23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX XXXX XXXX XXXX on a fixed XXXX income. My mortgage payments are automatically taken out of my bank account every month so I hadn't noticed that I was being charged a {$24.00} service fee since around XX/XX/XXXX. My sister was helping me audit my expenses and came across this. My sister discussed my situation with a branch in Colorado ( who did not have access to my account ) yet informed her that it must be an old account and they should reverse the charges since I met the criteria of {$1000.00} worth of deposits per month. 

On XX/XX/XXXX, upon contacting the local branch ( with my sister on the phone as well ), I engaged in a conversation with XXXX. He explained that the fee in question was tied to my mortgage refinancing back in XXXX. Despite my attempts to resolve the issue in a satisfactory manner, we requested to speak with a supervisor and was directed to XXXX. However, rather than assisting us, XXXX invoked the Fair Banking Standards Act. She declined to facilitate the retrieval of necessary documents and ascertain the duration I have been subject to the maintenance fee since the mortgage fell below $ XXXX. Faced with this obstacle, my sister resorted to physically examining my back account month over month upon arriving in Illinois on XX/XX/XXXX for a visit. 

My earnest plea is for the reimbursement of all fees incurred since XX/XX/XXXX, ( the best of our ability ) totaling {$490.00}, to be credited back to me. 

This act of goodwill from US Bank not only enables me to be reimbursed for the lack of information provided but also serves as a tangible demonstration of your company 's steadfast commitment to supporting individuals with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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

I am unsure of where to begin because this has been a up-hill battle for the past XXXX two years. As a young business professional my credit and identity was the center of my success until my identity theft occurred. Every aspect of my identity was compromised and taken advantage of. I 've had credit cards, bank accounts, apartments and even auto loans take-out in my name. I was not aware of this matter because I did not have any type of monitoring service to alert me of any suspicious activity. It was not until I got harassing phone calls from a property management company demanding {$12000.00} or I will be sued. Of course I was unaware of this issue so I acquired documentation from the landlords and then my journey of a nightmare begun. I immediately contacted the police department, hired an investigator, contact me attorney 's and prepared to fight a war that I could spot a mile away. I researched for days and took off of work because I was in fear of my life, who knows who could have been behind this! Nonetheless, acquired monitoring services via XXXX, XXXX XXXX and my bank XXXX XXXX Bank XXXX. I placed credit fraud alerts with all of the credit bureaus and submitted my credit report, which contact multiple accounts, fraudulent addresses, phone numbers and more. I followed every step that the Federal Trade Commission provided me with. I submitted the FTC Affidavit notarized, Police Report, Letters from my attorneys and last but not least my credit report with the fraud accounts and inquiries highlight and a letter specially describing every detail of the fraud accounts. However after submitting all of these documents and working extremely hard to recover my name, XXXX companies that I 've dealt XXXX. I have written to these companies at least 12 times throughout the years and submitted exactly what the credit agencies required me to. I have gotten the XXXX Police Department involved by requiring Bank XXXX to supply us with video surveillance, which they are unable to do. I have sent XXXX information showing proof of residence during the time of fraud and supporting identity theft documents. These companies refused to listen and examine proof of identity they, because it will remove the fraud debt they are claiming that I owe. I have exhausted all of my options before resorting to the legal system and forming a lawsuit. I am in need of help to fight these companies to remove this fraudulent debt. I dispute these XXXX accounts every month with Equifax for the last 2 years. I have expressed the ability to provide proof of identity theft and no matter what I provide this companies refuse to help me. I am providing supporting documents to this to hopefully help these accounts to be removed and show fraud. Please help me, I thank you for your time and consideration. Whatever is needed to resolve this issue, I am willing to go to the fullest extent of the law for this issue and to remove these fraudulent accounts to clear my name. I want my life back, I want my name back because in today 's society credit is everything, and unfortunately I got shot in the foot before I could get started. Please help me.
Product: Money transfer, virtual currency, or money service

I have used PayPal personal transfer feature for years to receive and send money from friends, family and acquaintances. These personal transfers are widely advertised by PayPal as free and I've never had any issues with it. Even when people transferred money and mistakenly classified as a purchase, I would simply refund the money and have that person send me the money as a personal transfer. Every time, PayPal had simply refund me the transaction fees. Apparently they changed their policy and decided they will no longer return any transaction fees even in the case where the person sending me the money clearly made a mistake and classified the original transaction as a purchase. Furthermore, their money transfer workflow is deceptive and designed to trick new users into sending money as a purchase as opposed to a personal transfer. This is unacceptable. I was meant to receive {$6000.00} and PayPal refuses to return 3 % in fees even though it's very obvious that the person meant to send me a personal transfer.
Product: Credit card or prepaid card

I closed my JetBlue credit card with Barclays Bank Delaware XXXX XXXX ( account ending XXXX ). I received an email from Barclays on XX/XX/XXXX, for my payment ( account ending XXXX ). I called Barclays and told them it wasn't my charge and that the card I had with them previously ( XXXX ) had been closed the year prior. I wasn't sure where account XXXX came from or why it was tied to me. 

They filed a fraud charge and said I'd be notified. 

I received another email on XX/XX/XXXX, saying I can explore payment options. I called and spoke XXXX ( ID no. XXXX ) with the fraud department directly and he stated there was proof from the store the charge that was made was mine. I asked him to mail me, email, or text me the proof. 

He stated that once I receive the proof I can dispute the charge with them directly by writing a letter. I told him the entire situation made no sense because he was giving me XXXX account number over the phone that didn't match the ending account number in the emails requesting payment - AND, the account I had with them previously had been closed for close to a year. He said whomever I had spoken with to close my account never closed it and it remained open. 

I've now called the fraud department twice asking for the proof they say they have against me and I have yet to receive it. I'm unable to file a dispute with them because they won't send me the proof ; however, they are reporting late payments on my credit report, which was stellar before this whole situation. Now my credit score has gone down significantly and there's little I can do about it. 

I can't find a resolution with the credit card company and they're holding me hostage because I refuse to pay for a charge that's not mine, on a card that I had closed the year prior and they're ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Money transfer, virtual currency, or money service

I made a payment on the XXXX XXXX of {$2400.00} via Wise and it has not been received by the recipient. 

I have attempted numerous times to expedite the release of the funds to the recipient but wise were intentionally being difficult and closing my cases. They finally managed to trace the money to an intermediary bank and agreed to issue a recall, but this was already a month later. I still don't have the money back and I am at my wits end. This is too much money to be without for this long and I have had enough.
Product: Debt collection

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX  XXXX XX/XX/XXXX {$390.00} XXXX XXXX XX/XX/XXXX These credit accounts, collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This account not mine and possibly created from someone else.. I never had an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We moved out of XXXX XXXX XXXX XXXX We took photos from when we moved in a year before, and when we moved out. We left it looking better than it did when we moved it. 

They proceeded to charge us {$1200.00} worth of charges to which I asked for the invoice and break down. On that list was XXXX bags of trash removed which is obviously ridiculous. It's XXXX bedroom and XXXX bathroom. XXXX bags of trash won't even fit in there. They also attached move out pictures that were filthy. Also on the invoice I noticed it had the wrong apartment letter so I asked for clarification. They responded with that they sent the wrong thing but I still owe what the wrong invoice says. How does that make sense? 

I made a CFPB report and they collector asked for proof so I sent all my proof. Their response was that the only proof they would accept is from stadium view saying I no longer owe the debt. Make it make sense. I provided PROOF of everything and the falsified charges yet they refuse to acknowledge it. On top of that they are constantly harassing me with calls and scare tactics when I do answer.

On top of this they also put a second charge for the same amount on my fiance 's credit. So not only are they falsifying charges, they are trying to collect them twice. I asked the collection agency if our accounts were the same linked charge or not and they said it was XXXX separate things.
Product: Debt collection

This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, called XX/XX/XXXXand Experian for credit i never applies XX/XX/XXXX called XX/XX/XXXXand Experian to remove inquiries for credit i never applied thank you XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX Balance : {$710.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/23 Reieved a phone call from Bank of America XXXX number stating that there was a suspicious charge on my checking account ( {$50.00} ) and used the last 4 digits of the account. 
They said that there was also another cash amount ( {$3400.00} ) that had been that was not yet showing up yet as a charge, but had been recorded. they said to reverse this I needed to open a XXXX account in my name and transfer funds from my savings in three separate transactions ( $ XXXX ). After each transaction, I would get a message from BOA and would need to reply " yes '' after each in order for it to go through. It wasn't until the third transaction was " pending '' and under review, that I realized that I had no idea where the XXXX funds were going. I thought XXXX was something to do with security, having never used it before. 
I then did a reverse lookup on the XXXX number and " code '' that they sent me ( I stupidly said to the man calling that it looked like a phone number ( he said " no '' ), but it was. The numbers were involved in scams. 
I notified my bank because there was still a pending transaction and I didn't want it to go through, but being the weekend, could not reach a real person...
Product: Vehicle loan or lease

I had a loan through Bridge rest financial for a XXXX XXXX XXXX which I acuired in XXXX of XXXX. All of my payments until the last 30 days have been on time. I recently traded my vehicle in on a brand new one. Part of my financing included paying off the XXXX. I told Bridgecrest that the vehicle had been traded in and I no longer possesed the vehicle. They have been relentlesly hounding me with phone calls about their money. I've explained that the dealer would pay the vehicle off within 10 business days. This wasn't good enough for them and they continue to harass with phone calls on a daily basis! How do I make them stop calling?
Product: Student loan

I have been trying to resolve my private student loan debt with Sallie Mae, now Navient, for 10 years. They refuse to work with me to lower my payments. It is a CONSTANT, nonstop harassment on their part to try to get me to pay $ XXXXmonth which I CAN NOT afford. I just had a XXXX  and had to take 4 months of unpaid FMLA time off of work. They straight up REFUSED to work with me in any way when I called to ask about temporarily suspending payments while I was recovering from having my XXXX. I called several times leading up to my XXXX to ask about my options because I do want to pay back my loans and they offered me no empathy or options. I became very frustrated with the entire situation and told them to just cancel my payment plan of $ XXXX month. That is the absolute lowest they would go, by the way. I work part time and make very little money and they really don't care. They are a predatory company who does not care about helping anyone out, all they care about is money and harassing good people who have fallen on hard times. They usually call my cell phone between 10-15 times A DAY. Not only was that bad enough, TODAY they SOMEHOW got my brother in laws phone number and called his cell phone. They asked for my mother in law by name and said they were trying to get in contact with me. My mother in law was very worried about how they got her information as was my brother in law. This is completely out of line. They are NOT cosigners on any of my loans, they have ZERO involvement with any of my student loans, private or federal. This is outrageous and predatory and I will not accept it. Something needs to be done about this and I need some help. I am at my wits end. I have often considered filing bankruptcy, hiring a lawyer and suing the company and this had led me to a severe XXXX and even at times XXXX  thoughts. My credit is ruined, my co-signers credit is ruined, and they remind of that fact every day. I have thought it would be better for me just do XXXX  so I don't have to deal with this stress in my life anymore. And I have TRIED FOR 10 YEARS TO RESOLVE THIS ISSUE. They ALWAYS refuse to work with me about lowering my payments. I have been screaming out for help for 10 years and no one has helped me. I am tired of suffering like this. I need some help. This complaint needs to lead to changes at Navient and how they handle their customer service. It HAS TO CHANGE.
Product: Credit card or prepaid card

Customer paid XXXX by Credit Card to my company, on XX/XX/2019 in three different transactions. One for {$9200.00} the second for {$9700.00} and the third for {$9400.00} for the purchase of mirrors and shipment/insurance by XXXX XXXX, ( shipping comany ) to Alaska. Bank of America who my company uses for Merchant services  considered this fraud and asked for customers address and phone number. Both provided both to Bank of America. Bank of America then asked for customers ID, which my company also provided to Bank of America. 

Bank of America then called my company and spoke with owner and informed him they are putting Merchant Services on Hold for 60 days so they can do more research on the transaction. 

Numerous calls were made to Bank of America Merchant Service Fraud Dept by Office Manager with no answer and no response. Message left by Office Manager asking if we can refund customer. No return calls made. 

On XX/XX/2019 Office Manager for attempted to refund customer on XXXX  and refund was denied. On same day, XX/XX/2019 at XXXX XXXX, Office Manager placed a call to Bank of America Merchant Service Fraud Department, XXXX XXXX at XXXX, he did not answer so she left message for him to return call RE : XXXX transaction. Office Manager also called XXXX, bank representative that helped set up Merchant account. Neither XXXX nor XXXX returned call on XX/XX/2019. 

On XX/XX/2019, XXXX called company and spoke with Office Manager and informed her that Company account has been closed so the {$28000.00} has been placed in a Reserve Account for 90 days beginning XX/XX/2019. Office Manager asked XXXX if we can refund customer so he can pay with another form of payment and XXXX said she can NOT. Customer has paid my company {$28000.00} which has been charged to his Credit Card however my company has not received funding because Bank of America has funds in a Reserve Account until XX/XX/2019 therefore my company can not complete job that customer has already paid in Full due to no funding to complete job. Customer asking when shipment will be placed, has already been a moth. My company is in danger of being sued by this customer if we can not complete job that has already been paid for.