting for my consent forms that i have already filled out. XXXX will not let me update or resend them. I can not get in contact with them. This my personal background report that I want done asap or delete my information.
Product: Debt collection

Porfolio Recovery Associates, LLC calls multiple times per week from a different number some with local prefixes trying to collect some unknown debt. I have told them repeatedly DO NOT CALL ME, I am not paying the debt. They continue to call me, my friends, co-workers, etc. It needs to stop. I am not gon na pay them a dime, I have never done business with them, I don't even know who they are. They need to stop calling.
Product: Bank account or service

On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I XXXX XXXX, sent a Cash App, to a friend of mine, in the amount of XXXX on XX/XX/22. However, the transaction was never completed, my relative never received the funds. I contacted Cash App, they haven't been able to help me in locating the funds. I have been communicating with them via of chat. I contacted my bank, which is connected to the checking account, where the funds were taken from. 

So far i have not been refunded anything from Cash App, the Cash App, website is still showing a pending message, they are trying to indicate that my friend recieved the funds. 
However, they are not saying where the funds were transferred to.The funds should have been received by, XXXX XXXX bank, that is where my friend has her account with.The funds were sent from my checking account, with, XXXXXXXX XXXX. 

Cash App XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing a dispute against serve because my card was stolen and fraudulent transactions were made without my permission or knowledge. I was incarcerated when the fraudulent transactions were made. I contacted Serve several times. I filed the dispute with them on XX/XX/2022. I was incarcerated from XX/XX/2022 until XX/XX/2022. I called them on XX/XX/2022 to report the Transactions. The rep told me that they will give me a Privisional Credit by the XXXX business day. The XXXX business day was on XX/XX/2022. I filled out the Fraud Declaration form that they required & Uploaded it to my account. But yet they have still yet provided me with any information regarding my dispute, nor have they provided me with a Privisional Credit.
Product: Credit card or prepaid card

Capital One retaliated against me because I filed a complaint ( # XXXX ) about fees they were charging on a credit card that had been paid off. They took the fees off, but added a derogatory note to my credit report that the fees were paid under an emergency fund or something, that caused my score to drop 21 & 23 points within 24 hrs of XXXX XXXX- XXXX XXXX. This is inaccurate, unfair and I want this corrected immediately. I have worked hard to rebuild my credit after many trials and tribulations and I am not going to allow greedy, scheming corporations like Capital One get away with doing this. This is wrong! Who holds these people accountable for things like this????
Product: Credit reporting or other personal consumer reports

This is my third endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

I reserved 2 tickets for a boating event with a reservation company, XXXX, on my Capital One XXXX XXXX credit card on XX/XX/2022 for {$370.00}. XXXX charged my credit card on XX/XX/2022. The reservation date was for XX/XX/2022. On XX/XX/2022, I called XXXX to cancel the reservation and request a refund. According to XXXX ' refund policy, the cancellation must be done at least the day before the booking date to receive a full refund. XXXX emailed me on XX/XX/2022 that they notified the boating company of my cancellation and they are looking into the refund. They ultimately denied my refund. XXXX that I did not follow the terms for a refund, without further explanation. 

I disputed the charge through Capital One in an attempt to resolve the issue. XXXX responded to the dispute to Capital One with the claim that a chargeback was not acceptable because I never cancelled my booking according to their terms. They said that I was a " no show ''. I responded to Capital One that I called XXXX to cancel the reservation a day before on XX/XX/XXXX. I included my email confirmation from XXXX, of my cancelation request. Capital One denied my chargeback request with a letter stating that I did not provide all of their requested information. I called Capital One to find out what was missing, and I was told by the agent, XXXX, with the agent # XXXX, that I did not provide a cancelation confirmation from XXXX. I told XXXX that XXXX sent me the email confirming my request for a cancellation and a full refund. XXXX refused to send me anything else at the time. I explained that I did my part to cancel the reservation and I followed XXXX 's terms for a refund. The fact that they did not cancel the reservation on their end was not my problem. I demanded that Capital One reevaluate my dispute with that in mind. XXXX said that it is a final decision, and no supervisor can reevaluate my dispute.
Product: Credit card

I paid off my credit card with American Express. It was a check for {$6000.00}. They cashed the check, but failed to payoff my account. I have a copy of the check they cashed on XXXX/XXXX/16 which was drawn off of XXXX XXXX XXXX. Check number XXXX. Please fix this as I 've contacted American Express numerous times and have gotten no help. At one point they mentioned doing an investigation which would take 30 days. This is unacceptable.
Product: Mortgage

I paid my home off at XXXX XXXX XXXX XXXX, XXXX, Texas on XX/XX/2022. Around XX/XX/2022, there was a three-way call with Gregory Funding , the title company and myself regarding the escrow owed which was verified at {$2700.00}, and the representative stated the escrow was released. I asked when it was mailed and he stated it had not been mailed but would mail it within 15 days. As of today I have not gotten my escrow payment back. I also called back about a week ago to give them the new forwarding address to send the payment to which is XXXX XXXX XXXX, XXXX, Texas XXXX and still have received the payment. They also told the title agent that it would take 45 days to release the papers for the home in which the title agent thought it was quite excessive compared to other mortgage companies. I would like my escrow back as soon as possible please.
Product: Credit reporting or other personal consumer reports

I have been disputing this information for XXXX and the information is sometimes removed and replaced with some other false information, I dispute this information and it has been removed before, CFPB has assisted me in the past, As of XX/XX/XXXX, the false information has reappeared on my credit profile and I would like it removed as soon as possible.
Product: Money transfer, virtual currency, or money service

my account was compromised and multiple external banks withdrew almost XXXX  dollars from my account. Credit karma said that I was the one to take the money. They Keep proceeding to decline my dispute and me and my kids are suffering. i dont have a job and that was my college fund money. please help.
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. 
XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I looked at my TransUnion Credit Report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

Experian has failed to uphold my consumer rights and complaince standards in the reportuing of erroneous information on my consumer report.
Product: Mortgage

This company services my mortgage loan. On at least eight occasions I have attempted to make payments on the principal. The company has hind, lost and or rejected payments on the the principal even though I paid up to date on the mortgage. 

In XX/XX/2021, I made a payment to this company of {$500.00} to be applied to the principal only. This was made over the phone and the representative said it could be done. ( I have the XXXX XXXX XXXX statement showing this ). The company is now saying that this payment was never made. I have proof of the payment. 

The company is constantly misappropriating my funds. I find that they discriminate against me and my mother. I have constantly had issues with them over payments, fees, and made up changes. 

They have hindered me from paying on the principal. I have documentation showing various misjustices that they have done.
Product: Credit card

On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified of a credit inquiry through XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from XXXX, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than 5 different numbers to contact XXXX. None could help. Including XXXX very own Fraud department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into Experian to file a dispute. They responded back on XX/XX/XXXX claiming XXXX verified the inquiry was accurate with no details ( no contact phone # for XXXX nor any supporting information ). 

XXXX bank and experian have not done an adequate job resolving this.
Product: Debt collection

I am not a fictious CORPORATE ENTITY, or PUBLIC OFFICE HOLDER using any fraudulent government-created, UPPER-CASE name, XXXX XXXX    XXXX XXXX XXXX that resembles my natural name. This upper-case fictional identity was forged for unlawful commercial gain from a birth certificate contract without full disclosure to me and without my consent or my mothers consent. 
1. There is no evidence that XXXX XXXX XXXX XXXX has any outstanding liabilities or obligations with NAVY FEDERAL CREDIT UNION under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. Affiant believes there is no proof to the contrary. 
2. Pursuant to Title 12, Section 24 paragraph 7, it explains the power of the XXXX XXXX  XXXX. 12 U.S. Code 38 - The XXXX XXXX  XXXX States ; Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. NAVY FEDERAL CREDIT UNION brought forward and loaned its own CREDIT within the Consumer Transaction/Contract. Bank do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. Affiant believes there is no proof to the contrary. 
5. Fact, the United States Federal Government has been dissolved by the Emergency Banking Act, XX/XX/1933, 48 Stat. 1, Public Law 89-719 ; declared by President Roosevelt, being bankrupt and insolvent. H.J.R. 192, 73rd Congress in session XX/XX/1933 - Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. Federal Reserve Notes ( FRNs ) are unsigned checks written on a closed account. FRNs are an inflatable paper system designed to create debt through inflation. To pay a debt, you must pay with value or substance ( i.e., gold, silver, barter or a commodity ). With FRNs, you can only discharge a debt. You can not pay a debt with a debt currency system. Federal Reserve notes make no such promises, and are not money, you can not service a debt with a currency that has no backing in value or substance. No contract in Common law is valid unless it involves an exchange of good & valuable consideration.
Product: Credit card or prepaid card

Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX  and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/XXXX  and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/2023 ( a XXXX  ) via a wire transfer. XXXXXXXX XXXX XXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay and Dispute of Collection Account Dear Equifax, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to formally notify you that I refuse to pay the alleged debt you claim I owe. Furthermore, I am disputing the validity of this debt and demand that the collection account be permanently deleted from my Equifax credit report. 

XXXX XXXX XXXX  This debt is inaccurate and unverified, and as such, I invoke my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I demand that you cease all collection activities and communications with me regarding this matter, except to confirm that the account has been deleted or to provide lawful validation of the debt. If you are unable to validate this account as required by 15 U.S.C. 1692g, you must immediately cease all collection efforts and ensure its removal from all credit reporting agencies.

Under FCRA 611, I also request that Equifax conduct a thorough investigation into this matter and confirm the deletion of this inaccurate and unverified collection account from my credit file. 

Please provide written confirmation of compliance with my requests. Failure to adhere to federal laws will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX
Product: Debt collection

At the start of XX/XX/2022, myself and my fiance disputed the illegal attempt at collecting a debt not valid under Nebraska Law by XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX is the proper name of our former residence, not XXXX XXXX. ) I disputed the results with both XXXX and Transunion, as it had not yet reported to my XXXX credit report. After initiating these disputes, XXXX XXXX XXXX XXXX retaliated by submitting the collection account for the illegal debt not valid under Nebraska law with XXXX. 

At this point, it has been removed by XXXX but not Transunion, as, according to Transunion, the debt is valid, yet several pieces of information on the account are incorrect. Firstly, the responsibility for this account is not an individual account, it is a joint account under both my name and my fianc 's, and the original creditor for this illegal debt was XXXX XXXX, not XXXX XXXX, and this debt doesn't have legal basis in the State in which it was claimed, so how could any of the collection have merit? Transunion failed to look at the provided documentation and did not remove this mark from our credit reports, despite XXXX doing so when presented with the same evidence.