23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, {$1200.00} was taken from my account without my permission from a merchant named XXXX XXXX. I am on california XXXX, and the funds were taken from my bank of america XXXX pre-paid card. Since it is a prepaid card, my bank was unable to put a freeze on the account. Becuase it is clasified as a XXXX card I dont get notified of unautharized or unsuccesful transactions from merchants maliciuosly trying to retrieve funds from an account. As opposed to a normal account or business account that does notify its customers of suspicious activity and places a freeze on the account after 2-3 unsuccesful attemps. This is negligence in Bank of America 's behalf and discriminatory against americans with XXXX receiving lower tier of service and not getting updated of suspicious activity simply becuse my card classifies me as a XXXX customer. I just had a XXXX to remove 2 abnornal growths from my chest and expected to pay for my medical bills only to find out now I will need to postpone my medical care because of my financial difficulties after this merchant speedy cash took funds from my XXXX prepaid card without any prior notification to me at all what so ever, and bank of america acted negligently in not notifying me of such suspucious activity.
Product: Credit card or prepaid card

The number for our Billing Disputes team is ( XXXX ) XXXX ( TTY/TDD : XXXX ) This department is available Monday-Friday XXXX EST and Saturday-Sunday XXXX EST. 

XX/XX/XXXX purchase made from vendor XXXX XXXX XXXX XXXX XXXX for {$500.00} XX/XX/XXXX dispute filed with Citibank for purchase because I was unable to contact the furniture company and had not received my furniture yet ; XX/XX/XXXX dispute cancelled because my order was pending to arrive. 
XX/XX/XXXX citibank closed dispute and returned funds to the vendor ; citibank is saying the funds were received on XX/XX/XXXX. 
XX/XX/XXXX I was supposed to get my furniture delivered but the vendor could only see the chargeback ; they could not see funds returned. I called citibank who confirmed that the funds were resent back on XX/XX/XXXX but said that the receiving back rejected the funds and they would manually resend ; could take 7-10 days. provided by citibank ARN # : spoke with citibank billing disputes ph : XXXX XX/XX/XXXX e-mailed valyou furniture ( XXXX - XXXX for update ; XXXX XXXX indicated their merchant services case was still pending XX/XX/XXXX received letter from citibank confirming that the funds were sent back to the vendor on XX/XX/XXXX ; forwarded to the vendor XX/XX/XXXX e-mailed valyou furniture for update ; XX/XX/XXXX valyou furniture indicated that their merchant services said chargebacks could take 60-90 days regardless if there is documentation from the credit card company ; suggested I continue with charge back to get my money back and then charge again for the furniture I ordered. 
XX/XX/XXXX spoke with citibank customer service and billing disputes who kept repeating that the issue is on the receiving side, but they could not call the receiving merchant services to confirm payment was received and i could not file another charge back since you are only given one " shot '' even though the intial chargeback was cancelled, and if i wanted to get my money back, I'd need to go to small claims court with the merchant to get my money back. 

Requested to escalate to a supervisor ; billing disputes person indicated that no supervisor is available and someone would call me back in 24 hours. 

In the meantime, citibank took my money back in XXXX which I paid off ; the vendor does not have their funds, and I do not have my furniture. Citibank will not resolve the issue with the receiving merchant ; started saying visa has different policies on how funds are returned ; myself and the vendor are stuck in the middle. 

I don't want to have to pay again for furniture I already paid for.
Product: Student loan

I never received a loan forgiveness and it holding me back from fixing my credit
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Request for Urgent Intervention - Unfair Mortgage Servicing Practices by LOANCARE To whom it may concern, I am writing to you as a citizen of California and a veteran of our XXXX XXXX, to seek your urgent intervention concerning what I believe to be unfair practices carried out by my mortgage servicing company, LOANCARE. 

I purchased my home using my VA benefits. In XX/XX/2023, I lost my job, which resulted in missed mortgage payments. I immediately notified my lender about my situation and complied with all their requirements for financial hardship assistance. My VA representative guided me to request special forbearance, which I did, but there was no response from my lender. 

On XX/XX/2023, I was gainfully employed once more, and I sought to discuss options to bring my loan current. I received no response, and instead, I was informed that my loan was transferred to a new servicing company, LOANCARE. 

Upon receiving my first paycheck from my new employment, I tried to make a mortgage payment online. However, I was unable to, and when I reached out to LOANCARE, I was informed that I had to pay the entire outstanding balance plus an additional {$25000.00}. This response was unreasonable and unjustified considering my previous and current circumstances. 

I believe that LOANCARE 's lack of communication, refusal to engage in loss mitigation, and unexplained increase in the payment amount violates the Consumer Financial Protection Bureau 's ( CFPB ) mortgage servicing rules under the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ). According to these regulations, as long as I can afford to pay a mortgage, and have expressed a desire to do so, it is within my rights to explore options for alternative payment plans, forbearance, or modification. 

Furthermore, LOANCARE sent a letter dated XX/XX/2023, requesting certain information by XX/XX/2023 - a deadline impossible for me to meet as I only received the letter on XX/XX/2023. This late communication, I believe, is a violation of RESPA, which requires mortgage servicers to respond in a timely manner to borrowers written notices of error or requests for information. 

Despite the challenges I have faced, I am committed to fulfilling my obligations and seek a reasonable chance to rectify my arrears. I am reaching out to your office because LOANCARE 's practices are denying me my rights as a homeowner and a veteran. 

Given these circumstances, I implore the California Financial Protection Bureau to investigate this matter urgently. I kindly request you to help me engage LOANCARE in a meaningful dialogue to reach a fair arrangement that allows me to repay my missed payments through the special forbearance process. Moreover, an examination into LOANCARE 's practices may also help protect other homeowners in our state from similar unfair treatment. 

Thank you for your attention to this matter. I trust in your office 's commitment to uphold the rights of consumers like me, and I look forward to your response and assistance. 

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

I sent a letter on XXXX/XXXX/22 to JC Penney regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme XXXX. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. Also, due to covid, I was on deferment so there should be no late reporting per FCRA. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report
Product: Checking or savings account

On XX/XX/2021, I deposited a Treasury Check to my new Citibank account that I had opened online. A few days later I received an email from Citibank stating that due to my having violated the account terms, my account was being closed. I found out that my debit card and online access to my account had also been terminated. When I phoned Citibank to determine why, I was told that my check was not valid and that the issuer had been contacted to verify this. When I contacted the issuer, they were surprised and verified that the check was valid. I went back to Citibank, who told me that a duplicate check had been cashed prior to XX/XX/XXXX. Again, the issuer said that no such check had been cashed, and that my check had been cashed on XX/XX/XXXX. Citibank refused to give me any more information. I went to the branch and was told that they could not help. The phone support at Citibank then told me that I had to wait two more weeks until they determined whether the check was valid. At this point, it was XXXX. There was a lot more back and forth, and waiting on hold for literally hours, by me and also with the troubleshooter from the issuer. Finally, I went into the branch and the manager was able to get someone from Citibank, on the phone with the issuer also, to admit that this had been human error and should never had been done. I was told that the check would be mailed, but it would take 3 weeks. A few days later, the bank manager said that my account would be re-opened and the funds deposited, but he called back a few days later to say this was not possible and that he had been advised not to handle the issue any further. He referred me to a different Citibank department, the XXXX ' department. I have not heard from them. To date, I have still not received a check. On XX/XX/XXXX, it will have been 60 days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Synchrony Paypal MC combined with Paypal and took away many features leaving it nearly impossible to dispute or resolve issues. Also there is not contact info for the credit card. No phone, chat or email. Also can no longer see all activity. Would need to know exactly when the transaction occurred and look under that statement. Previous to XX/XX/2022 You could search in activity by dates. I had to dispute a fraud Company charge in XXXX and I had to fax my documentation since messaging is gone. Emails I receive with letters, I can NOT open on my desktop, it says : Sorry, our app is temporarily unavailable. We are working quickly to restore access. Please try again later ( see pic ). And today I received an email that says I have a message ( see pic ). To go to messages but that feature no longer exists. I have expressed all these issues to Synchrony, except for the email that came today. I dont think anyone will fix it
Product: Credit reporting or other personal consumer reports

Improper Use Of My Consumer Report. 
Do Not Have Consent To Have Or Use My Information.
Product: Debt collection

CAPITAL ONE AUTO FINANCEhas been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CAPITAL ONE AUTO FINANCE did not disclose that it was an attempt to collect a debt. CAPITAL ONE AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CAPITAL ONE AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. Also CAPITAL ONE AUTO FINANCE is 15 USC 1692k ( a ) ( 2 ) ( A ) civilly liable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , &   XXXX   XXXX   XXXX  ,   XXXX   XXXX  .,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX      XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with Lvnv Funding Llc company I believe the original creditor XXXX XXXX XXXX  XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and FHA, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, XXXX  for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in 2022, as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have XXXX, XXXX and Equifax blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another XXXX weeks. In this day and age that is unacceptable.
Product: Checking or savings account

I bank with capital one and Ive noticed that my account has been glitching multiple times not letting me deposit checks or lock and unlock my card. My card has declined before because the balances were incorrect when I just had a wire sent to my account to cover the overdraft. I dont understand how this could happen. As a mother of XXXX kids, I need every penny that belongs to me.
Product: Debt collection

I have been consistently reaching out to all three credit bureaus to correct an account thats currently reporting twice on my bureau. He has been over six months and still it has not been corrected. I have entered into a payment agreement of {$50.00} with the correct and original company to pay towards the balance due. This should not be reporting on my bureau twice. The original creditor has stated that they are only reporting it once. This needs to be corrected ASAP.
Product: Credit reporting or other personal consumer reports

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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$6000.00}
Product: Checking or savings account

I received a mortgage with Renasant Bank in XXXX with a XXXX balloon note balance, and part of the mortgage requirement was that I open a business checking account with them. At the time I was given a remote deposit machine. I was told that there would be no charge for the remote deposit machine, because Renasant did not have a branch in XXXX XXXX, FL. I paid off my mortgage in XX/XX/XXXX, at the time it was due. In XX/XX/XXXX, I was charged {$50.00} for the remote deposit machine with no Notice. Renasant still does not have a branch in XXXX XXXX, FL. When my bookkeeper gave me the 4th quarter totals on my account, I realized that I had been charged for 4 months for the remote deposit machine. I tried to reach out to my loan officer XXXX XXXX, he did not work at Renasant any longer. When I asked for the details of my loan and why I had been charged, Renasant stated that they put a notice on their online message board. I do not even know what this is, and explained the machine was given with no fee. I also told them that this was insufficient notice for a bank charge. They refused to provide me with any further information, and I it took me an additional ix weeks to return the machine and establish new accounts. Anyone else charged was not given sufficient notice
Product: Credit card

To Whom it concerns, I have followed all channels to return a product that was not what I ordered and feel as a consumer there should be a layer of protection when using a credit card. 
Here is the process : 1. I called XXXX XXXX XXXX to verify the return location prior to shipping the boxes 2. I labeled the packages according to the XXXX response on the phone-which happened to be the same return address on their shipping label when I received my order. 
3. I returned the items as they were not correct and a paired used - I was not selling any bullion back to them. 
4. They received the boxes with a signature confirmation from XXXX employee Manager XXXX XXXX 5. There is also XXXX tracking report that states all boxes moved normally threw the XXXX system with out any issues. 
6. There was also a XXXX investigation that XXXX XXXX has on file. 
I was simply returning a product that was not what I ordered in the first place. As a consumer, I used all the return tools that are available XXXX tracking and XXXX signature confirmation. XXXX received all XXXX boxes in good order stated by XXXX investigation ( sent report to XXXX on file ). In speaking to XXXX, I was informed that when packages go threw their hubs, they are reweighed several times. We are talking about XXXX boxes each weighing XXXX pounds. There was no damage and all boxes had correct weights which was recorded by transfer station employees and the driver. I have tried to contact XXXX at XXXX several times via email and phone asking for updates and any current reports and I have not heard back. The signature confirmation is proof that they received the items and the XXXX investigation is additional proof that it was delivered in good order. Its nonsense that XXXX is stating all XXXX boxes were empty after receiving them.
Product: Credit reporting or other personal consumer reports

I do not owe debt that's reporting to the credit bureau. I have no knowledge of this debt. 



XXXX XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$3000.00} XXXX XXXX XXXX  Account number XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} 15 U.S.C. 1681s-2 ( b ) The furnisher must investigate. if the investigation finds the information is inaccurate, it must be corrected or removed. Refrain from furnishing information they know is false.

15 U.S.C. 1681i Remove any unverifiable or inaccurate information