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

I was XXXX years old when this incident occurred XX/XX/2018, my debt card was taken while i was working with XXXX i stopped at a gas station, i paid cash during that time the rider robbers me. by the time i realized i had just got off work with XXXX i received a phone call from BOA letting me know the worst, unbelievable news. there had been fraudulent activity with my account in the amount of {$55000.00}, I ONLY HAD {$35.00} dollars in my account. i was told they would turn off the card, obviously all lines are recorded so this should be there. not even a 2hr gap i received another phone call, missed it i won't i lie i missed 2-3 calls from them WHILE DRIVING freaking out at night that this would be happening to me. when i received that phone call. The criminal made it to {$89000.00}!!! i asked how is this possible. i couldn't see no online activity from my app either. i was then told XX/XX/XXXX or XX/XX/XXXX of 2018 that " oh, there's nothing you can do, just let it happen. watch it close " ... ... From a BANK OF AMERICA employee. that account finally closed out in the amount of almost {$98000.00}. They let the person get away with this ALL in my name, took my {$35.00} too. then the following day allowed them to Some how manage to XXXX XXXX {$5500.00} out of the account to another person!!!!!! They did do the process of reversing the amounts, because they knew just knew i wouldn't do this. you will find the documents i have. But please check their records because they had the nerve to give me a name. With all of this being said it's taken me a LONG 3 years of unfortunate events cause by lack of efficiency of this bank & there security methods. This caused me back lash after back lash. closing my account undeservedly left me without a bank account for years, lost my car because of lack of payments, getting a percentage taken out of my hard earn money going to check cashing stores, rent has been late and I've been kicked out of places multiple times. i was and still am a XXXX XXXX. FINALLY finding away to be heard. This hit my credit. Bank of america " Life 's better when we're connected " does not make me feel safe with them ever. When i relocated for education purposes and tried again with BOA in New Jersey XXXX County. A Manager spent 4 Hrs trying to get an answer, getting the run around with me. i have made over 3 appointments in the XXXX location to resolve this matter. HERES where it gets good BANK OF AMERICA has driven me into a literally emotional XXXX. I'm huge on walking a straight line, the bank tells me i owe them nothing till this day, but they tell me i can file a dispute, then they tell me they can't reopen a dispute, then it's let me get you to someone better. after I've spent my days each time i try to resolve the matter. they THEN SEND ME EMAILS stating what i need to take care of with them!!! they're here to help right! bank of america was my 1st bank stepping out on my own to manage me independently so Please help me get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$370.00} is what XXXX XXXX says I owe them. But I have never had a actual phone bill, it has always been prepaid phones. I have XXXX currently. Someone opened up a account in my name and I think I might know who did it. I would like to resolve this asap. Thank you.
Product: Money transfer, virtual currency, or money service

I have a PayPal account. I had a balance of {$290.00}. On XXXX XXXX, 2020, I logged in to the account to transfer the money to my bank account. The money was gone. I contacted PayPal. They stated I had transferred the money to a VISA card ending in XXXX. I contacted them again advising I did not transfer the money and did not have a card, VISA or any other type, ending in XXXX. PayPal has continued to insist that I transferred the funds. Upon further investigating. my PayPal account showed a phone number XXXX. I XX/XX/XXXXthe number and it showed it belongs to a XXXX XXXX in California. I do not know this person nor have had any contact with them. Also, the recording at PayPal said I needed to verify a XXXX email address. I do not have a XXXX email address. I had one approximately 20 years ago. I use XXXX and XXXX mail now. I contacted PayPal again with this information and they still insisted that I transferred the money. I sent two letters dated XXXX XXXX, 2020, mailed XXXX XXXX, 2020 and delivered XXXX XXXX, 2020, at XXXX XXXX. As of today, PayPal has not sent the information concerning the unauthorized transaction. This is an unauthorized transaction or identity theft. PayPal has been uncooperative. I would appreciate any assistance you can provide. I filed a complaint with the XXXX  yesterday. I plan on filing a police report, a complaint with the Attorney General Offices for XX/XX/XXXXand XX/XX/XXXX, XX/XX/XXXX and any other agency that can assist me. Please help. I did not authorize the transfer. This is an unauthorized transfer and/or identify theft. Someone has my personal information and I need to know so I can prevent further theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Product: Credit card

In my XXXX statement I underpaid the {$65.00} bill by {$30.00}, it was an accident, but no matter they added a {$7.00} int.fee for that billing cycle, making a total of {$770.00} due on XX/XX/XXXX. 
XXXX statement : XXXX XXXX : {$770.00} Payments. XXXX on XX/XX/XXXX Purchases. XXXX Interest XXXX. ( why? ) If I paid the balance in full & on time the previous month including the interest fee from the last month, why am I being charged this month? I asked them to remove it, they refused & gave me no explanation, that made any since. If you receive a statement with a balance & due date & you pay that balance on time why in the world should I recieve another interest charge???? 
Thank you
Product: Credit reporting or other personal consumer reports

Someone opened a Transunion account, also an XXXX account, in my name. I would like to delete this XXXXXXXX XXXX XXXX
Product: Bank account or service

Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal request for removal of mistaken public information recorded on my credit report.I contacted Transunion, to reinvestigate this accountI havepreviously disputed XXXX XXXX XXXX : Bankruptcy Ref # XXXX with you, and in response, you verified the itemas accurate, But how is that possible XXXX was investigated by XXXX and XXXX and resulted in the same conclusiona removal from my credit file. I have enclosed a deletion notice from XXXX. the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.
Product: Credit reporting or other personal consumer reports

I am contacting Equifax in regards to the recent response to my CFPB Complaint # XXXX. Equifax has investigated the account XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Equifax has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
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. Specifically, Cash App failed to take timely and effective measures to prevent and access fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting

I wrote Transunion on XXXX XXXX. I reviewed their investigation results and let them clearly know I did NOT dispute their findings ( letter attached ). I received a response from them date XXXX XXXX. They did not take anything I asked out of that dispute status. Because of this my mortgage person can not get me approved for a mortgage.
Product: Debt collection

I have tried several times to dispute this account that is reporting to my credit report. This account was opened without my authorization.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violates the Consumer Financial Protection act
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00}
Product: Debt collection

XXXX company has been trying to collect a debt on behalf of American Express. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX XXXX  and after XXXX XXXX. They call on weekends and holidays. They called at XXXX XXXX  on XXXX XXXX XXXX. I have asked them to stop calling me, that I have disputed the amount of the debt, that I worked it out with Amex and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.
Product: Credit card

I am a XXXX XXXX XXXX running an XXXX XXXX XXXX and use a Chase XXXX XXXX credit card. On XX/XX/2024, I placed an order with XXXX ( XXXX # XXXX ) for a total amount of {$1800.00}. At the end of XXXX, Chase mistakenly flagged the transaction as fraudulent without consulting me and requested a refund from XXXX. XXXX returned the money on XX/XX/XXXX, and since then, I have been calling Chase to resolve the issue and contact XXXX. Chase claims they sent the money back to XXXX on XX/XX/XXXX, but XXXX has not received it. XXXX also requested proof that the amount was deducted from my account and that the bank sent the payment. On XX/XX/XXXX, I uploaded all the necessary photos as proof. XXXX insists that Chase needs to contact them, but Chase refuses to do so. Since XXXX, I have been trying to resolve this issue, spending XXXX hours each week talking to both XXXX and Chase without any resolution. Chase also charged {$1800.00} to my credit card in XXXX, and it still shows as an outstanding balance with XXXX because they have not received the money. This situation is negatively affecting my business and my credibility with my vendor.
Product: Mortgage

My XXXX mortgage statement had the incorrect XXXX interest an principal paid. I called Seterus on XXXX/XXXX/15 and was told they would send out a corrected statement, but they never did. I received my XXXX stmt, and the information is still incorrect. I called and spoke with someone today XXXX/XXXX/15 who was not able to give me any information and said that her supervisor was unavailable. I would like my statements to reflect the correct amounts of interest and principal paid on my mortgage to date. I have documentation of each person I spoke with and the date.
Product: Credit card

My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.
Product: Student loan

I was given the wrong information by Ameritech Financial. They said that my monthly payments to their loan forgiveness plan that they said would make it cheaper instead of what I would be paying for XXXX XXXX would be going to the loan. Plus they said now that they had the loan forgiveness plan with me that I would be paying less and not paying interest and if I went back to school and got a second degree and a better paying job with the government or state that my forgiveness would be even lower. None of my payments went to my loan and I found out the fee they charged me in the beginning to sign up was not even a fee I would have gotten with XXXX XXXX if I did the forgiveness plan with them instead. Where was my money going to if it wasnt for my loans?
Product: Debt collection

On XX/XX/XXXX, a debt collector ( Bureau of Accounts Control INC dba BAC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) attempted to collect a {$5100.00} debt by phone and email. BAXXXX claimed that a XXXX XXXX accounting firm was owed monies from XXXX. BAC Collections also reported a " Collection Notice for Retail/Individual Debt to all three Consumer Credit Reporting Agencies to add a negative collection notice on my consumer credit reports. 

Since that time, I have tried several times to ask for proof/validation that the debt is valid, but the collection agency only provided an email from this CPA firm certifying to the validity that I personally owe this consumer debt. This is not legal proof and I have asked for account statements, dated invoices or other legal documents to prove this is a valid personal debt. I also have tried to dispute this collection notice using the XXXX Credit Reporting Agency websites, but they defer to the debt collector to correct errors and BAC has refused to provide validation nor corrected their false Collection Notice submitted to all major Credit Reporting agencies. 

In addition to not providing legal validation that this is a personal consumer debt, the collection agency ( BAC ) has fraudulently changed the original date of the claim. The XXXX XXXX firm and original claimant ( XXXX XXXX XXXX XXXX ) has provided business tax reporting services for XXXX of my limited liability companies ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for {$750.00} ( invoice attached ). I have presented this invoice to BAC Collections, but they refused to correct the date nor acknowledge that the debt is a business-to-business trade matter and NOT a legal consumer debt. 

I called the XXXX  State Attorney General office and they recommended that I ask for legal proof I owe this debt of {$5100.00}, such as account statements, invoices or credit agreements in my name. I have asked BAC for this by certified letter and they have ignored my request for validation nor correct the original date of the claim ( XX/XX/XXXX ) and are violating the federal Fair Debt Collection Practices Act ( FDCPA ) by illegally reporting false credit collection notices on my consumer credit reports at XXXX, XXXX and XXXX. 

I request help to remove this false debt collection notice from all the Consumer Credit Reporting agency databases and to fine BAC Collections for not following the federal Fair Debt Collection Practices Act ( FDCPA ) for the statutory penalty of {$1000.00}. 

Thank you- XXXX XXXX.
Product: Checking or savings account

My wife and I are retired and live full time in an RV. We use a PMB address with XXXX 's XXXX in XXXX XXXX SD for my legal residence and all matters except banking. Because of the Patriot Act I use a next of kin address for the permanent address, all of which I've explained many many times. I've described this to every representative that would listen. Several people told me that it was not a problem. 

Anyway, on about XX/XX/XXXX I enrolled in the USAA Credit Union. I immediately created a savings account and transferred {$10000.00} from a savings account with XXXX XXXX. Everything was created via a telephone call because the online software was too buggy to work. Every representative I spoke with was told that I live full time in an RV and that I have no permanent physical domicile. I advised every representative that I would be using a next of kin address for my permanent address as per the Patriot Act. I stressed this vigorously with every representative I spoke. I've researched this and have found that if a customer has no permanent physical address, that next of kin satisfies legal requirements. Today I spoke with a banker with XXXX XXXX and she acknowledged that she also understood this to be true. 

I also contacted the USAA investments ( XXXX XXXX ) and arranged for XXXX XXXX to be transferred into an Ira , and XXXX of that was to be spent purchasing a fixed lifetime joint annuity. I then initiated a rollover from a 401k managed by " The Standard '' On XX/XX/XXXX I found that I was locked out of my online account ( this also happened the day before, but corrected with a phone call ). The representative told me that USAA was accusing me of fraud and that they were closing all accounts. I spoke with many representatives spending approx 2 hours talking to people trying to discover what the hell was going one.  Everyone I spoke to told me 1 ) I was suspected of fraud 2 ) They couldn't tell me anything about the fraud, evidence, or any details 3 ) They couldn't tell me why I was suspected of fraud 4 ) They couldn't tell me when, how or if my XXXX dollars would be returned except one lady said that she thought my money would be sent via a check. 

Today ( XX/XX/XXXX ) I spoke with a representative that told me that she could not tell me if my money would be returned. She could not tell me that my money would not be returned. She could not tell me why my money was being withheld. Basically, she couldn't tell me ANYTHING except that I was suspected of fraud. 

I've committed no fraud. I live an unusual life circumstance but I've tried very hard to explain this to every one that would listen. USAA clerks are all very mechanical and they engage the brains very little. 

the bottom line, I want my {$10000.00} immediately. I want the money to be placed into an account from which I can recover it immediately. Hell, wouldn't you? 

This has been a nightmare to a degree that I've never experienced.
Product: Debt collection

I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.
Product: Debt collection

I paid my doctors office and this was supposed to be removed from this company. It was sent to them in error. Yet it is still on my credit as paid but it was filed in error with the company
Product: Debt collection

Heartland ECSI received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. Heartland ECSI did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Heartland ECSI sent me deceptive forms violating 15 USC 1692j ( a ), and also claimed that they are not a debt collector subject to FDCPA. This is false because pursuant to 15 US Code 1692a ( 6 ), a debt collector means any person who attempts to collect, directly or indirectly, debts owed, therefore Heartland ECSI are not exempt from complying with the laws with respect to debt collection practices. 
I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. A 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Heartland ECSI. Pursuant to FDCPA and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator. 
Not only the allege debt is still not directly verified, Heartland ECSI has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. 
Heartland ECSI must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) in the amount of {$96000.00}.
Product: Credit reporting or other personal consumer reports

THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR XXXX, EXPERIAN AND XXXX TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX