23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases from XXXX XXXX XXXX contracted by Credova Financial , LLC which was assigned to XXXX XXXX for the total balance of {$2200.00}. This information was obtained from an installment contract received by XXXX XXXX on XX/XX/XXXX from CFPB complaint # XXXX. This debt is not mine. The address listed on the contract XXXX XXXX XXXX PL, XXXX FL XXXX is not my home address. I have lived at the home address at the top of this letter since XXXX ( A copy of electric bill from XXXX is attached ). Furthermore, the contract is electronically signed which does not show my signature or prove that I was the one signing the contract. I have filed an FTC Identity Theft Report for the company that shows this debt on my consumer report XXXX XXXX XXXX. I have also filed a police report with XXXX police department XXXX XX/XX/XXXX. A copy of that filing with case number is attached and once made available you will be sent a copy of the police report. A letter has also been sent to XXXX XXXX XXXX. 
In accordance with the Fair Debt Collection Practices Act, you are required to stop collection proceedings against me and stop communicating with me about this debt. You are to Cease and Desist immediately and dissolve me of this debt that has been fraudulently opened in my name. 
I may also remind you that failure to comply is a direct violation of my rights under the Fairs Credit Act and Fair Debt Collection Practices Act. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including
Product: Credit card

I have taken my car to XXXX XXXX for them to remove the old transmission  and install a new one which I supplied. I paid XXXX XXXX XXXX dollars for the labor to remove old transmission and install the new one. 
XXXX XXXX installed the new transmission incorrectly and they failed to replace the old seals with new seals and they installed a defective transmission fluid pan and gasket that leaks. So by them installing the transmission incorrectly and not replacing the seals that made the new transmission leak from all seals and I had to take my car to another repair shop who replaced the pan and gasket and I paid him XXXX dollars and I was informed that to replace the other seals it will cost me another XXXX dollars. 
So XXXX XXXX did a FAULTY REPAIR WORK AND INSTALLED THE TRANSMISSION INCORRECTLY AND THAT CAUSED DAMAGE TO MY CAR. I disputed the charge with capital Visa card and the case number is XXXX. And I sent all the documents and proof of faulty repair to capital one XXXX card but they denied my case and did NOTHING to help resolve my issue and get my money back from XXXX XXXX. They just denied my case even though I sent them all the documents ets and another opinion from another repair shop that the transmission installed was incorrectly installed and the seals are leaking and pan and gasket are leaking. 
I paid XXXX XXXX XXXX dollars to install a new transmission that I provided but they are so incompetent and ignorant and unprofessional that they installed it wrong and incorrectly. And any work and labor has a warranty on the labor for one year and I has not been but 2 months. I am disputing the faulty repair work done on my car and now my car is at another repair shop to remove the transmission and replace all seals and then install the transmission back and that will cost me over XXXX dollars because of faulty repair by XXXX XXXX. Capital one Visa card is the worst company on earth and they wont even look at the documents I sent and the proof I supplied for a faulty repair job and they wont rule in my favor. They denied my case within 24 hours. This is the worst customer service quality by capital one XXXX card. I want capital one XXXX card to refund me my XXXX dollars and rule in my favor and close the case in my favor and I want higher management to contact me to resolve this issue and refund me my XXXX dollars
Product: Money transfer, virtual currency, or money service

Cashapp did not transfer my money when they were supposed to money was missing out of my account
Product: Credit card or prepaid card

Hello Folks, This started with a new employee who did not evidently use the Michael 's payment system correctly. I have a double billing of {$200.00}. I submitted the receipt and this is a no brainer double billing. 

SEE THE RESPONSE WHICH IS ONGOING : Capital One Home Need help? 

XXXX XXXX... XXXX Can not assist Sent from Capital One XXXX XXXX, 2022 Can not assist Added XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Number : XXXX XXXX A XXXX, Here 's an update on your dispute with XXXX XXXX XXXX billed on XX/XX/2022 for $ XXXX.At that time we began an investigation into your dispute and requested information from you . While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. 

Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX ET.Sincerely, Capital OneTransaction Support Center XXXX Capital One. Capital One is a federally registered service mark. 

The following is what I sent to Capital One for Resulution of the same day double billing :
Product: Mortgage

On XX/XX/2018 we made a Principal Only payment to our mortgage with SunTrust Bank in the amount of {$1000.00}. At the time of deposit we were told by the our XXXX FL branch that the payment would be correctly applied using the coupon once that department received the coupon in 1 or 2 days. Upon checking our account 3 days later, we found that the principal only payment was misapplied to the regular mortgage payment and not principal only as requested. We have now contacted Suntrust Bank on three separate occasions to be told that it will not be corrected until XX/XX/XXXX. 

This is the 3rd time we have made principal only payments on our mortgage only to have them misapplied as a regular payment, with only a portion going to principal only. Misapplying the payments benefits the bank as it doesn't reduce principal as it's intended. Taking at least two weeks to correct this time, last it took almost 6 weeks. Our principal isn't reduced and they are making money by  misapplying funds. We believe this to be intentional on the part of Suntrust Bank.
Product: Mortgage

I got a loss of income due to new job duties, I request a loan modification with Cardinals financial loan # XXXX and I had been sending lots of documents, lots of phone calls and still at this time I had not been able to solve my loan problem. I had not been able to talk to one specific person, is always a different person. every day is the same problem, more and more paper work and updates which will lead to not been able to resolve this loan. documentation is repeated been send. they have been really difficult to get this loan. I had advised them to assigned one person only or to met with a local office and work this but no help. I am afraid to loss my home due to this problem. Can you please help me?
Product: Student loan

I the consumer never signed a wet ink nor electronic signature with company Aidvantage also know as maximus, XXXX commission file number XXXX. I called the company to get an overstanding as to why they are reporting to all three credit agencys about loans that were discharged. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their childrens education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education records. When a student turns 18 years old, or enters a postsecondary institution at any age, the rights under FERPA transfer from the parents to the student ( eligible student ). I never gave written authorization consent to have my school records given to non affiliated parties, and Aidvantage is a non-affiliated party, I told Aidvantage to send me forensic documentary evidence to validate there claim, they then sent me a copy of the MASTER PROMISSORY NOTE/AKA THE SECURITY, which is clearly a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Product: Credit card

I've consistently made timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, necessary corrections should be made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is charging me excess interest when My state Usury Law max is 8 % and also XXXX XXXX is reporting inaccurate late payments on my consumer report. Company also has harassed me with collection attempts which I am requesting them the cease and desist all activities and collection activities until alleged debt is properly validated pursuant to 12 CFR 1006.34c. XXXX XXXX XXXX ( Account # XXXX ) I have sent notice which confirmation tracking was received on XX/XX/year> other dispute sent XXXX XXXX but have not received a rebuttal nor update to my consumer report. Company has violated my consumer rights and I am seeking legal remedies. 
also company has denied me numerous times for multiple products and has not had permissible purpose to access my consumer report
Product: Debt collection

I am being charged for something that does not belong to me. I have no knowledge of my the is hitting my credit.
Product: Student loan

My XXXX student loan was originated in XXXX. I graduated from college in XXXX and began repayments on the loan which at the time had a balance of approximately {$43000.00}. When President Obama began the income sensitive repayment plan in XXXX I switched to an income sensitive repayment plan to lower my payment to an amount that I could afford. This lowered my payment to around {$310.00} per month. I paid under that plan until approximately XXXX when I was informed by Nelnet ( my student loan company at the time ) that with a {$53000.00} annual income, my monthly payment was being raised to around {$700.00}. I could not afford that and was told by Nelnet that there were no options for a lower payment and that the only thing I could do was to put my student loan into deferment for up to 60 months. My loan remained in deferment until XXXX when it was switched to an in school deferment when I went back to school for an advanced degree. After I graduated in XXXX, I received notice that my loan was going to go back into repayment, now at a balance of approximately {$55000.00}. However at that time the XXXX student loan pause had went into effect and I did not have to make any payments. In XX/XX/XXXX, when the loan pause was set to expire, I contacted Nelnet and asked what could I do to lower the payment to an amount that I could afford. I was told at that time that with an annual income of {$74000.00}, I was not eligible for any type of income sensitive payment plans, I was not eligible for public service loan forgiveness credit for the 3 years that I had worked at a non-profit housing agency and I would be receiving no credit for the 10 years that I had paid the loan prior to the income sensitive repayment plan, nor would I get credit for the time that I paid the loan under that plan until I could no longer afford the payment. I was told by Nelnet that my almost 30 year loan would be starting over from Day XXXX for another 30 years, which would mean that a loan that was originated when I was XXXX XXXX XXXX would not be paid off until I am in my XXXX. Nelnet advised that my only option would be to refinance the loan at a lower interest rate which would privatize my loan and I would lose all federal student loan protection. At that time the student loan income pause was set to expire and I was out of options. I refinanced the loan at a lower rate based on the advice that I was given by Nelnet which gave me a payment that I could afford, however it was not until after this that the federal government created more options for debt relief which now I was no longer eligible for.
Product: Credit card or prepaid card

I have multiple accounts on card and after AMEX changed statements to include pay over time feature statement balance on cards is not true or correct. 
The reason AMEX is unwilling to correct is that new statement format balance includes credits in balance and people who pay over time are being charged int rest on credits as well-as charges with current method of accounting. 
Since this dispute started my card info has been stolen once and AMEX has deliberately harassed me by canceling and or modifying my cards causing many calls to them always resulting in further issues never correcting fraud that resulted in original complaint!
Product: Checking or savings account

I was a victim of fraud and my case was denied and Bank of America is refusing to refund the money. I reported the fraud to the Bank of America XXXX XXXX XXXX within 24 hours of the fraud commencement. I spoke with XXXX. ( you said no name ) The case involves a juvenile who is my XXXX XXXX XXXX daughter who was threatened and intimidated by online organized theft network based on going police investigation pending Case number for the checks fraud for the amount {$9600.00}. 
Based on Banking laws, the bank shall be liable and not the account holder. 
Please inquire and let me know final Bank of America decision in order to know the next step. At this point, I want to avoid taking the case to the Federal Reserve to judge in this matter. 
Sincerely
Product: Credit card

Yes, Bank of America, has decided to closed my account without my warning, I have been with them for almost 20 years. and they wanted to treated me with no respect! I have my money inside my checking account and they never mailed me my check or gave my money! not sure what's there issue! just because I'm going through some personal stuff this years doesn't mean they have to shut down my account and make me their target!
Product: Credit card or prepaid card

Two fraudulent charges appeared on our credit card statement. One was a cash withdrawal from an ATM for {$210.00} and one was a dinner charge for {$77.00}. Both were made the same day, within an hour of each other, in XXXX, New York. The company is Capital One. The dinner charge was made with a chip enabled card and Capital One claims this proves I am wrong ( and therefore lying ). We had the card in our possession the entire time and did not mae the withdrawal nor the charge. 

The withdrawal was credited back to our account, but not the dinner charge, because Capital One claims the card used was chip enabled. This seems wrong to me, since we did not make the charge. 

Assuming Capital One is telling the truth, there is a security problem with their chip card enabled technology. I have cancelled our cards with Capital One, since I feel they can not be trusted.
Product: Credit reporting or other personal consumer reports

( CFPB COMPLAINT # XXXX ) I REQUESTED ONLY THE METHOD OF VERIFICATION DECRIPTION OF REINVESTIGATION PROCEDURE ON XXXX TO EXPERIAN FOR THIS ACCOUNT ( XXXX XXXX XXXX XXXX BY LAW THEY HAVE ONLY 15 DAYS TO COMPLETE THIS. IT HAS BEEN NO RESPONSE IN 15 DAYS. EXPERIAN ACKNOWLEDGED THE DISPUTE ON XXXX. IT IS NOW XXXX XXXX  AND EXPERIAN HAS NOT SENT THE METHOD OF VERIFICATION REQUESTED AND HAS NOT REPONDED TO THIS CFPB COMPLAINT REQUEST FOR THE METHOD OF VERIFICATION. THERE HAS BEEN NO RESPONSE AT ALL. I HAVE SENT PROOF OF THIS VIOLATION OF THE FCRA. I WILL NOW BE SEEKING FOR DAMAGES UNDER THE FCRA FOR THIS VIOLATION OF MY RIGHTS. I WILL BE SEEKING {$5000.00} FOR ALL DAMGAGES FOR NON-RESPONSE AND FOR THE REPORTING THIS ACCOUNT THAT HAS NOT BEEN VERIFIED UNDER THE FCRA. ( " DO NOT SEND A RESPONSE BACK SAYING YOU DO NOT UNDERSTAND THE NATURE OF THE DISPUTE OR YOU THINK THE DISPUTE IS FRIVOULOUS '' BECAUSE IF YOU ARE READING AND SEEING ALL OF THIS YOU UNDERSTAND )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit XXXX
Product: Credit reporting

CFPB, Can someone from the CFPB please tell me why it is OK for Transunion to obfuscate the ability to create a free XXXX fraud alert? I 've spent 30 minutes on the site trying to find it and it 's nowhere to be found. I do n't believe that follows the spirit of the requirement to provide this service. Please have Transunion, like the other XXXX reporting bureaus, place a clearly identified link to the free 90 day fraud alerts on their home page. This is not rocket science and CFPB should have this kind of a consumer friendly check as part of their regular monitoring of these agencies.
Product: Mortgage

On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transferred {$25000.00} to my Kraken Account via USD Wire through my financial institution, XXXX XXXX Bank. The wire instructions, provided when I entered the dollar amount I wanted to transfer to my Kraken account, was the wire needed to be initiated to XXXX Bank, to Payward Ventures , Inc. Also, the information stated that I needed to include a 'reference required ' which stated the code identified my deposit within my Kraken account. I signed off on the wire instructions that I provided to my bank and it included the code associated with my Kraken account. This information was included in the Beneficiary Reference ( XXXX characters ), with the spill over to the Originator to Beneficiary field ( XXXX characters ). When the wire did not post, I contacted Kraken and the email correspondence provided stated the " Public Account ID '' ( first time this terminology was used ), needed to be included in the Originator To Beneficiary field. This was the first time this information was stated. I initiated a wire on XX/XX/2022 for {$5400.00} to Kraken, I made use of the Beneficiary Reference ( XXXX characters ) with spillover to the Originator to Beneficiary field ( XXXX characters ) and the wire posted with no issues. I feel Kraken has unfair, deceptive practices for processing wires based on the instructions provided for initiating USD wires to consumer accounts on Kraken. Kraken has stated that this could take up-to XXXX days to resolve. I have tried to work with Kraken, their receiving bank MVB, and no one has been able to resolve the issue. I have asked to speak with management, the only solution they have provided is that they can send an email to their internal business units. This issue, if not resolved by Saturday, XX/XX/XXXX, will cause our business to miss out on a {$500000.00} business opportunity. I have been waiting over XXXX, on XX/XX/2022, for Kraken to XXXX. No resolution. I've asked for the money to be posted to my account ASAP or to be returned. Neither has happened and I've been told, this can take several days to resolve. I'm in the banking industry. It does not take several days to resolve an unpostable USD wire. If a wire is not able to be posted, it should be returned to the originating bank immediately. Kraken practices need to be investigated and fined for the deceptive practices on Consumers. 
I have a confirmed with XXXX Bank that my wire transfer has been posted into Payward Ventures, Inc. account. The XXXX confirmation number is XXXX.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under XXXX5 USC XXXX ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC XXXX. The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX and 15 USC XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.