23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i am having some issues getting a copy of all my documents for these companies. Please make sure they send me in the mail hard copies mailed immediately to my location XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They have not sent what i have asked for they send everything but what I am asking for. 
please make sure these companies send me a copy in the mail of all my records including from day one when we initially executed the instrument ( Application ) 1. All billing Statements 2. payments 3.ledgers, 4.coupons, 5.statement of account for the public and private side, receipts XXXX original application XXXX original contract 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 Interbank Mortgage Co/ 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 I am the registered agent for the principal account : XXXX XXXX. 

It was also brought to my attention that they have an account set aside for my principal estate ( social security number ) and that is holding all my unearned interest and they are waiting for the principal to come and claim it. It is mine and I need these companies to do their job and their duty is to perform and do as I say. I am the one that is the ONLY owner of the account and I am aware that all the unearned interest is in an account and they are to refund all the positive balances that exceed {$1.00}. These corporations have 10 days to send me my check to the address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
pursuant to 15 usc 1615 12 U.S.C. 1431 - U.S. Code - Unannotated Title 12. Banks and Banking 1431. Powers and duties of banks- banks are the borrowers and I, the consumer, natural person is the LENDER.

Refund the Principal balance to me, as it is supposed to be per congress.
Product: Mortgage

My mortgage was sold to Nationstar now Mr. Cooper and ever since they obtained the mortgage they want change the originals terms of my loan concerning home insurance. They have predatory practices regarding having to carry home insurance and are always looking to finds way to upcharge you more. I hate the fact that XXXX sold my loan to them. They are the worst!
Product: Debt collection

Received a letter from XXXX XXXX stating that I owe them for a collection for PayPal. The amount that it 's states I owe is XXXX. I checked my account on PayPal and it states my balance is {$0.00} and I do not have an open credit card account on PayPal. I did a credit report and not does it show I have an open account at PayPal indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
Product: Checking or savings account

Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES : 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
Product: Prepaid card

On XX/XX/XXXX until XX/XX/XXXX of XXXX multiple fraudulent charges at ATM withdrawals were made out on my account I sent in multiple supporting documents including police reports jail arrest records court dispositions as well as other police reports to no avail not to mention there is visual ATM footage that clearly shows the perpetrator at the ATM withdraw money out of my account without my authorization to the extent that on previous client that was approve the same perpetrator as seen on the ATM footage stealing my money but yet and still the claim is denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

For over one year, I have diligently attempted to address the inconsistencies between the information provided by Experian and that of XXXX and XXXX. Despite my efforts, these discrepancies persist, leading to confusion and frustration on my part. It is concerning that the credit profile provided by Experian does not align with the data furnished by the other two credit bureaus. This misalignment not only undermines the accuracy of my credit report but also raises doubts about the reliability of Experian 's reporting practices. Experian 's customer service representatives have failed to provide meaningful assistance in rectifying these discrepancies. Instead, they have insisted that I have no credit profile or have requested unnecessary identification documents for every complaint I raise. This pattern of unhelpful responses and unfounded accusations has only added to my frustration and impeded the resolution of this matter. As a consumer, I have the right to accurate credit reporting and fair treatment from credit bureaus. However, Experian 's actions have fallen short of these standards, resulting in significant distress and inconvenience for me.
Product: Credit reporting or other personal consumer reports

When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/year> stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/year> which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/year>. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/year> and this was subtracted from my checking account on XX/XX/year>. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the credit union branch.
Product: Student loan

This is my second attempt with CFPB for issues with Navient. My student loan payments were increased when my loan was transferred from Sallie Mae to Navient. I complained on multiple occasions, but have not been able to get Navient to talk to me, they just laugh it away, literally. 

When CFPB contacted them on my behalf, they simply say they don't know me ... I pay them every month. REALLY!! you take my money every month and still say you don't me.
Product: Credit card or prepaid card

Made online purchase at XXXX for {$16.00}. Order was canceled due to XXXX automatically applying an outdated shipping address from my account. They acknowledge the error, and they immediately issued a cancellation notice. I have screenshot and email confirmation. <P/>XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$16.00} ) {$16.00} balance has yet to be recovered back to my XXXX XXXX XXXX ( Blackhawk Network ) as of today, XX/XX/XXXX. In detailed conversation with XXXX escalation team, they indicate that their hold on the funds has long since expired ( XX/XX/XXXX ). And so the money should have been recovered back to the available balance of the prepaid card. It has not. I spoke with XXXX ( offshore call center rep for BHN ), who repeated ad nauseum that it takes 30 days for the money to be recovered to the card, and that it is " because of XXXX problem. '' This appears to be nothing more than scapegoating. Since the XXXX hold has expired, there is no outstanding claim against my funds that BHM would be required to cover. This appears to be an attempt to float MY money for as long as possible for BHN 's financial benefit ( float adds up pretty quickly if they 're doing this to thousands and thousands of transactions at a time ). The BHN rep made no offer to assist or resolve, merely repeating over and over that it takes 30 days. The BHN website shows ZERO reference to any hold on the card ( I have a screenshot of the account info, and specifically the " Holds '' section, which is blank ). The BHN rep refused to offer any reasonable explanation as to 1 ) where my money is, or 2 ) why it is not available for my  use ... other than to blame XXXX, and repeating her " 30 days '' script. This is wildly inappropriate behavior for a company to hold consumer funds for such a long period of time -- especially without documentation in our accounts, and without explanation as to the extended period. In 2017, funds availability and holds are routinely resolved same day or next day with every other credit card I hold.
Product: Checking or savings account

I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of XXXX Mississippi employee XXXX XXXX ran my credit report and I didnt not authorize it and they still have not taken the steps to remove this unauthorized inquiry
Product: Debt collection

On XX/XX/2023, Frost-Arnett contacted me by letter saying that I have an overdue bill of {$1000.00} and unless I make a payment, they will continue their collection efforts. I sent them a request for debt verification on XX/XX/XXXX, and they have not contacted me or responded to my request in the 30 days following the letter being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed inaccuracy on my credit reports. I've asked all three credit bureaus to verify the accuracy of the accounts if not, remove them. I've asked specifically for those who verified the accuracy of the account and to verify the accuracy across all three credit files. The information always comes back as verified with no information on how or who verified the information.
Product: Debt collection

XXXX  XXXX XXXX ; is trying to collect a debt that's not mine. XXXX XXXX had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; XXXX  XXXX then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, XXXX  XXXX understand that's its ID theft also ....
Product: Debt collection

Tally has shut down and I believe sold my debt to XXXX. They dont have my correct information and I did not agree to the terms or agree to pay this other company.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$1700.00}
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past. 

I appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the representation of three accounts from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these accounts infringe on my privacy rights as stated under 15 U.S.C 1681 Section 602 A. Furthermore, in accordance with 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency should not furnish an account without my explicit written instruction, which has not been provided in this case. I urge you to conduct a comprehensive investigation into these accounts. If inaccuracies are found, I request their immediate correction or removal from my credit report. Please contact me for any additional information needed. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. | have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/23 ]. 
Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

I use my car and ATM and the ATM did not dispense any money and did not show that my card had been debited. I did not look at the receipt I did not think that it had debited my account, but when I noticed that it did I contacted My financial institution Immediately and they told me to fill out the paperwork and I did and that was XXXX days ago and they told me today that they were not going to issue me a provisional credit for my lost And I just now seeing that my furniture institution on the very same day that I disputed the transaction they announce that they credit my account, but there was no credit when I looked in there, so I guess they took the provisional credit away. I dont know what happened, but I have proof of the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights, to privacy and confidentiality. Under 15 USC 1681.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX Account # XXXX XXXX XXXX inquiry dated XXXX.