23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to purchase a {$1700.00} sauna from a website called " XXXX XXXX XXXX XXXX  '' ( XXXX : XXXX ) who's parent company is called XXXX XXXX XXXX XXXX I hit the purchase button after giving my credit card information and nothing happened..no confirmation - nothing. So I clicked on " purchase '' button again. Again, no confirmation. The page never refreshed or loaded. I began to worry that this site was potentially fraudulent and I called the 800 number listed on the site. I left a voicemail that night asking that the company please cancel any purchase or purchases that may have came through that night. I also contacted my credit card company, Bank of America and asked them to stop any payments to that company. 

I was in fact charged twice that day XXXX $ and again {$1700.00}. I disputed the charges online and on XX/XX/XXXX I was refunded for one purchase ( XXXX $ XXXX then on XX/XX/XXXX I was refunded another XXXX XXXX I thought that was it. I actually went to another bath shop and successfully ordered and received a sauna for XXXX $ through XXXX. You can see that charge literally the same day after the XXXX $ charges. 

Later on XX/XX/XXXX I was charged {$1700.00}. I again disputed the charge and was refunded on XX/XX/XXXX. 

Then again, on XX/XX/XXXX I was charged again XXXX XXXX I have spoken to COUNTLESS representatives at Bank of America in addition to a man named XXXX at XXXX XXXX XXXX  XXXX in Virginia who reports he NEVER had any orders from me from that site at all. He could never find a confirmation or my order whatsoever and on his end later he did see where his parent company refunded my charge of {$1700.00}. 

Bank of America continues to treat this as a " duplicate charge '' meaning I was charged twice for the same item and one of these charges should be valid. However, as I've explained above and to several different people at Bank of America ( including XXXX in Tennessee, and XXXX in Tennessee, XXXX, XXXX XXXX Executive Advocate Claims Customer Care ) I never wanted either of these purchases to go through. I never EVER received a confirmation or email or receipt from XXXX XXXX for Less and I NEVER received any goods from them. I feel as though I have hit a wall. I have spent hours with my OWN bank trying to explain this story and over and over they dont seem to get it. I am at a loss. I do not want to pay XXXX $ for an item I never received. A purchase I asked them to CANCEL. 

Please help me. Its been 6 months of back and forth and I've gotten no where. I've spent hours on hold and dont know if I need to hire an attorney or what recourse I have. I am not sure if theyve charged me interest on this purchase, I pay off my card each month minus the balance of XXXX XXXX In fact, on the most recent letter from BOA stating that the dispute is resolved and I owe XXXX $ it also says the time frame to dispute is expired because it's taken SOOOOOO long for them to figure this out.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$150000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$150.00} XX/XX/XXXX
Product: Student loan

I received a letter from Nelnet on XX/XX/2024 stating that my loans were placed in an automatic administrative forbearance due to a " calculation error '' Nelnet made. This was done without my consent. I have been making extra payments during this time and interest has been accruing, while I don't believe interest should have accrued during this time period. I spoke with a customer service representative XX/XX/2024 and was told they " had no knowledge '' of when I would no longer be in administrative forbearance, although the letter I received dated XX/XX/2024 used past tense language.
Product: Credit card

I made a purchase on my bank of america credit card with a bank of america cash back deal with XXXX that offers XXXX % cash back for any purchase from XX/XX/XXXX to XX/XX/XXXX. I made the purchase on XX/XX/XXXX but never received my cash back. I chatted with multiple agents and they all confirmed I qualify for the offer and the cash back rewards will be posted in a few business days. But many days has passed and I still didn't any cash back for this deal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I HAVE BEEN IN DISPUTE WITH BBVA BANK SINCE XXXX IN REGARDS TO LATE PAYS THAT HAVE BEEN TAKEN OFF DUE THE THE BK ON FILE AND PMI ISSUES THAT AS WELL TAKEN OFF. ALSO AT LEAST XXXX PAYMENTS NOT POSTED CORRECTED. 
NOW I HAVE ATTACHHED MY BK ATTORNEY DOCS AND US DEPT OF BK FILED AND SIGNED BY THE JUDGE ON THE MODIFICATION OF MY MORTGAGE. IT SEEMS THAT BBVA NEVER COMPLIED WITH THE CORT ORDERS WITH THE NEW RATE AND TERM AS WELL THE PAYMENTS SINCE THE CASE CLOSED XX/XX/XXXX. I HAVE TALKED TO NUMBER OF VP 'S IN THE MORTGAGE INDUSTRY AS WELL MY OWN CREDIT UNION XXXX. I HAVE BEEN IN XXXX FOR OVER 20+ YEARS AND KNOW FOR A FACT THAT THIS TIME BBVA HAS REALLY DROPPED THE BALL ON THIS CASE. 
I WILL BE FORWARDING THIS COMPLETE FILE TO HUD/FTC/FAIR LENDING COMMISSION. SO REVIEW THIS CASE AS WELL. 
THIS LOAN SHOULD HAVE BEEN LOCKED AND FIXED UNDER CASE XXXX FILED UNDER THE UNITED STAES BANKRUPTCY COURT XX/XX/XXXX. 
I CONTACTED BBVA AND THEY STATE MY RATE IS ONLY GOOD TIL XX/XX/XXXX AND ITS VARIABLE.
Product: Checking or savings account

To whom it may concern, On XX/XX/XXXX of this year there was a fraudulent transaction on my CHASE account in the amount of {$250.00}. I immediately closed down my debit card and ordered a new one. Initially, CHASE credited my account. On XX/XX/XXXX, I received a notice that according to their records, I authorized the transaction. I'm assuming that since my credit card wasn't stolen and the billing address was the same, that it was easy to rule that i made the purchase. The package was mailed to my house with a different name as the delivery person. I still have said package. The only reason I even opened the package was due to the fact that my phone number was on there, that really made me suspicious. 

Below I am attaching a picture of the package that I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state 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 may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXXXXXX 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: Debt collection

The XXXX loans and the Nelnet loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The NelNet and XXXX loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX  was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies Nelnet and XXXX who are subsequently and wrongfully reporting.
Product: Debt collection

The XXXX collection was taken off of my credit report last year. It was illegally added back XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I keep on dispute inaccuracy on my credit report and every month all I get in the mail is a letter saying verify I don't think someone is looking at my disputes ( I mean a actual person ) I think this practice is wrong and all my disputes items need to be deleted ASAP because it as been XXXX  month disputing them.
Product: Vehicle loan or lease

Credit Acceptance now reporting on XXXX thats my loan. 
That is identity theft the use my name and S.S through a application.XXXX  XXXX thats his debt he also file bankruptcy for this loan.They will not remove it off XXXX. 
I file a police report also
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian dated XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Product: Vehicle loan or lease

In XXXX of the year XXXX  the Company CIT Financial repossessed a XXXX XXXX XXXX that I had financed through them, at that time I was unable to continue making payments on the truck due to the ongoing covid 19 epidemic. The issue with this is that when they came to take the truck they took the WRONG truck, They took a truck I had financed with another company ( XXXX XXXX ). I've been trying to work with CIT to resolve this issue, to date CIT has made no efforts to help resolve this problem. The truck they should have taken is still in my possession but I can not do anything with it, the truck has no title, I can not get new plates for it, this caused me to have to stop using this truck which at the time was the only running truck in my fleet, forcing me to shut my company down. I tried to work with the DMV to try to get the title for the truck that CIT wrongfully took and the DMV informed me that my truck had been registered in Ohio while I was still the legal owner, meaning someone forged papers to register my vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has in their agreement the option to cancel the loan within a set timeframe. I submitted my request to cancel my loan. At first the reversal was declined by my bank due to fraud. However, upon retrying XXXX XXXX stated they had technical difficulties with reversing the loan. No updates were given on this ongoing issue, I had to reach out. During this time I became frustrated with the lack of help. This is predatory behaviour as they do no have a proper process that takes care of customers with cancellation requests that are within their own terms. Instead they make it difficult just to earn the predatory fees. These deceptive actions led to me taking on the loan and giving up on their process, and now they have reported my account late to the bureaus. They never updated my account compliance coding while in dispute when the issue was ongoing. This should have never happened but their greed to keep loans opened are unfair, deceptive, and mislead customers into keeping loans they want to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX Equifax and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX
Product: Debt collection

Century Financial Services is owned by XXXX XXXX XXXX XXXX. 
They billed me twice for the same bill and were paid twice for the same bill. 
They cashed a check on XX/XX/19 {$100.00} and an additional one on XX/XX/19 {$100.00}. Received a notice in the mail telling me I was sent to collections ( Century Financial Services ) for a past due balance of {$100.00} but they actually owe me {$100.00}!!!! 
Century Financial insists I owe {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights : Accounts : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my venmo account which I had for years now was closed for reasons to this day I have no idea why I was never told anything about it by anyone just days before that I was asked to send a photo of my id which I did no problem and on XX/XX/23 my venmo account was closed and to this second I still have no idea why and what happened to make them do that to me I have called them several times and was told nothing at the time of this happening I had XXXX dollars in my account that is still being held up for reasons I still don't know about I was sent nothing in writing to this second
Product: Student loan

My income-based repayment plan was up for it 's annual renewal in XXXX and I submitted an application to continue the repayment plan to both of my federal student loan holders at the time, FedLoan Servicing and XXXX. Shortly thereafter, I received notice that the loans held by XXXX were being transferred to FedLoan Servicing to consolidate servicing of my loans. The loans showed up on FedLoan Servicing 's end in XXXX, I believe. To my knowledge, my request to continue income-based repayment was never processed by either company. I have contacted FedLoan Servicing multiple times regarding this matter. On XXXX XXXX, I received an email from a " XXXX '' at FedLoan Servicing, telling me that they were waiting to process my request until a {$5.00} payment was made on my account, although they had never communicated this to me officially. I made the {$5.00} payment online that same evening. I did not receive anything showing they had processed the repayment plan renewal, so I emailed them again on XXXX XXXX to check on the status of my request. On XXXX XXXX, they responded that I needed to allow 7-10 business days to process the request, and that 10 business days was XXXX XXXX. The request has still not been processed, or at least I have had no communication from the company stating that it has been and they appear to be billing me under standard repayment. My bill was due in the amount of {$280.00} for two of my loans on X/X/2017. I did not pay them and told them that I would be contacting you about the issue, and that I would not pay it until they processed my request. I have not heard back from them. I have two questions at this point. Can the CFPB require them to process my request for income-base repayment? And secondly, is there any way that I can have all of my federal student loans transferred over to my prior servicer, XXXX? They were much easier to deal with than FedLoan Servicing, and I never had any trouble with them. If possible, I want to change all of my loans over to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Louisiana Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of Louisiana any longer. We both moved to Texas and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX XXXX XXXX ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from Texas updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in TX requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.
Product: Prepaid card

On XX/XX/2023, there was an ATM withdrawal from my XXXX debit card account using my information! The problem is that I had my debit card in my wallet when this withdrawal was executed! I live in XXXX XXXX, Ca and the transaction was executed at a XXXX ATM in XXXX, Ca. 
I conveyed this information to the bank, and they denied my claim stating that upon investigation, the transaction was authorized by me or someone else that I gave them authorization to do so! 

I am appalled and insulted for this decision, as it is clear and obvious via my account history, that this transaction was not authorized and fraudulent! 

I asked to speak to a supervisor, and was hung up on by the customer service rep I spoke to... 

This is wrong and I depended on this money for bills. This was my unemployment benefits, and I would like for Bank of America EDD card operations to do the right thing and refund this unauthorized withdrawal... 

It was in the amount of {$120.00}, and was NOT authorized by ME... 

It was simply stolen from my account in a fraudulent manner ....
Product: Checking or savings account

I opened a Citibank checking and savings account on XX/XX/XXXX with the promo code XXXX with the expectation that once I met the criteria that were stated I would get the promised {$400.00} cash back. As of XX/XX/XXXX, not only have I not received my cash, I have had to call in multiple times to have incorrect fees waived from my account. I have had multiple claims supposedly submitted on my behalf but they have just gone into the ether.
Product: Consumer Loan

I have a loaned of {$3000.00} on XXXX 2014, My balance never goes down I am late with my payment sometimes. All the payments its goes only in the interest because of being late and charged me XXXX a day. I almost paid about XXXX or more but my balance still {$2800.00}. If i do not pay on time my payment will only go on interest.. This is too much interest. The company is Consumer porfolio services of california. Its located at XXXX california. My name is XXXX XXXX XXXX, MY PHONE XXXX MY ACCOUNT NUMBER IS XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.
Product: Debt collection

On XXXX XXXX, I received debt collection notice for {$3500.00} ( copy is attached ). It states that my account is delinquent for non-payment of the repair or replacement of Air Handler Unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 
I sent letter disputing this debt for the following reason : I've never received the item or service from XXXX XXXX XXXX XXXX. 
I contacted the management office and they told me that it is for installation of AC unit on XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX. 
I've never contacted to XXXX XXXX XXXX XXXX, XXXX and didn't make a maintenance request to XXXX. Copy of invoice is attached, there is no customer signature authorizing work. 
According to XXXX XXXX of XXXX XXXX, maintenance of AC unit is owner responsibility ( copy is attached ). 
I sent letter to the Board of Directors, no reply. 
Therefore, I believe that XXXX placed unauthorized charge on my account for unauthorized service
Product: Debt collection

This collection agency has recently been reaching out to me regarding " my account '' and how to fix it. I do not have collections with this account, nor have I provided them with any personal information. They have sent numerous e-mails as well that are stating they are trying to collect money owed to NETCREDIT, however, according to my credit report ( all credit bureau 's ) the collections were not sold to this company nor was my permission for personal information ever given to this company. In these e-mail they give phone numbers to call and when searched, they have no affiliation with the company, they are spam numbers. In the e-mails they will attach a document with " your information '' but will not let you open the document until you enter the last 4 of you SSN, which seems very shady. They will call off of unknown number with your state 's area code to prompt you to answer and also harass your family members/work. I have blocked their e-mails but we have not had luck with their calls to stop. I have attached the most recent documents containing this information. 

Numbers they have contacted me/my family members at include : XXXX XXXX XXXX XXXX - contacted my mother and my work XXXX XXXX XXXX XXXX XXXX XXXX contacted me, my father, and my step mother XX/XX/year> ( most we have already deleted, but these are most recent ) Numbers they have left for contact : ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.