23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In early XXXX my dad directed me to obtain his home loan payoff with PHH Mortgage Services. I did so and obtained a payoff of {$7200.00} and set date for payoff was XX/XX/2019. Dad directed me as his power of attorney to pay the mortgage off with the pay off instruction. I went on XX/XX/2019 to my local credit union and did a wire transfer for {$7200.00} plus a {$20.00} fee for doing so. PHH mortgage services mistakenly applied the amount to the wrong account which was my personal account with them for my home, not my dad. I don't know how or why they did this my payoff is way higher than my dads home. I have contacted PHH mortgages and they have told me they are working on it but nearly two months later have not done so. They in fact are sending me default of loan letters for my dads property which is now my property. Can someone please help me with his complaint. PHH mortgages is not listening.
Product: Debt collection

My wife and I have had several phone calls with XXXX  over this debt. For the longest time they could not even find the debt using any of my information. This debt is not mine and is harming my credit. The debt amount is {$470.00}.
Product: Checking or savings account

On XX/XX/2024 I opened a new Citibank savings and checking account and transfered {$30000.00} into the new checking account on XX/XX/2024. On XX/XX/XXXX I deposited my wife 's check of {$740.00} via mobile deposit into the savings account ( at this time my wife was not listed on the checking/savings account but was listed as an authorized user for our credit card account that was all linked together ). I had access to the new accounts which were linked with my credit card as well. On XX/XX/2024 I tried logging into my account and noticed I was not able to access my checking or savings account, I tried reaching out to citibank but was unable to get help due to the weekend. On XX/XX/2024 I finally reached Citibank and was notified that the account was in fraud alert and was currently under review. On Feburary XXXX my checking and savings account were closed and I was told I would get a letter at a future date in the mail about why my accounts were closed and supposedly I would receive the funds in my checking account in the mail. I tried contacting Citibank but I am just past from one department to another with no help. I have contacted the Citi Exceutive Response Unit to see if they can help me.
Product: Student loan

I've been on the PSLF program since graduating from XXXX  school in XXXX. At that time, Fed Loan Servicing took over my accounts and I've been making monthly payments ever since ( while employed at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX ). 

Fed Loan Servicing has recently made several mistakes in handling payments on my account which has required me to make no fewer than 15 calls to get straight answers and get my issue resolved. Several months ago, Fed Loan Servicing agents promised to conduct a review of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to ensure they are " qualifying '' payments. Most recently, I've tried to get answers about the status of the review ( which has been going on for months ), but I've been told that Fed Loan can not provide me with any information or even an estimated time frame when they can complete the review. As I close in on 10 years of payments, this is very distressing. This is also extremely frustrating and not the only time I have had serious issues in getting answers from them. In some cases over the past couple months, I've had agents provide incorrect information. ( For example, when the company involuntarily placed my account on " forbearance, '' they stated that it would not affect my credit score ; it did and I had to file a CFPB complaint just to get the issue resolved ). 

What I want is for the company to complete its review of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, to confirm that each of the payments have been applied to PSLF, and a final accounting of all the qualifying payments I've made over the last 9 years, because I am getting concerned that, based on past experience, the company can not be trusted to get the information correct or to do the right thing.
Product: Checking or savings account

Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ). 
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}. 
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me XXXX..
Product: Debt collection

On  XX/XX/XXXX  I received a phone call from (  XXXX  )  XXXX  which I believe to be a spoofed number. The person on the phone claimed to be an attorney named  XXXX   XXXX . She stated that I had an unpaid loan from check  n  go from  XXXX  and that a warrant was being issued today for  XXXX  counts of check fraud. I had  2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of  XXXX   County Sheriff De partment with someone saying that they just got a fax from  XXXX   XXXX  and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay  XXXX   XXXX  and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this  XXXX   XXXX  about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, 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 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 XXXXXXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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, credit repair services, or other personal consumer reports

I have ordered a credit report while purchasing a new car. 
My credit report shows that I have unpaid medical debt in collection in amount of {$170.00}. 
I never have received any bill for {$170.00} recently from anyone for my medical services and never received any letter from any collection agency that I owe anything to anyone. The credit report does not show who has submitted the debt for the collection, neither the name of the collection agency. How can I obtain such information?

How to remove the incorrect data from my credit report?

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Inquiries These inquiries are totally illegal thats why i froze my report. Please remove. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/2024 XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX ) XX/XX/2024 Please remove these illegal inquiries off my report.
Product: Checking or savings account

XX/XX/XXXX - On XX/XX/XXXX, I requested XXXX ( XXXX ) money orders to be charged to my Wells Fargo checking account ending in XXXX money order # account # XXXX # XXXX {$150.00} & Money # XXXX XXXX # XXXX was for {$420.00} both drawn on the above- mentioned account. In reviewing my account, I do not see either of these transactions ( both on the same day ) listed on my account for XXXX, or any other date in XXXX. I see NO transaction!! Which is very strange as I did see that entry made when I checked on XXXX balance at the end of the month. Now there is only one other transaction of a money order attributed to my checking account that was charged. 
I would like a full explanation as to WHY this account is not showing my purchase of XXXX money via my checking account..
Product: Debt collection

Dear CFPB, I am writing to formally dispute the OPP Loans account that was fraudulently opened in my name on XXXX XXXX XXXX. This account does not belong to me and should not be present on my credit report.I request that you investigate this matter and take the necessary actions to remove this fraudulent account from my credit report. Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All I wanted to do was to get a second credit card since I only have one. I have excellent credit scores with all three credit bureaus XXXX or above. XXXX and XXXX unfroze my reports without any trouble, but would not.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am still having issues with Chase. After closing account for no reason they were providing awful service trying resolve the case. First of all the accounts were closed for no reason which were confirmed by supervisor from XXXX as there were no rapid increase in my revolving balance. Actually it was decrease. Furthermore some information was in dispute which was finalized shortly and according to XXXX it should not be taken into account. On XX/XX/17 I am receiving call from XXXX XXXX from chase credit department. He  was not able to provide any explanation regarding closure of my account but told me to contact chase whenever the issue with credit report update is resoled so they can reconsider the opening my chase freedom account ( One more thing whenever I requested for a review I told them to reopen only chase freedom but their employees reviewed all my account to have them all reopened which I have never requested ). Today I called representative and she after taking couple of minutes told me that she could not have it reopened as it is more than 30 days and she told me that there wasno XXXX XXXX working in Chase credit department. Furthermore it is already 60 days no supervisor called me from their credit card services department and I was told on recorded line to 48- 72 business hours. Every time I was told that they were calling wrong number and I updated it 3-4 times. I know that all calls are recorded and it is one more proof regarding how unprofessional company they are. within 2 month nobody called me from their supervisors. 
Attaching my credit report which only shows 3 percent of utilization. 
plus no feedback and resolution about remaining issues from my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I recieve a phone call from a XXXX XXXX representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and XXXX XXXX. 

I repeat once again : I am requesting original and direct signed contract between my person and XXXX XXXX XXXX  and signed agreement or contract between XXXX XXXX XXXX  and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.
Product: Mortgage

I started paying my mortgage payment in XX/XX/XXXX and never had a issue, Im making close to {$10000.00} a month. Someone had my debit card with PIN number than used it but I had my card on my possession the whole time, this happened in XX/XX/XXXX and the bank froze my account XX/XX/XXXX and XX/XX/XXXXwhen the mortgage company tried taking money from my account it was declined because my bank froze my account till further investigation they said. I wrote to freedom mortgage to get the2 missed payments in XX/XX/XXXXand XX/XX/XXXX out of my credit bureaus and they refused, I sent them all the proper documents needed. This was my last way of resolving my negative items.
Product: Credit reporting or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX transition and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, trans union, XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, trans union, XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, trans union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, trans union, XXXX XXXX XXXX XXXX collector Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

Linebarger Goggan Blair and Sampson LLP has been harassing me since XXXX about a debt I do not owe for a vehicle that was sold to XXXX XXXXXXXX. I contacted XXXX XXXX several times and they said they notified the state of Virginia that this car was sold to another party. This company has negatively impacted my credit and also harassed me over and over again on the phone with bogus numbers and threats. When I called them today, the person who responded to the call said she could not talk to me unless I paid the debt. Even after I explained to the woman that I did not have the car and it was sold in XXXX, she refused to talk to me. 

So, I am turning to to you to stop this company from contacting me and to have them take this falsified debt from my credit report.
Product: Debt collection

ISSUE : A Bank of America credit card in my name was charged {$86.00} in XXXX without my knowledge or consent. I was not contacted by Bank of America or a debt collector and only know of the incident because of my annual credit report. 

REPEAT OFFENDER : This is the second time Bank of America has charged me for a credit card without my knowledge or consent. I elected to pay {$100.00} in charges made without my knowledge or consent on a credit card account I did not have just to clear my credit in the summer of XXXX. 

As I politely explained to Bank of America tonight ( XX/XX/XXXX ) by telephone I feel that I have no options to resolve a clear case of identity theft and fraud. 

The Bank of America representative further advised that a savings account and checking account were created in my name in XXXX without my knowledge or consent. 

I have not had a Bank of America account in about seven years yet I still get charged with items on my credit report. Paying a debt I did not owe in XXXX made the problem worse because I accrued an additional balance and two more accounts were opened.
Product: Credit card or prepaid card

I have repeatedly attempted to contact capital one to dispute billing errors and identify unauthorized charges. However, Capital One has removed the email links and fax numbers from their contact information, disabled my ability to chat online with them, and removed my ability to dispute transactions online. By the time I get home every day, the dispute department is closed making it all but impossible to report these issues. I have attempted to notify Capital ONe via social media who only points me to one of the avenues I Just listed which are not available. I have wanted to reassert the following transactions which were rebilled to me in error : XX/XX/XXXX TRANSACTION REBILL for {$50.00} and XX/XX/XXXX TRANSACTION REBILL for {$100.00}. Additionally, I've attempted to dispute the following charges through multiple venues, yet capital one keeps pointing me elsewhere : XXXX XXXX XXXX {$260.00}, XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX {$12.00}, XXXX XXXX XXXX XXXX XXXX {$42.00}, XXXX XXXX XXXX XXXX XXXX {$22.00} and XXXX XXXX XXXX {$210.00}. I have attempted to notify Capital One via the online chat when it was working, and through the online dispute option which never worked. The online dispute button asked me to call in and the chat department always asked me to call in as well, which when I have the time to call in the dispute dept is closed. I have tried notifying them via social media, which does no good either. They have made it impossible to exercise my right to dispute billing errors and unauthorized transactions.
Product: Vehicle loan or lease

I tried to resolve issue in XX/XX/2023 when I just seen it on my credit report. I asked the company to send me over information regarding this.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX