23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX, then Marketing Director of XXXX XXXX, advised me that he could have my book, XXXX XXXX XXXX XXXX, just published by XXXX, republished outside of the US and distributed to foreign countries, He told me not to tell XXXX. On XX/XX/XXXX, XXXX guided me through the process of using my XXXX credit card ending in XXXX ( now defunct ) to set up a PayPal transfer to XXXX XXXX XXXX for {$5000.00} to cover the cost of printing 1,000 books outside of the US. Then on XX/XX/XXXX XXXX directed me to make 2 payments via PayPal to XXXX for the printing of an additional 1000 books, in the amounts of {$5000.00}. and {$1200.00}. The next day, he instructed me to pay {$300.00} to cover the cost of shipping those books via PayPal to XXXX. I have no evidence whether those books were printed or distributed. Efforts to gain information from XXXX   XXXX XXXX led no where. If they were not published or distributed, I want PayPal to return the {$11000.00}. 

A few weeks later, XXXX XXXX told XXXX and me that he thought he could arrange for me to make a personal appearance on the XXXX XXXX show on XXXX. We greeted that news enthusiastically. On XX/XX/XXXX, XXXX told me that the cost for that appearance would be {$30000.00}. to be paid in three {$10000.00}. installments. I assumed that XXXX was aware of this but I didn't consult with them about it. XXXX instructed me to set up a second PayPal account, using the same XXXX Credit card and then he guided me through the process of arranging for the Transfer of {$10000.00} from that Credit Card through PayPal to XXXX. 

A third scheme was proposed by XXXX XXXX. He wanted to place a full page ad in the XXXX XXXX XXXX for the book, XXXX XXXX XXXX XXXX. When I said the full page ad exceeded the money I had available, he proposed a half page ad for {$10000.00}. When I agreed on XX/XX/XXXX, he walked me through the process of charging {$10000.00}. to my XXXX Credit Card to pay XXXX through PayPal. 

On XX/XX/XXXX, XXXX XXXX said he had secured two possible dates for the XXXX XXXX XXXX and that another payment of {$10000.00} was necessary to secure them. Again, he walked me through the process of charging {$10000.00}. from my XXXX Credit card account to XXXX via PayPal. 

on XX/XX/XXXX XXXX requested another {$1500.00} and assisted me in the transfer via PayPal to XXXX. 

Finally, in XX/XX/XXXX, when XXXX XXXX sought to extract more money from me, I contacted XXXX and charged him with extortion, fraud and misrepresentation. I spoke with XXXX XXXX and her manager, XXXX XXXX. They told me to fill fraud charges with XXXX and to contact PayPal. XXXX initially accepted the XXXX charges and then rescinded their decision since I was a party to the payments. They were uninterested in the fact that I was defrauded and misled. 

I filed a complaint with PayPal but they only had the last several charges listed and nothing happened.
Product: Student loan

FERPA Laws were broken and I was not aware my information was sent to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main continues to call and harrass me. Fraudulent access to my credit file. 
never requested a loan. several inquiries on my credit report. spoke with XXXX. and XXXX. l
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

I am writing to formally remove an inquiry listed on my credit report. I believe that this inquiry is inaccurate and unauthorized.
Product: Student loan

1. Mohela has a VERY unreliable auto-pay system and in my opinion is an incompetent student loan servicer. 

2. This is at least the XXXX time I have had to setup auto pay on their site after getting a late loan notice because their autopay did not preform the auto withdraw request, despite receiving email confirmation that autopay was setup each time I performed the enrollment. I received email confirmation from Mohela that auto pay is set successfully on XX/XX/24, XX/XX/24, XX/XX/24 and XXXX. But despite all of these their confirmations they have not reliably auto-withdrawal and send me late payment notices. 

3. This is damaging my credit report by showing late payment for payments that Mohela confirmed would be withdrawn on time via their autopayment from my bank account. My bank account for autopayment has not had any issues or concerns related to overdrafts that could affect auto-withdraws. 

4. I was promised by Mohela that I would receive an interest rate reduction for setting up auto-pay. I see no evidence that Mohela has honored this policy. I want their proof of record that they have honored this starting back in XX/XX/24 when they first confirmed that my autopayment was set successfully. 

In summary Mohela is in need of major corrective action. They are not providing a reliable service when it comes to honoring autopay arrangements, they have not provided any evidence that they have honored our interest rate reduction agreement. They are creating late payments on my credit report by not reliably supporting their own autopayment system. This is not fair to all the student loan barrowers. I have read may issues from other student on XXXX and other platforms. I am seeking compensation and retribution for failure of their agreement and damages I have encored.
Product: Credit card or prepaid card

Hi & happy Saturday again, I'm not sure where to bring this issue to!!! I was going through my credit report from the credit report agencies and credit monitoring sites and I've challenged this inaccurate information with departmental store BestBuy because there is an unknown late payment on my report from XX/XX/2017 30 days late payment. How is that possible? 

I have an impeccable credit profile and this is really stressing me out and I can not have accurate information/RESPONSES and proof back this company. I send out a letters as shown to the company for in-depth verification on that late payment and asked if they can not prove I was actually and factually late - then I need it to be updated as paid as agreed and NEVER LATE. Please change that.
Product: Credit card or prepaid card

Hi, my dispute goes back over a year which I am trying to get this resolved and it keeps getting pushed and not resolved by American Express, I made 7 orders with XXXX all for the same amount of {$2400.00}, after XXXX shipped the orders XXXX requested the shipping company to return the items to XXXX, therefor the items were never delivered to me but instead delivered back to XXXX, but here started the problem that XXXX didn't refund me for these orders, when I tried to dispute some were approved while the last one keeps getting closed since American Express sees identical charges refunded so they consider this as a refund for the disputed charge which in fact is a different charge which was never refunded neither by XXXX nor by American Express, as many times as I tried to explain that I kept getting denied for that reason, my last dispute Inquiry Ref. No. : XXXX I actually got a letter dated XX/XX/2019 from American Express saying that they closed the dispute in my favor, but to my shock I never got a refund for this charge, this is not acceptable that American Express refuses to resolve this once and for all
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.
Product: Debt collection

I am writing to formally report a fraudulent debt that has been placed under my name. Southwest Credit Systems is attempting to collect {$560.00} for an alleged XXXX account. However, I have never had an account with XXXX, and after contacting them directly, they confirmed that they have no record of any account associated with me. 

Given that this debt is fraudulent, I request that you investigate this matter and take the necessary steps to correct any inaccurate reporting. Specifically, I ask that : This fraudulent account be removed from my credit report if it has been reported.

Any associated negative impact on my credit score be reversed.

This matter be properly documented to prevent further fraudulent activity under my name. 
I have attached any relevant documentation, including my written dispute to Southwest Credit Systems and my communication with XXXX Please let me know if you require any additional information to process this claim. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This does not belong to me. 
XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting or other personal consumer reports

RE : XXXX In accordance to 15 USC 1681 ( 7 ). 1 requested to see the description of what happened during the reivestigation. What was the method of verification was used. The company name, name of person, title, phone number conducting the investigation. I never received any copies of documentation during the 15 days. The Credit Reporting Agencies have to conduct a personal interview with family members, neighbors and friends in order to validate any debt by FCRA law. The Credit Reporting Agencies can not rely on information from a third-party that do not have first hand knowledge of transaction on report. None of the Credit Reporting Agencies did not call me or send me a letter to validate these debts. Which is another violation of the FCRA law. Company law does not Trump Federal law. The Credit Reporting Agencies is not adhering to the FCRA laws. I have sent in everything possible and they are still ignoring me.
Product: Debt collection

XXXX XXXX Solutions is attempting to collect on cable bill debt that was removed from  XXXX XXXX Kansas that was the amount of XXXX in XXXX XXXX2019 Now they are making a false balance saying I owe XXXX I would like to have this debt removed from my credit thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

-- on XX/XX/2020 a check was issued by a company to my mother. 
-- My mother passed away soon thereafter. 
-- As her power of attorney, I deposited the check, electronically, to her Bank of America checking account on or about the day she died in XX/XX/2020. 
-- The check cleared the bank of the issuing company several days later. ( also from a bank of america account ) -- My mother 's bank account was locked by Bank of America as of the date of her death. 
-- A successor trust account was established during XXXX, 2020 ( a lengthy and difficult process due to the Covid restrictions ) -- in late  XX/XX/2020 Bank of America transferred the balance of funds in Mom 's original account to the new trust account. 
-- The amount transferred was short exactly the amount of the electronic deposit. 
-- Over the next several months I spent many hours on the phone with Bank of America who refused to provide any information on this deposit, refused to investigate, and refused to provide any avenue for resolving this matter short of going to court to compel their cooperation. 
-- The check issuer has provided me with an electronic copy of the cancelled check proving that the funds were withdrawn from their Bank of America account. 
-- I am seeking a return of the funds that Bank of America has fraudulently removed from my mother 's checking account, and any reimbursement for the many hours spent attempting to retrieve these funds from the bank.
Product: Debt collection

They are repeatedly calling me at all hours, then when I answer and request information they sit there breathing extremely heavily into the phone, and they do this multiple times a day. 
It's creeping me out bad. 
They have also hung up in my face when I have requested information just to call right back and do it again. 
This is exhausting and I'm tired of it and it's getting nowhere because they will not provide me any information whatsoever they won't even tell me what debt they're calling for or the name of their company. Sometimes they won't even speak they just sit there breathing heavily into the phone and hang up in my face when I try to speak then call right back. This is exhausting and it's literally getting nowhere they will not give me any information to try to find a solution.
Product: Credit reporting or other personal consumer reports

For the three credit bureaues to restore my credit, based on the third dispute letter I sent on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud and I recently I received a copy of my credit history report from Experian. That Report contained incorrect information reported by you. 
I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Mortgage

We received letter dated XX/XX/22 from BOA saying our escrow account doesn't include covering property taxes.We sent a response that day telling them the statement includes an escrow amount monthly of XXXX for taxes and insurance. The annual tax is XXXX The annual insurance premium is XXXX. Therefore BOA is escrowing for taxes. We advised them we were filing this complaint and asked them why they are deducting for real estate taxes and not paying the taxes. Since BOA is collecting taxes and insurance we told them they are responsible for paying the taxes totaling XXXX per annum. 
The monthly cost is XXXX per month. Now we get a response that BOA doesn't know who we are so we are filing this and sending another letter to them so they can't ignore our complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Checking or savings account

Got an email out of the blue stating there was unusual activity on my account and to contact them, I contact them and they didn't give me any answers and simply stated I'm not eligible for the account, after using it consistently for years and refuse to give me an answer.
Product: Credit card

I am writing to file a formal complaint against Capital One Bank regarding their failure to provide me with a 1099-C form for a debt that they charged off. Despite my repeated requests, Capital One Bank has refused to provide me with the necessary tax document for the account they reported as charged off on XX/XX/year>. This failure to issue the required XXXX form is hindering my ability to properly address my tax obligations and comply with IRS regulations concerning canceled debts.

Additionally, Capital One Bank continues to inaccurately report my account as late on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605. This inaccurate reporting is misleading and damaging to my credit, as it misrepresents the actual status of my account after the charge-off. 

I have made numerous attempts to resolve this issue directly with Capital One Bank, but they have failed to provide the necessary documentation or correct the errors in their reporting. As such, I am seeking your assistance in resolving this matter.
Product: Mortgage

Bought out my mortgage from XXXX 

Added back a escrow amount that was dismissed from XXXX XXXX XXXX  back on my account. 
Now trying to foreclose on a loan that I a am current on and the company 's obusmen department has also dismissed. 
I have a recorded phone conversation that I recorded the same time they was recording. 
This company tried to remote access my computer while talking to me about this and delete the phone conversation. 
When I realized that was what they was trying to do. I inform them that the phone conversation is burned on a CD in my safe and they just laughed at me. 

Now trying to foreclose on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone number called XXXX XXXX ) XXXX WED XX/XX/XXXX. XXXX refused to help.or give me any helpful information about there company or what they do are doing with my credit. I called several times and was just hung up on once they realized who I was. The only information that was given by the company was that they had every right to pull my credit but then said if I don't know who they are already they won't give me ANY more information about my referenced " account '', who they are, what they do, where they are or any more help at all. The only name I got was supposedly a supervisor named XXXX and the company name is XXXX XXXX. But on my credit report the company name is XXXX XXXX in XXXX Arizona, XXXX XXXX XXXX, Zip XXXX. It took me over an hour an a half to get this much information. All representatives I spoke to treated me hostility, the first demanding financial information from me to continue to speak with her but refused to tell me what it was for. 
Report was pulled XX/XX/2021. 

I still am not sure what this company is or does it why they pulled my hard credit report in the first place. I am also not sure as to there real location or why I have two names for.the company. 

Thank you for your time and looking into this.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, personal loan, or advance loan

I was using the XXXX XXXX website to try and apply for personal business loans. I provided my email address and contact number. I clicked a link to apply for the Discover card personal loan. I received a message from XXXX XXXX who stated he was calling from Discover personal loans and that he was a loan agent. The message stated my loan had been successfully qualified. I called back XXXX and I provided my bank account number and routing number. The agent asked me for my user id and password to my bank account. I hung up and called the XXXX number for discovery. They stated they did not have an application for me. Before disconnecting he provided me with what was supposed to be his supervisor XXXX XXXX XXXX.
Product: Credit card

1. 15 U.S.C. 1692g - Validation of Debts : * Your company failed to provide me with proper validation of the alleged debt within the required time frame.

* I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information.

2. 15 U.S.C. 1692c - Communication Restrictions : * Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information.

* I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA.
Product: Checking or savings account

I sent money from my checking account by XXXX and the money never got to the person. XXXX tell me to call the bank and the bank transferred me to XXXX. Now when I call SunTrust bank all I do is stay on hold and they never answer the phone.