23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company who handles the PA XXXX payments is claiming that they are entitled to take a {$30.00} return fee if the Payment for XXXX services is returned. However, they attempt taking the payment multiple times if it's returned within a few days each time. This to me ( and others ) is a scam. This company should be shut down immediately and PA XXXX  should be forced to process payments independently. The company is also alleging that this is in the terms and conditions on the PA XXXX  website, however, these terms and conditions never mention that this company is contractually taking these payments.

Per the phone conversations with " Global Payments '', they claim that the Terms and Conditions articulate that a return fee will occur in the event that a payment is returned to them. Upon re-analyzing these Terms and Conditions, I've found that to be outright deception. 
XXXX XXXX XXXX Global Payments reversed the {$30.00} fee after I spoke with them over the phone, however, I will warn you that this company being a 3rd party company taking and initializing payment distribution is an apparent conflict of interest, so the PA XXXX  has no control in their own lottery with respect to online gaming. 

This needs to be investigated big time.
Product: Credit card or prepaid card

hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it is more than XXXX $ of transactions that the credit card company is refusing to credit back
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Portfolio Recovery : # XXXX, XXXX XXXX XXXX : # XXXX and # 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, # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.
Product: Checking or savings account

They closed my account and had me paying overdraft fees and my account was hacked and I provided all information they requested and still was charged fees for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act. In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor.

You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

The school obligated me into a contract when I was a minor. I want the debt removed from my credit bureau and forgivin since a minor can not be put into a legal binding contract.
Product: Student loan

I submitted an application back on XXXX XXXX for discharge of my private loan. Per an email, that was received from Navient on XXXX XXXX informing that I could qualify based on school misconduct. However, I received a denial letter on XXXX XXXX saying that I didnt qualify. However, I supplied documentation showing that my federal loans were discharged with XXXX XXXX. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the lawsuit for school with misconduct.
Product: Mortgage

In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.
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 XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$550.00}, XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX
Product: Debt collection

REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST
Product: Checking or savings account

I'M HAVING A PROBLEM WITH BANK OF AMERICA REGARDING MY CHECKING ACCOUNT, ROUTING NUMBER XXXX CHECKING ACCT XXXX ON THE AFTERNOON OF XXXX XXXX PRIOR TO CLOSE OF BUSINESS DAY, I DEPOSITED THE ATTACHED CHECK FROM MY OTHER BANK XXXX LOCATED .25 MILES AWAY FROM B OF A.THE MACHINE PUT A HOLD ON THE CHECK FOR 9 DAYS.THE CHECK PAID THAT NIGHT AROUND MIDNIGHT ( THE FUNDS LEFT MY XXXX ACCT. ) SATURDAY XX/XX/19 RIGHT NOW THE FUNDS ARE STILL ON HOLD, NOT SHOWING IN MY AVAILABLE BALANCE.THE ACCOUNT ONLINE HAS NOTED THAT THE FUNDS WILL BE AVAILABLE ON XX/XX/XXXX AT XXXX. 
I SPOKE TO BOFA BANK MGR AT MY BRANCH, I SPOKE TO BOFA CUST.SERV. IN SO CAROLINA, I SPOKE TO BOFA FRAUD DEPT ... ALL WITHOUT RESULTS.I WAS TOLD BY SO.CAROLINA C.S. THAT ONCE BANK OF AMERICA HAS THE FUNDS THE HOLD WILL BE RELEASED.I WASN'T BORN YESTERDAY AND I KNOW THAT THIS CHECK HAS ALREADY CLEARED THE FEDERAL RESERVE AND BANK OF AMERICA HAS THE FUNDS. 
I BELIEVE THAT BANK OF AMERICA IS IN VIOLATION OF BOTH THE SPIRIT AND LETTER OF THE LAW REGARDING DODD-FRANK AND CHECK CLEARING.
Product: Credit card or prepaid card

I made a large payment ( thousands of dollars ) to my Capital One credit card by accident. I was using an online bill pay tool from my bank and clicked on the wrong payee. I noticed right away that I had made this payment in error, and I called Capital One that same day. Capital One told me to hang up and call my bank. I did so, but the payment had already been processed by the bank, and the bank told me that I'd have to request a credit balance refund from Capital One. I called Capital One back and they told me that they could issue a refund as soon as the payment cleared. 

That was several weeks ago. Since then, I have been on several hours-long telephone calls with Capital One trying to get my credit balance refunded. Each time, the person I speak with tells me that I haven't submitted enough information. I have given them everything they've asked for. I have provided them with a bank statement showing that the erroneous payment came from my account, that I own the account, etc. But each time, they tell me it's not enough and they need more information. Now they are telling me that they need to speak with my bank, but they can't hold for more than ten minutes and my bank has a hold time longer than ten minutes. I don't know what to do at this point. I also submitted a written request for a refund of my credit balance. It is a lot of money and I suspect that Capital One is intentionally withholding it from me for some reason.
Product: Checking or savings account

I contacted my bank ( Wells Fargo ) to report a fraud/scam situation I was involved in. They denied my claim after a couple days. The total amount of 15 transfers that resulted in fraud was {$15000.00} ( {$12000.00} from XXXX and {$3600.00} from XXXX ). 

I had sent a total of 15 transactions over a span of 3 months ( XXXX XXXX and XXXX XXXX ) to XXXX XXXX, whom I met on XXXX XXXX, to purchase vending machine locations. He reached out to me last week to admit he indeed scammed me and I would never be seeing my money again or any of the locations I purchased. I filed a police report with XXXX XXXX Police Department and a report with the FTC shortly after I found this out.
Product: Credit reporting or other personal consumer reports

T

o Whom It May Concern : I received a copy of my credit report and found item to be in error. Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. Your cooperation and prompt attention are legally required.
Product: Mortgage

Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I got hit with an inquiry from XXXX XXXX XXXX XXXX, and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with Credit Karma. Credit Karma tells you to contact the credit bureaus and then XXXX tells you to contact XXXX ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.
Product: Credit card or prepaid card

I had a dispute from buying counterfeit merchandise for " hydralic press ''. 
I had multiple disputes with XXXX due to counterfeit merchandise. When I spoke to the capital one disputes agent on the phone I told them to highlight all dhgate charges that I had an issue with. They did not highlight this particular charge for the amount of {$990.00}. Original date of charge XX/XX/2018. 

This is counterfeit merchandise and this issue should be taken care of the first time I tried to dispute these charges. After reviewing my statements at the end of the year I saw that the charge was never offically disputed, so I brought this to the attention of the Capital One dispute department. They told me that 540 days had passed so they could not do anything about the charge. Then they sent me a contradicting letter stating that I had to report this issue within 60 days. The original agent who helped me with all my XXXX disputes should be disputed this. I told them " please dispute all XXXX charges ''. Clearly they did not do their job correctly and I should be be responsible for this. 

All paperwork from dispute including my opinion, my receipt and 3rd party opinion were all sent in as requested by the Capital One Disputes department. 

The original dispute case number that was not handled correctly is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of XXXXXXXX XXXXall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Chexsystems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsystems and the financial institutions reporting collections/Charge-Offs, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original InformationOverview with the Internal Revenue Service against ALL entities involved
Product: Credit card

On XX/XX/2024 I made {$1.00} payment to a relative using XXXX. My CapitalOne Creditcard is linked. I was then charged {$10.00} for a cash advance. I called CapitalOne customer service for another problem in conjunction to this issue and I let them know during the call I did not make a cash advance or withdrawal but the representative told me that it is still considered a cash advance although I did Not get cash back. Couldnt reason with the person was told nothing could be done about the XXXX dollar fee although it was for a payment in the amount of XXXX dollar and XXXX cents. A few days later I also noticed a XXXX cent cash advance interest charge. So I was issued XXXX dollar fee plus XXXX cents interest ( XXXX ) for a XXXX dollar and XXXX cents ( XXXX ) payment ; not cash advance. I feel that is excessive and horrible business practice. Other consumers need to be made aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Product: Student loan

Nelnet payments known as campus commerce or student loan servicer is holding me responsible for {$290.00} monthly payments, as of XX/XX/XXXX on a balance term total of : {$1700.00} for the Fall XXXX semester. I made a down-payment with non-refundable processing fee on XX/XX/XXXX and one payment of {$290.00} on XX/XX/XXXX. I can not afford such large repayment ( s ), and I've let both the XXXX, ( XXXX XXXX College ) Campus : Students Accounts Office and Nelnet repayment plan offices understand this. I currently am in a student loan deferment to postpone payments until XX/XX/XXXX with NELNET, making many attempts to express of my inability to make any more payments. Senior Administrators at XXXX XXXX College recognize my hard work and persistence and commitment earning a semester average grade point that meets or exceeds 3.50. The XXXX College has also accepted my Intent to Graduate Application as of XX/XX/XXXX with graduation commencement on XX/XX/XXXX, but have put holds on mailing my Diploma. until payment of {$1100.00}, is received. With a still remaining Term balance amount of {$1100.00} for the Fall XXXX Semester, I've run out of explanation of how to get repayment to their offices, knowing I can not meet their demands for payment, can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I contacted XXXX   several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.
Product: Credit card

Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank.
Product: Credit card

Bank of America notified me they were closing down my credit and checking accounts due to a " business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. BOA essentially stole my reward points, still lists them as " available '' but not able to redeem because account is not open.
Product: Bank account or service

XXXX, Synchrony Bank, ( XXXX XXXX XXXX line ), took the class action settlement refund out of my account. They altered my credit line in order to regain the payment/ credit I received. Example Credit line was {$350.00}, posted credit for court settlement {$50.00}, then reduced the credit line to {$250.00}. Essentially taking it back the refund. Account in good standing, no missed payments, always on time etc. There seems to be no real good reason, from my standpoint, to reduce the credit line it has been the same for years with GEMoney bank the previous financial institution managing the credit service.