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

On XX/XX/XXXX there were three unauthorized transactions on my PayPal account.

Two deposits from a person named XXXX XXXX, Whom I don't know : {$550.00} and {$2700.00}. 

On the same day, there was a transfer out to a credit card ( which is not mine ) {$3300.00}. 

I disputed all three transactions. PayPal removed the two deposits but refused to remove the transfer out, saying that it was my responsibility to file the dispute with the credit card. Of course, I can't do that since it's not my card. 

The end result is that PayPal says my account is overdrawn and I owe them {$3300.00}. 

I have made many attempts to resolve the problem but PayPal won't listen.
Product: Credit card or prepaid card

Bank Of America mistakenly billed me twice for monthly payment on my XXXX Visa XXXX card and I have not been able to reach them to remove the second duplicate charge. This was a significant amount of money that I no longer have access to. 

On XX/XX/XXXX, I my bank account was charged my normal autopay amount that paid off my credit card statement in full. On XX/XX/XXXX I was charged the exact same amount again. Bank of America does not offer chat or email customer support, so I called them on XX/XX/XXXX to have them reverse the charge. Bank of America was not able to do this and had me call a different line to speak to a department that covers the XXXX card. I called on XX/XX/XXXX and on XX/XX/XXXX, both times the hold time was over 1.5 hours, so I selected the option to receive a call back from their support. I never did.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I submitted for a mortgage refinance and my last mortgage payment with the previous lender ( 53 bank ) was delayed. On XX/XX/XXXX the payment went on but I didn't no so I processed a second payment that went on XX/XX/XXXX. 

My old loan closed for the amount of {$380000.00}. The extra payment that I did on XX/XX/XXXX included an interest amount of {$1100.00}. That interest amount was extra as they've already charged me {$1100.00} interest on the payment from XX/XX/XXXX. 

They've calculated my escrow refund at {$4000.00}, which included the escrow from XX/XX/XXXX and XXXX payment, but not the extra interest fro, XX/XX/XXXX. 

I tried contacting 53 bank numerous times and they argued over the phone with me saying that no, everything is correct on their side and nothing is wrong with my loan payoff, when in fact I paid them {$1100.00} extra in interest. Please see attached all the documents supporting my view. 

My loan closed in XXXX, which means I should have been charged 9 months of interest for 2019 ( 9 months x {$1100.00} = ~ {$10000.00} ) but I actually paid them {$11000.00} in interest for 2019
Product: Credit card or prepaid card

On XX/XX/2023 XXXX charged my card {$42.00} for an order I placed, however the order was incorrect. It was someone else 's order brought to me by mistake. I contacted Capital One, and was credited the amount of the order immediately. Fast forward to yesterday XX/XX/2023 and Capital One removed the credit and sided with the merchant with merely the merchants word that " items were received as stated and in good condition '' with XXXX supporting evidence. I was asked to respond to maintain my credit of {$42.00} which I promptly did so hours later. I responded with a detailed step by step explanation, photographic proof of the incorrect order that the merchant provided, and explained my endless attempts to work it out with the merchant before contacting Capital One, also providing proof of those attempts as well. Despite all this, hours later Capital One denies all of my evidence and sides with the merchant, deciding their one sentence with XXXX backing beats my photographic evidence and detailed explanation. Clearly Capital One is motivated by greed, not protecting their customers. I've never initiated any charge backs before with Capital One, I've been a trouble free customer until my money was effectively stolen from my account in this incident. While the dollar amount may be small at only {$42.00}, I work hard for my money and refuse to be stolen from.
Product: Debt collection

On or about XX/XX/ XXXX I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XXXX XXXX XXXX I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX XXXX  I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for XXXX XXXX. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised will hospitalized. 

Now I just want to rectify the situation!
Product: Credit reporting or other personal consumer reports

What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX 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 on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report
Product: Mortgage

Nationstar Mortgage is the servicer of my home loan.I have been unable to get any information or answers from at least four loan specialists.I want to know 1 ) Who owns my loan-XXXX is the Trustee and they just had a $ XXXX judgment in favor of the American consumers.I may be eligible for some of that.2 ) The specialists also have not given me any alternatives for when my modification ends in XX/XX/XXXX.I have sent them six communications with all pertinent information and so far all they say is that I will be paying $ XXXX/month starting XX/XX/XXXX.This is totally unaffordable and this is my primary residence.Can you get someone at Nationstar to help me.
Product: Credit reporting

This is the the results from the from the so called investigation. XXXX is saying that the account is open, and unpaid, but when you call XXXX XXXX XXXX they say they sent the request to delete the incorrect information on XXXX/XXXX/2016, but Equifax sent me the following information : & gt ; & gt ; & gt ; We have researched the collection account. Account # XXXX The results are : Additional information has been provided from the original source regarding this item. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX I, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Insurance ; Client XXXX ; Amount {$84.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$84.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX TX XXXX Like I said above, XXXX said that the account should be deleted, so I am trying to figure out what type of investigation Equifax is doing when the people who entered the information is saying that they sent a deletion request on XXXX/XXXX/2016, and Equifax is saying that the information is accurate on XXXX/XXXX/2016.
Product: Mortgage

Once again, after successfully paying my new modification for the past 2 years, Bank of America send me a statement increasing my payment from {$380.00} ( principle and interest ) to {$620.00} ( escrow flood insurance ) As in the past 5 complaints Bank of America, intends to alter the terms of the contract I have with them. XXXX XXXX XXXX XXXX Regulatory Complaints Department XXXX XXXX Bank of America ) and I have worked together for the past 10 years trying to get my modification on terms we all could agree on. We finally agreed NO ESCROW just principle and interest. We did 3 trial payments, we signed all the paperwork and I have been paying faithfully for the past 2 years. It was agreed a 40 year modification at 2.75 % {$380.00}. I pay my own insurance and taxes. XXXX XXXX did say if I defaulted on my payment, they may have to add escrow in to the loan. I have NOT defaulted!! I just got notice from Bank Of America that they expect me to now pay {$620.00}. I did not agree to that and I can not pay that amount monthly. I pay my flood insurance yearly ain XXXX and I intend fully to continue to do so. I will be paying bank of America my agreed upon payment and nothing more. I have tried several times to reach XXXX XXXX and he does not return my calls. i have tried to come to terms with customer service and the insurance dept. and they keep switching me back and forth and are not trying to make a resolution with me. I am sure once you enter a contract with someone, you can not change the terms 2 years later. Hopefully, we can work this out without having to get an attorney involved. Bank of America is making it difficult to speak with someone with authority to help me. Thank you for anything you may be able to do to help me at this time. XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account 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 States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had both a Checking Account & home equity like account account with SunTrust Bank. A great Bank. ( I only had the checking account with Sun Trust because it was required in order to have the Equity line ). This was a no monthly maintenance fee account. Then TRUIST apparently took over. Unknowingly at some point they began charging a monthly fee for checking, again this was never the case with Sun Trust. I immediately complained and they initially reversed these charges but apparently only temporarily. Again this was a checking account that was not being utilized at all. NO ACTIVITY. When the equity line account was up for renewal, TRUIST changed terms etc. so Immediately attempted to close both accounts and said I wanted nothing to do further with TRUIST. Its at this point I began receiving notices and was told that I MUST COME TO OFFICE TO CLOSE ACCOUNT??? An account that in my mind had already been closed. Since there was a TRUIST in area I did stop by but after a 30 minute wait to see someone, I left. ( I stopped by more to voice my dislike Truist & there demand I come to office to close a account ) Since then I have called no less that 6 times & responded in writing every time I received one of their notices, stating THIS ACCOUNT IS CLOSED!! Additionally since this account was never used, the only thing that was apparently on it was monthly service fee 's that was accruing after I requested account be closed. They are now threatening me with legal action for charges on a defunct account. This is the worst bank I have ever encountered in my life and will inform as many others of this as possible.
Product: Debt collection

I vehemently dispute the XXXX XXXX  account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Product: Credit reporting or other personal consumer reports

I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX - 3. XXXX XXXX / acct # XXXX - address- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.
Product: Student loan

O
n Frida y XX/XX/XXXX i was contacted by Account Control Technology about 3 outstanding student loans. I explained that I was in the process of consolidating all of my loans through XXXX and that I needed additional information in order to add these loans to the account. after giving me a hard time supplying the requested information, they provided me with the account numbers and the amounts of the loans ( total since they said they were unable to give me a breakdown ) I contacted XXXX about adding these 3 loans to the existing account and they emailed me a form and explained it will take a few weeks.
Today, XX/XX/XXXX i received another call from Account Control Technology. ( every time they call, they call from a local number and the line stays quiet, i have to call back only to find out who they are. If i never called back i would have never known who they are yet they can consider this a " contact '' on their records. ) On todays call i explained to the guy who answered that I had already spoken to them just this past Friday and that I already contacted the company which is doing my consolidation loan and provided them the info. I asked that they give me 2 weeks and to please refrain from calling till then. If by that time they have not resolved I would be happy to make arrangements in the meantime. The guy replied " your account is already placed for wage garnishment of 15 %, i will remove you from the call list and if we happen to have your account in 2 weeks we might be able to speak then '' i told him that there is no way they can garnish my wages without notice, there has to be a hearing or some other type of notice. he said " no ma'am, its the department of education all it takes is a flip of a switch '' I was so upset i said goodbye and hung up.
I contacted the DOE and they advised that this is not true. I explained what my intentions are and what I have done so far and she advised that what I am doing is correct and do not need to worry about this. She apologized on their behalf and notated my account.
The information that they are giving at Account Control Tech is incorrect and used to intimidate people into making payments. As per their conversation they are recording the calls.
the acct is under my SS # XXXX and the name on file is XXXX XXXX ( my married last name is XXXX ) The number they are calling me from XXXX XXXX, fl though they are in XXXX, CA. their number is XXXX the numbers that are calling me are XXXX, XXXX. my phone number they are using to reach me is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a CashApp user who used my old phone without authentication to send money to their CashApp account.

I reported it as a scam/fraud to CashApp. I provided them with the scammers ID, which is two different information.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - BALANCE {$480.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$160.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - BALANCE {$2500.00} Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$390.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1800.00} Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX- BALANCE {$500.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$500.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX