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

I received a PayPal notification vie email ( XXXX ) advising that funds were sent to me in the amount of {$600.00} on XX/XX/2020. After several unsuccessful attempts to log-on to my PayPal Account i opted to reset my password. 
Resetting my password failed because my security control queries had two issues : 1. My phone number on file had changed for more than four years 2. My verification questions could not be answered correctly. 
Multiple daily attempts over a week to reach an agent at PayPal was unsuccessful. Direct contact with an Agent was not available due to call volume ... as per the voice recording from PayPal..Utilizing other contact options presented on their website such as the " Message Center '' and " Resolution Center '' was not useful as the majority of options except for a call into the automated phone service required that I had access to my account, which was the reason for the issue. ( I could not access my account ) The sender of the {$600.00} made several email requests to PayPal for assistance with my account access issue, this seems to have been ignored. The Sender have  also requested a cancellation or refund of the funds sent to me but this too seem to have fallen on deaf ears. Instead PayPal sent me another email advising that the Sender claimed that products were not shipped as required. This was not the case as the funds sent to me was a " Gift '' amount which was also stated in the email from PayPal I received originally on XX/XX/XXXX. The shell Office for PayPal at XXXX XXXX XXXX XXXX is empty, there is no one available here or any live contact. I visited the office last week hoping to get help but to no avail. I would like the funds returned to the Sender or have my PayPal account enabled so that l can access these funds as it was originally intended for medical purpose. 
The PayPal transaction Id 's related to this issue are : ( Receiver ) XXXX & ( Sender ) XXXX. 
There is an active case pending at PayPal, Transaction Details Case number : XXXX Buyer 's name : XXXX, XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Transaction date : XX/XX/2020 Transaction amount : {$600.00} CAD Your transaction ID : XXXX Refund amount : {$600.00} CAD - ( Pending ) Your kind assistance with resolving this issue which has been ongoing for 13 days is appreciated.I can be reached at the above email address or by phone @ XXXX XXXX XXXX for any further clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

I have a HELOC loan with Flagstar Bank. The payments for this loan are made via draft from a checking account I have opened with Flagstar. My primary bank is XXXX. Over the last six months I have missed making the transfer to the Flagstar Checking account in time for the draft on three separate occasions. The transfer did go through and the payment was made within days after each occasion. 
The incidents are as follows : XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$300.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$310.00} ( This was returned ) XXXXExternal Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$430.00} ( Payment was made with late fee ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$320.00} ( This was returned ) XX/XX/XXXX External Withdrawal FLAGSTAR BANK - LOAN PYMT ACH, Withdrawal, Processed {$340.00} ( Payment was made with late fee ) As a result of these three occurrences, Flagstar Bank has issued a letter stating that " for the next six ( 6 ) months, until XX/XX/XXXX, loan payments must be made using one of the methods below. '' ( Cashier 's Check or Money Order ) This places a great logistical and financial burden on me to get payments to them on time. Because neither of my banks have a branch in Utah where I live. I called them and asked what the legal grounds for requiring a specific form of payment were? The only answer provided by " XXXX at Flagstar Bank ( XXXX ) '' was that they do not have to provide me a means of making payment electronically. I asked if I sent them a physical check in the mail if that would be honored? XXXX said it would be treated as an electronic form of payment and sent back. 

My question is do they have legal standing to require me to send a specific form of payment that is going to place an additional financial burden on myself?
Product: Mortgage

I've been calling Caliber Home Loans numerous times since XXXX of this year, attempting to speak with a competent person that can explain why Caliber Home Loans took {$2000.00} out of my escrow account unexpectedly on XX/XX/2022. I have been calling to understand why this action took place and to ensure the money is promptly put back into my account. The money taken from Caliber is money I had added to my account of my own free will and for the purpose of lowering my mortgage payment each month. The money was taken out of my escrow account after I had paid the same amount ( {$2000.00} ) into the account XX/XX/2022. After numerous attempts calling and explaining this problem to Caliber 's customer service line, spending hours on the phone and speaking with multiple people in the Insurance Department, Escalation Department, and Customer Care Department, I have not had one person able to offer a solution. Each person I would speak to usually ended up telling me that I needed to speak with another department and/or that someone would reach out to me to help. During my last several attempts at calling Caliber Home Loans, I had been very explicit that I needed to speak with a " Level 3 Agent '', as it was explained to me by customer care that these agents are the highest level of management for customer service and that Level 3 Agents are qualified to help with a problem such as mine. Despite making several attempts to speak with Level 3 Agents on different days, each time it was explained to me that Level 3 Agents are not available and they would call me back within 72hrs. Since my last attempt on XX/XX/2022 I have not received a call, text, email, or any other form of communication from one individual at Caliber Home Loans since first reaching out with this problem.
Product: Credit reporting or other personal consumer reports

A debt recently showed up on my credit report and lowered my score. The is for XXXX In the amount of {$550.00}. The debt collection company is XXXX XXXX XXXX. This debt was not previously on my credit report and all of a sudden showed up about a month or XXXX ago stating this card was opened 2023. I dont have any record of opening this credit card. I disputed it through XXXX XXXX and Transunion found it to be a valid account. I called TransUnion tooday to dispute it again and to let them know that I dont recall ever opening this account in 2023 and they basically told me to kick dirt. I dont have any records of receiving this card or any billing about this card Or about the debt itself. This literally showed up on my credit report out of the blue and I have no idea what is going on here. I would like this debt removed from my credit report. If it is not, then I need some type of proof as to when this card was opened, how it was opened, for example, over the phone or on the web, and all transaction history for this card.
Product: Debt collection

EOS CCA violated my rights pursuant to the Fair Debt Collection Practice Act. This violation is of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. EOS CCA is in clear violation and I belief EOS CCA does not own this alleged account.
Product: Debt collection

I have repeatedly asked for validation that this debt is mine and the company does not provide it but keeps calling me. I have disputed the debt and asked for them to stop calling me because I am not paying this debt because it is not mine.
Product: Mortgage

SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.
Product: Credit card or prepaid card

I placed an order online with Home Depot for a XXXX that i paid for. They told me that I could track my delivery on the app. The delivery date changed a few times. But each time they made a delivery date to be delivered I waited all day until night and my XXXX never arrived. I was calling Home Depot trying to see what was going on. When i tracked the app the last time it said my vanity was delivered which was false because I still never received my vanity and Home Depot claim that they did their own investigation showing proof that it was delivered. They only provided screenshots of tracking but no signature that anyone signed showing any proof. They didnt provide a pic of them setting the vanity by the door or nothing. There was no proof because I never received my vanity from Home Depot. This is very unfair because I paid {$1400.00} with tax for a vanity that I never received at all. I feel like I have been scammed and taken advantage of. The delivery driver had to have dropped it off at the wrong address because I never received it and I want my money back. They claim my order was accepted on XX/XX/2022. They claim the order was scheduled and delivered XX/XX/2022. Which is incorrect because I never received my merchandise or my money back. Attached to this complaint is the receipt as well as the so called investigation by Home Depot. They forget to include real proof they only send me a computer print out which is not proof. I have been scammed.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Product: Credit reporting or other personal consumer reports

Last XXXX i was made aware that i was a victim of identity theft. I contacted the credit bureaus and followed there instructions. after disputing, Nothing has came off my credit. I wonder why? Could it be the reason that the CFPB filed a lawsuit against experian? I need these fraud accounts off my credit.
Product: Checking or savings account

On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by Bank of America due to my card being compromised the refund never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and other fees accrued from this and have stated that they will no longer be investigating the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and EQUIFAX continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
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 U.S.C. 1681. The following accounts have violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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: Credit reporting or other personal consumer reports

The credit bureaus are in direct violation of 15 U.S. Code 1681. All 3 bureaus ( XXXX, XXXX and Equifax ) have different and inaccurate information about a particular account. I have communicated to the creditor to have the information updated and there has been no changes.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 am disputing inaccurate reporting on my credit report regarding an account from XXXX XXXX  XXXX ( Account # XXXX ). Upon reviewing my credit reports from all three major credit bureaus, I identified multiple inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

Inconsistencies in TransUnions Reporting : Date of Last Activity : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Date Reported : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Creditor Remarks : Charged off as bad debt. Canceled by credit grantor. ( Different from XXXX & XXXX ) Payment History : TransUnion does not report any history, while XXXX XXXX XXXX report continuous charge-offs. 
These inconsistencies violate 15 U.S.C. 1681e ( b ), requiring TransUnion to ensure maximum possible accuracy. Also, under 15 U.S.C. 1681i ( a ) ( 7 ), TransUnion must provide a detailed description of the verification process upon dispute, which has not been provided.
Product: Debt collection

I received a letter from Sage capitol recovery concerning a debt of {$3700.00} with XXXX. They asked that I review this information and respond in writing within 30 days if I did not recognize this debt. Having never done business with XXXX  I responded in writing explaining that I was not the person that they were looking for, as well as that I never made any purchases with XXXX and that they had the wrong person. I had never received any calls until after they received my letter which was mailed to Sage capitol recovery on XX/XX/19 ( their letter was dated XX/XX/19 ). Now once or twice a week I get a robocall from Sage capitol recovery asking me to call XXXX XXXX at XXXX. I have had the exact computer voice message at least 5 times over a span of 2-3 weeks. I did return the call twice only to be automatically transferred to a voicemail which stated this voicemail box is full. Please call back at another time. There does not seem to be anyone working at this place as I have only received robocalls and cant get a human to answer any call. This is not my debt, I dont know how to have them stop robocalling me. As I stated clearly in my written response, they have the wrong person.
Product: Debt collection

This company has marked that my account went to collections. However I paid the medical office directly, therefore the collection agency has no right to collect nor do they have a right to place a negative mark on my credit. Additionally, they have violated my rights under HIPPA by accessing my medical information to determine when I saw the physician in question and what was done for my care.
Product: Checking or savings account

On XX/XX/2019 I filed a claim with Bank of America for unauthorized use of my ATM Debit Card. 4 charges from XXXX XXXX totally {$3300.00}. The 1st charge was for {$850.00} on XX/XX/2019. The other 3 charges were on XX/XX/2019 in the amounts of {$850.00}, {$840.00}, {$840.00}. I called Bank of America back on XX/XX/2019 and was told my claim to be reimbursed was denied because I " checked my online account '' throughout the period of the fraud and did not report it in a timely manner. I was advised by the Bank of America employee to write a letter disputing the denial and fax it to XXXX ( Debit Card Operations ). I faxed the letter on XX/XX/2019 and called Bank of America back on XX/XX/2019 to confirm it was received. I was told yes, it was received and it could take up to 60 days for a " final decision ''. I called Bank of America today, XX/XX/2019 to get an update and to find out any further information and the Bank of America employee, XXXX, was only able to tell me my claim had been assigned to a specific individual in the Fraud Dept but she was not allowed to give me any names. 

I have also called XXXX XXXX and they assured me my wireless account was not used to purchase the phones paid for with my business debit card. 

The Claim # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX  I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. 



The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. ''