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

On XX/XX/XXXX I received a call and was convinced to purchase a vacation package from XXXX XXXX XXXX. Due to issues with obtaining my passport, I called to cancel the vacation on XX/XX/XXXX as outlined in the XXXX XXXX XXXX disclaimer. I spoke to a representative named XXXX and was told I would receive a refund in 5 to  10 days but never got it. After following up with XXXX and being ignored, I called my credit card company, XXXX, to file a dispute. On XX/XX/XXXX I spoke to XXXX at XXXX and he suggested I wait another 10 days and call back if a refund was not issued. On XX/XX/XXXX I filed a formal dispute with XXXX for the transaction in the amount of {$1300.00}. Attached are responses to my complaint from XXXX dated XXXX XXXX stating that they would not assist me even though they contacted the wrong company, XXXX XXXX XXXX, during their investigation. On XX/XX/XXXX I reached out to the BBB, followed their complaint process, worked with a rep named XXXX XXXX at XXXX and again received responses that XXXX will not assist me in resolving the matter. It is obvious to me that XXXX XXXX XXXX is using unethical business practices as they ignore calls, drop phone calls, do not respond to emails, and have an inoperable website that does not allow customers to make contact. However, I thought my credit card company, being the giant that it is, would provide better protection for consumers like myself who have done everything possible within the prescribed guidelines. I now question the business practices of XXXX.
Product: Prepaid card

My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.
Product: Mortgage

Franklin American Mortage Company did not pay our county taxes which resulted in late fees and penalities. They assured us that they would cover the cost of the fees, but in addition to their check they took the money out of our escrow account resulting in the county being over paid. The county refunded Franklin American Mortgage ( our money ) and now they are refusing to reimburse us the funds that were mistakenly removed from our account. We 've been working to resolve this since XX/XX/XXXX, which had resulted in over a 10 phones, countless hours of our time wasted and extreme frustration. Every call we make to them results in poor customer service and a belittling attitude -- not one person there has taken ownership to resolve this issue!!
Product: Debt collection

XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & XXXX.
Product: Bank account or service

I have had a number of business accounts with Bank of America for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Bank of America. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to " check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Bank of America of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual " yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Bank of America representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Bank of America. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and they could not find the account and said it was due to false information I told them are they sure wasnt my cousin who is known for this snd that is the reason Im under identity thief repair
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called to get more information about a Comenity account that was reporting on my credit report and the customer service agent asked for my SSN which seemed normal in order to locate my account but I NEVER GAVE HIM PERMISSION TO RUN MY CREDIT / ADD A HARD INQUIRY TO MY REPORT!!! Not profesional and misleading.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account : Original Creditor Name XXXX XXXX XXXX XXXX Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state. 
8. Your license numbers and Registered Agent or Agent of Service.
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 National Credit System # XXXX -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

MB FINANCIAL SERVICES # XXXX is still reporting incorrectly on my credit report with a balance. This account has been dismissed in Court and should not be on my credit report/
Product: Mortgage

Ocwen financial services claims simultaneously to have a loan with me ( despite my never having done business with them or having been notified of said loan ) and to have written off said loan with the IRS in XX/XX/XXXX. Further, they continue to insert themselves in a legal case I have against XXXX XXXX XXXX company regarding my foreclosure. Ocwen has claimed in a legal deposition that they are the current holder of an unsigned original, legally executed Note. XXXX has claimed that the holder of the note is the owner of the property. However, Ocwen appears to have discharged the Note according to the IRS. This Note was discharged previously by IndyMac Mortgage Services in XX/XX/XXXX ( which Ocwen is aware of as the evidence of this was shown to them at a legal deposition ). Ocwen appears to have applied a court ordered use and occupancy payment made out to XXXX to a loan ( number XXXX XXXX which Ocwen pretends to have with me. I have received no notification that any loan was transferred to Ocwen at any time, nor could this have happened since Ocwen was not ( and does not claim ) any involvement until long after a foreclosure had already taken place on the property. Further, Ocwen did not ( according to their own testimony at deposition ) become holder of any Note or Loan through the purchase of the assets of IndyMac Mortgage Services from XXXX ( or any other entity ), rather, they claim this happened as a result of XXXX giving them an original copy of a legally executed Note where it was held in a vault from the time of foreclosure. These very facts are in dispute in a court of law at the moment and the case is pending appeal. 
In filing a tax for claiming to discharge a note that they did not had and had been previously discharged, Ocwen is guilty of tax fraud against the IRS. In claiming to have a loan with me and/or attached to my property, Ocwen is committing fraud. If Ocwen is claiming to have a loan with me, I was never notified of this fact as required by federal law and I dispute any such claim. By assigning a payment to a loan which does n't exist, Ocwen is committing fraud, since they simultaneously claim that they discharged the debt last year and the check was not made out to Ocwen Financial it 's parent or subsidiary or related companies which constitutes check fraud. Further, Ocwen is violating the court order for use and occupancy, which they are not entitled to since they are not part of the legal action. Further, Ocwen is clearly conspiring with XXXX and is costing me money. Finally, Ocwen was previously notified of their tax fraud by registered letter, so they are already aware ( or should be aware ) that their behavior is inappropriate and likely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there where inquiries from identity theft reported on their on my equifax and my XXXX  and when i tired to have them remove it they wouldn't.
Product: Bank account or service

I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX {$4800.00}
Product: Debt collection

The company Kingston Data and Credit International Inc XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is trying to collect through a debt collector which means the debt is already paid for. This company is a debt collector using fraudulent debt collection practices act violating multiple violations. Thats includes : a 15 USC 1692 a ( 6 ) a debt collector. A debt collector that is 15 USC 1692 b ( 2 ) communicating through other uses of communication please cease and desist your fraudulent debt practices which is 15 USC 1692 e any other false, deceptive, or misleading representation or means of connection with the debt collection.

This company should be investigated for fraud 15USC 1692 e ( 8 ) threatens or communicated false credit information, including the failure to communicate that a debt is disputed. That includes sending mail postage letters with no return address on the envelope which is mailfraud and identity theft. The party has failed to respond to three notices sent back for them to respond and have not responded within the time limit postage mail certified w return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$32000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload XXXX credit Bureaus report and there is showing XXXX different names and account numbers. By the Law, account must report at least XXXX digits or numbers in credit report which are missing, In XXXX and Transunion is showing me issuer name is XXXX and XXXX showing XXXX credit, I contacted XXXX credit and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXX credit, now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in XXXX. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY XXXX CREDIT REPORTS ....
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I wrote a letter disputing this debt information on XX/XX/2019 after having receive threatening aggressive collection call for the first time on Saturday, XXXX XXXX about the debt. Second, I receive a letter from same company dated XXXX XXXX that was dated XXXX XXXX. I requested the company for valid proof. The company mails me bills and does not provide proof of a signed agreement or other verification that this bill was open by me. Which this bill is incomplete, incorrect and I do not owe this company I never established service with this company.
Product: Credit card or prepaid card

I made purchases for Mn XXXX XXXX Tickets on the XX/XX/XXXX and XX/XX/XXXX. The total of these purchases was {$3100.00}. 
Per the terms I should earn 2 points per {$1.00} on XXXX and Team Purchases. This is eligble on XXXX Tickets. 
Per the terms I should get 0 % APR for 6 months on my XXXX Ticket purchases from any participating XXXX team ticket office. 
When purchasing MN XXXX tickets this is the site ( XXXX ) that the team uses. Ive had this issue in the past and every time have to file a complaint or try get in touch with someone else to remove the finance charges on my account and get my double rewards. Its getting very frustrating. 

Id like assistance removing the finance charges from my account, and awarding me the double points on my account. 

I did write to the company they opened up a case for me XXXX but Ive gotten a denial letter in the mail. 

Ironically my brother ( XXXX XXXX ) has a this same XXXX XXXX Reward XXXX visa card. Did a complaint as well through their company ... And they APPROVED his! But not mine ; )
Product: Debt collection

i had complaint to the state of education about this? i dont know who is this third company COAST professional they have a XXXX XXXX XXXX XXXX XXXX LA XXXX. this company doesnt even say where its from. I have disputed this was cancel and i inform the state of educ. I have a XXXX  and there were no loan borrowed? all this was cancel and they wrote the wrong name. very unprofessional acct XXXX for XXXX. all this is wrong?? no school, no loans, this company is fraud. i spoken to XXXX. But i never borrow anymoney from them so how can they say i own them money. im not sure where this from .should be all cancel, no name, no endorse loans. I have a XXXX. this dedt company is trying to go around it because it was discharge. i never borrow any money and they have someones wrong information. i dont know if this is vocational or third party. I never took a test or sign anything.
Product: Debt collection

Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.
Product: Debt collection

I recently checked my accounts and noticed that mountain land collections had added a collections account under my name. When I was finally able to get through ( after they didnt answer my calls ) I was told that I owed medical debt. They claimed that they had been sending letters, however I have never received any of the supposed letters, Ive also never received an email, OR a phone call. Which is strange because all of the doctors Ive seen have had my contact information. The man I spoke to asked if I lived in Idaho because that is the address they had for me on file I have never lived in Idaho in my life. This all signaled to me that this is either a scam or they have the wrong person. After my phone call, the man subscribed me to their text message subscription without my consent for him to add me to that. I proceeded to unsubscribe from it, then write and mail a debt validation letter. I mailed a certified letter on XX/XX/year>25, and I have NOT received a response or validation of the debt. This morning, I got a notification that the alleged debt had INCREASED. This company has never sent me notification of the alleged debt, they have not validated it, they added me to their text service without my consent, and now they are increasing the debt in attempt to get me to pay them when they have not validated it.