23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Express Placed bogus fees and then withdraw unauthorized funds from the Auto pay of my Financial Institution. ( They double collected {$1200.00} twice, at first they claimed that I had it arranged but then they demanded it forcibly, brutally, with uncivilized manner and language ). They took away all My bonus points. Made my account unusable and are using Defaming practices! I am still fully current with all their deceptive and defaming plans. 
Then they complained that I did not pay them enough. 
Am Express XXXX XXXX XXXX Account Never been tardy since its creation in 1988!
Product: Bank account or service

Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.
Product: Bank account or service

I went to People 's United bank branch in XXXX XXXX XXXX on XXXX XXXX, the rep let a customer walk right up after the other customers and I were waiting for 20 minutes or more. All I did was ask how can someone just walk to the front of the line and a teller named XXXX said in a very nasty manner because another bank sent her here and I said she can just go to the front of the line. Well another bank sent me there I did n't just go to the front of the line. I then asked her why she was getting Nasty her tone was very rude, when another teller by the name of XXXX jumped right in our conversation and the rep at the business counter that was assisting the customer jumped in the conversation as well. I believe her name is XXXX it was hard for me to see her name tag. They were unprofessional arguing in front of other customers with me until another older lady in line came and told them she agreed with me. They started going back and forth with her as well. The customer then said I thought the customer was always right. I 've been banking there for over 15 years and I did n't deserve this treatment for asking a basic question nor did the other customer. I would like something done about this or else I will have no other choice but to stop doing my banking there or any other peoples bank branch. I hope to receive a response I 'm a supervisor in customer service and would n't dare to treat my customers in such a horrible manner. Maybe because no manager was there is why this happened since I have never experienced this before, there should always be a manger or someone there who knows how to treat customers. At least XXXX other people experience problems with the reps and they were all requesting a manager.
Product: Credit reporting

I have reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response.

Thank you
Product: Credit card or prepaid card

I received a phone call from someone stating I owed money on a MasterCard that I did not apply for. I'm assuming it was from a Collector for the amount of almost {$3000.00}. I also spoke to a woman in the Legal Department and she immediately asked me to confirm my social security number over the phone, which I refused and her attitude immediately changed and she became agitated. Both people I spoke with never identified themselves and I then became very suspicious. They told me I had 48 hrs or they were filing an Injunction.
Product: Credit card

A credit card was opened under my name that i had no knowledge of. I then reported to them that i never received this card or ever had it in my possession. How can it be possible they are charging me for a card i never received and to help me. This is fraud and i explained to them that i would like this investigated and account closed due to the lack of knowledge i had of this card. They kept forcing me to pay fees and make payments on a card i never had in my possession. They are extremely corrupt and unprofessional. I never got any help and this is affecting my credit because Im a victim of identity theft and they were of no help to my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an XXXX XXXX XXXX XXXX XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. 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: Debt collection

Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in  fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased lights with my XXXX XXXX Credit Card which is backed by Chase Bank. I made the purchase XX/XX/XXXX. I had issues with Chase so I closed my account, ( paid in full ) around the first part of XX/XX/XXXX. The lights did not work so I returned them. I called XXXX today, XX/XX/XXXX to  find out what happened to my refund and was told it went back on to my account that no longer exist. I have been on the phone with Chase and XXXX for 57 minutes today and my problem has not been resolved. Neither have decided to refund my money.
Product: Checking or savings account

Im trying to locate my Keybank account for my benefits but i can get to the right person to help me
Product: Debt collection

I am filing a complaint against PYOD LLC regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : XX/XX/year> : The collection account was opened by PYOD LLC. 

Nature of Contact : PYOD LLC initiated contact regarding the collection of the debt. 

Frequency of Contact : PYOD LLC has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from PYOD LLC on a daily basis, sometimes as frequently as 3 times per day. 

Calls at Unreasonable Hours : PYOD LLC has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, PYOD LLC has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
PYOD LLC 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from PYOD LLC have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and anxiety. 

Abusive Language : During communication attempts, PYOD LLC agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : PYOD LLC has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 
15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq., debt collectors are prohibited from engaging in any false, deceptive, or misleading practices inthe course of debt collection ( 15 U.S. Code 1692e ) .3. **Violations under the Fair Credit Reporting Act ( FCRA ) **The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., requires that consumerreporting agencies adhere to reasonable procedures to ensure the utmost accuracy of information pertaining to individuals in their reports ( 15 U.S. Code 1681e ( b ) ) .4. **Identification of Specific Inaccuracies**I have meticulously identified several inaccuracies on my credit report, including but notlimited to incorrect names, erroneous account information, inaccurate account histories such as incorrect dates of opening, inaccurate high credit amounts, erroneous credit limits, inaccuratelast payment details, incorrect comments, flawed dates of last activity, and inaccurate lastpayment dates : These inaccuracies listed below are not only misleading but also damaging to mycreditworthiness and reputation.5. **Illegally Reported Accounts**Pursuant to 15 U.S. Code 1681i ( a ) ( 2 ) ( A ), upon my dispute of the information, thecredit reporting agency is required to notify the furnisher of the disputed informationwithin five business days. The furnisher then must conduct an investigation and reportthe results to the credit reporting agency. **Demand for Correction**6. **Failure to Correct Information**Despite my disputes, the aforementioned inaccuracies remain on my credit report, indicating that either the furnisher failed to conduct a proper investigation or the creditreporting agency did not fulfill its duty to ensure maximum possible accuracy.7. **Legal Action**Failure to comply with these demands may result in legal action against the creditbureaus and the furnishers of the incorrect information under both the FDCPA andFCRA. I reserve the right to seek any and all remedies available to me under the law, including but not limited to statutory damages, actual damages, and legal fees.8. I hereby demand that the credit bureaus [ XXXX, Equifax, XXXX ] Immediately investigate these inaccuracies and correct or remove theerroneous accounts from my credit report. This demand is made under the authority of15 U.S. Code 1681i ( a ), which obligates the credit reporting agencies to correct ordelete inaccurate, incomplete, or unverifiable information.
Product: Vehicle loan or lease

Disputed Incorrect Information 15 USC 1681i s-2 15 USC 1681 SEC 5
Product: Mortgage

Subject : Billing Error Notice and Civil Liability Claim Dear Navy Federal Credit Union, I sincerely hope this letter finds you well. I am writing to inform you about a billing error that I have recently identified in my Navy Federal Credit Union account. It has come to my attention that your institution has failed to comply with specific legal requirements, including [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. As a result, I firmly believe that Navy Federal Credit Union is civilly liable to me under 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( 6 ).

Upon reviewing my consumer report, I have discovered a mortgage transaction receipt dated XX/XX/XXXX which indicates that a transaction has taken place without my authority or knowledge. To the best of my understanding, I have not received any benefit from this transaction. Such actions are a clear violation of the aforementioned regulations and safeguards designed to protect consumers like myself. 

I kindly request that Navy Federal Credit Union undertakes a thorough investigation into this matter promptly. It is imperative to rectify this billing error as a matter of urgency. I am providing you with this formal notice, as required by law, explicitly referencing the violations of [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. 

Attached herewith is supporting documentation that serves to highlight the discrepancy in my mortgage transaction. Additionally, I have outlined the specific provisions of the laws and regulations that Navy Federal Credit Union appears to have violated. 

I trust that Navy Federal Credit Union will treat this matter with the utmost importance and take immediate action to rectify the error. Please be reminded of the potential penalties that may be imposed upon creditors for non-compliance with their legal obligations under 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( XXXX ). 

In accordance with the provisions of the aforementioned regulations, I intend to assert my rights and seek adequate compensation for any damages resulting from this violation. Therefore, I kindly request that Navy Federal Credit Union promptly address this issue and provide me with appropriate compensation for the inconvenience and potential harm caused to me and my public reputation. 

I genuinely value the importance of cooperative resolution and hope that Navy Federal Credit Union shares the same commitment to ethical and legal practices. I kindly request your immediate attention to this billing error notice and civil liability claim. 

Within 5 days, please provide an acknowledgment of receipt of this letter and keep me informed of any progress made towards resolving this issue. 

Thank you for your swift attention to this matter. I trust that Navy Federal Credit Union will make a diligent effort to achieve a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

They said that I have a 60 day late payment in XXXX, which is not true. Ive been paying my payments on time. I disputed it and I never got a response It was just ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, Equifax and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Product: Checking or savings account

I am writing to formally address an issue with my CitiBank XXXX XXXX ( XXXX ) account, as I have been unable to access my funds since XX/XX/XXXX. 

In XX/XX/XXXX, I was instructed to complete a transaction to my account. Accordingly, I deposited funds ; however, this deposit was not recognized as a valid transaction. At the time, my account 's associated debit card had expired, and I did not receive a replacement card, which prevented me from completing an alternative transaction. 

In early XX/XX/XXXX, I received a letter requesting a notarized statement to verify my information in order to unlock the account. I promptly sent the notarized letter to the designated address in XXXX XXXX, XXXX, on XX/XX/XXXX, and XXXX tracking confirms it was delivered on XX/XX/XXXX. 

Since that time, I have been making weekly calls to CitiBank 's customer service team for updates and assistance in regaining access to my funds. Despite my persistence, no progress has been made, and it is now XX/XX/XXXX. Each time I speak with a representative, I am told that the matter has been referred to the back office for follow-up, but I am informed that there is no direct line to contact them for updates. 

This prolonged delay and lack of resolution have caused significant inconvenience. I kindly request your immediate attention to this matter. Please provide a concrete update on the status of my account and an estimated timeline for unlocking the funds. If additional actions are required on my part, do let me know promptly. 

Thank you for your time and understanding. I look forward to your prompt resolution of this issue.
Product: Checking or savings account

I am XXXX. My husband died 2 months ago. I have been in financial and emotional distress. 
Last week when I went grocercy shopping my payment was declined.My daughter was with me and paid for my groceries. 
When I got home, there was an email from the bank saying that they did not pay a check because of insuficiant funds. In that same email they stated that I had a balance of {$2900.00}. 
Never did I receive any info that my account was a victim of fraud! 
I called and sat on hold for 25 minutes. My daughter thought that there was just a mistake and I hung up. We rethought and redialed and waited another 25 minutes only to find that my account was on hold ( frozen ) with no other explanation. We were to get a call back to speak with someone else. 
In speaking with someone else, we were told that my daughters name was never added to my account after we mailed in the papers they requested so she can not help me. 
The next day we called again and sat on the phone with someone for 35 minutes only to find that a XXXX XXXX XXXX had been added as a coowner on my account. I have no idea who this is or how they got in to my account. 
The banks fraud department is working on it but no one will acknowledge that they made a mistake. No on will tell us how this persone got on my account. In addition, I am jumping through hoops, my daughter is driving me all over town to confirm I am who I say I am. If they would have done this to begin with someone else would not be on my account! 
Thank you Bank Of America for making my life harder than it already is.
Product: Bank account or service

I set up recurring bill pay with Citibank through my checking account to pay my cable bill every month. In XX/XX/XXXX, I went in to Citibank branch and asked verbally and in writing for the recurring bill pay to stop as I was about to move XX/XX/XXXX. I thought that giving them XXXX weeks notice would be sufficient. 
Citibank, however, failed to put through the request. In XX/XX/XXXX, XXXX months later, the cable bill amount was still being deducted and sent to AT & T. I was no longer living there and the new tenants were having a difficult time setting up their cable in their names as I was still being charged cable for that apartment. 
I have spend countless hours trying to resolve this. Citibank says I need to deal with AT & T, but AT & T says I have to take up the issue with Citibank. They each claim the other is responsible for returning to me the money. I have spent hours on the phone and in person with both companies and now have no idea what to do.