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

On XX/XX/XXXX, I received several text messages from Paypal 's fraud department asking if I was attempting to make a payment of XXXX. Paypal also sent me emails indicating that there was unusual account activity. I denied those messages TWICE as they were clearly unauthorized transactions. I changed my password both times. Later that morning I got an email saying the XXXX was authorized and completed and also that a monthly automatic payment had been established with the vendor!

I immediately disputed the charge as unauthorized and ended the billing agreement with the vendor. For whatever reason, Paypal DENIED my request for a refund and indicated that it was not unauthorized activity. I was confused by that because 1. The item was being sent to a person and address that was not associated with my account and 2. Paypal is the one who notified ME of unusual activity via text and email. 

I spoke with XXXX at customer service around XXXX who said the case was denied because I " selected the wrong case reason '' which is completely untrue. They claimed to reopen it with the correct case reason but now it reflects that " I didn't get my merchandise ''. She said they will be looking into the fraud but I still don't know if I will be receiving a refund. I am definitely concerned that there is a bigger problem here with a Data Incident breach as these cases usually can not be reopened or appealed.
Product: Mortgage

XX/XX/XXXX, I called freedom mortgage because I noticed on my credit report they reported me 30 days late for months of XXXX and XXXX. I had paid my previous amount on time, but the escrow account had increased which made me around XXXX short. I was never notified of this increase or that I was 30 days late. I have never missed a payment or been late. 

When I talked to customer care she notified me a notice for the increase was mailed to the home the loan is for. ( XXXX XXXX ). I had her update the address to my mailing address were I reside. ( XXXX XXXX ) This same issue happened in XXXX when they mailed a check for an over balance to my escrow account. I have a message saved on their server saying they updated the address, however the lady told me it was not. She then updated it. 

I sent all this information and documentation into Freedom mortgage and they said they were accurate to report the 30 day late. Which I agree, a portion was late, but not due to any fault of mine. 

I called again XXXX, and talked to a lady that said I should have seen this on my statements. I asked her were they are and she said I should get an email monthly that reminds me to login and check it. I notified her that in the 7 years with them I have never received this email. She disagreed with me and said I did. I asked her to send a test email so I can verify i'm getting emails from them and she refused. 

I called back and talked to another lady, who helped a bit more, she sent me a password reset email, and that did come through. I asked her what the difference was between were the emails come from and she didn't know, and had no idea who to forward me to. 

They have something wrong in their system with my email, and are not willing to help fix it. I had disenrolled from their paperless service to avoid this again. The fact still remains that the notice they mailed the old fashion way, was sent to the wrong address and it was the same issue I had to get fixed the year before. They just didn't care because last year it was a check to me.
Product: Checking or savings account

Friday, XX/XX/2018, I received a deposit/credit from a merchant for {$35.00}. Navy Federal transferred that money from my checking account to one of my credit cards, without my permission. I am days behind on the card, but blocking me away from my  checking account is absurd, especially this being my first time. I haven't had any income for months now and I tried to get help before it got to this.
Product: Student loan

My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.
Product: Money transfer, virtual currency, or money service

This complaint is against Solidifi XXXX XXXX XXXX  XXXX  bsolutely terrible customer service. I am finalizing a cash out refi and my lender has been great, but Solidifi is terrible. The Truth in Lending Act mandates a 72 hour period in which I as the borrower am allowed to cancel the contract. So I understand that the funds cant be dispersed until the 4th day after closing, but this also factors in Saturdays. So I closed on XX/XX/XXXX. It is now XX/XX/XXXX, and the funds have not been dispersed. I have little confidence that they will disperse the funds within the lawful period of time and I am worried my previous lender will give me a derogatory mark on my credit report. I have tried calling several times today and have waited on hold for over 30 minutes each time totaling to over 2 hours of hold time. I am literally on hold right now as I am writing this review. As a consumer and someone who has owned multiple businesses, I am appalled with how little you care about customer service. You are in possession of MY money, and you're being paid for a service. If the funds are not dispersed TODAY which is the deadline in the closing documents that were signed, then I will be filing a complaint with the CFPB. This will most likely occur because it is now XXXX EST. I have been trying to reach them since XXXX EST. They don't even provide an email address to contact them, or offer a call back option. I have worked with smaller title companies in the past, and they usually have a reception desk capable of answering a call within 30 seconds. Had I known this is what would occur working with Solidifi, I would have told my lender to work with a different title company. The closing documents specifically state that the disbursment date is XX/XX/XXXX. documents available upon request.
Product: Credit reporting or other personal consumer reports

I have requested all original documentations. That is pertaining to a debt that is being reported on my TransUnion credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Transunion credit report. I sent the letter on XX/XX/year>. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/year>. 
It's been well over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.
Product: Checking or savings account

I am filing a complaint regarding the unexplained closure of my business account with Bank of America, which I have held for several years. On XX/XX/year>, my account was closed without any prior notification or explanation provided by the bank. Despite reaching out to the bank to inquire about the reason for the closure, I have not received any meaningful response or clarification. 

Details of the Issue : Account Closure Date : XX/XX/year> Bank Name : Bank of America Actions Taken by Me : I have contacted Bank of Americas customer service on XX/XX/year> to request clarification on why my account was closed. However, no explanation was given, and I was told that the reason for closure could not be disclosed. 
Communication from Bank of America : No notification, warning, or explanation was provided to me prior to the closure of the account, which I found extremely concerning and frustrating. 
Account Usage : I had been using the account regularly for business transactions and had not encountered any issues or violations related to the account.
Product: Credit card or prepaid card

If I can get a timeline for resolution and a personal contact to follow up with through email I will let the complaint be closed. If that can't be done I will leave a complaint open start and start pursuing other avenue to get a resolution to this. Including but not limited to contacting my congressmen, finding personal messages to American Express employees and forwarding this to my attorney. 

It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express XXXX We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX
Product: Debt collection

Collection account added to credit reports by Lvnv Funding in XXXX of XXXX. For the amount of {$2700.00} I never received any type of communication from Lvnv or its partners regarding said collections account, prior to notification from credit bureau alerts of negative report added. 

Disputed via XXXX in XXXX which yielded no change even tho they are required to obtain proof of items legitimacy or remove account. Never provided with any documentation from either entity of legitimacy or proof of debt. 

Lvnv funding and its affiliates are in violation of fair Credit reporting laws under Regulation F. Re : passive collections clause. By reporting a collection account without notifying the consumer. 

XXXX, XXXX, and XXXX are in violation of credit protection laws by failing to validate and provide proof of validation of collection account legitimacy upon dispute. 

On XX/XX/XXXX, text message from XXXX XXXX XXXX agency regarding a collection account for Lvnv Funding. A letter disputing account has been sent with no reply as of the submission of this complaint.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from Cap One Via Dealer on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ally financial isnt reporting XXXX XXXX isnt reporting XXXX isnt reporting my XXXX XXXX XXXX card isnt reporting my XXXX XXXX isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Product: Debt collection

Do not owe this company anything, requested validation and nothing received. Please help AD Astra Recovery XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX* Date opened XX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$38000.00}XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$22000.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$950.00}, XXXXXXXX XXXX XXXXXXXX Date opened Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX XXXX XXXXXXXX. XXXX Date opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}, XXXX XXXX XXXX ( Original creditor XXXX ) XXXX XXXX opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$230.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1300.00}, XXXXXXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$320.00}, XXXX XXXX  ( Original creditor XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1600.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$9400.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

I opened an account with Chase Bank in part because of a promotion which, after meeting certain conditions including a regular direct deposit, the account would be credited {$200.00}. When I noticed the promotional credit had not been applied after the second direct deposit, I contacted the bank via their secure message feature in the Chase XXXX app. The first person who answered the e-mail indicated that she was not able to apply the coupon code. Although I had not done anything wrong, she indicated that she was unable to credit the account. After replying back and requesting an escalation, I was told to contact Chase at their 800 number. I dialed in on several occasions but no person I spoke with seemed to be aware of the promotion or how to address the issue. 

I have attached the e-mail promotion to this complaint, but it appears that the bank is engaged in a bait-and-switch to have my business but fail to follow through on their promotional offer, acting in bad faith. Multiple requests to speak with a customer service supervisor, offering to send copies of previous communication and a copy of the offer to the customer service representatives which whom I spoke, were all declined.
Product: Credit card or prepaid card

I originally paid a deposit of {$810.00} then the remaining amount of {$3200.00} on XXXX XXXX, XXXX to XXXX for a trip to XXXX and XXXX that was cancelled right before the trip was to begin the end of XXXX, XXXX due to the Corona virus. The money was held by XXXX and the trip was rescheduled to leave this XXXX XXXX XXXX, XXXX. In XXXX I was in contact with my agent at XXXX concerning a flight change when suddenly there was no reply from him. Phones were constantly ringing busy, no answer to calls, text, mail or e-mail. I was able to contact someone at XXXX who had booked the flights portion of this trip and he told me that XXXX had gone out of business on XX/XX/XXXX. He provided me with the travel partners in XXXX and XXXX who were supposed to continue with my reservations. From them I found out that there was no money paid to either of them by XXXX and I would have to pay in full a second time if I still wanted to go on this trip. I contacted my credit card company, Capitol One. At first they gave me a credit for {$3200.00} of the amount. A couple months later they rebilled me for this amount and wanted more documents. I have faxed, mailed and emailed them the same documents four times and now, many months later they are telling me they can not do anything because it has been too long. They want me to deal with the merchant. It is impossible to deal with a merchant who does respond to any form of contact. I was going on this trip with a friend from XXXX who paid the same amount I did and her credit card company was XXXX XXXX  and they refunded the {$3200.00} to her permanently. We both made our payments at the same time. I feel like Capitol One kept me sending documents for a long time so that they could say the time had been too long and they were not able to resolve my case.