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

On XX/XX/year> I bought online a copy of XXXX XXXX software and when I loaded it into my home computer, it was stuck and after that a representative of a company named XXXX. contacted me, introduced as a service company for XXXX software and offered to load a version of XXXX software which would valid in XXXX years and he would charge me {$290.00} including XXXX software update. At the end, I paid him {$290.00} via PayPal which would pull money out from my XXXX personal checking account. On the same day of XX/XX/year>, a debit of {$290.00} has been pulled out from my XXXX account. 
I had a trouble shortly after that with the software so I called XXXX Customer Service and I was surprised that a XXXX representative informed me that XXXX. is not an official representative of XXXX and perhaps a scammer. I called my XXXX bank to inform and ask for help, at the same time I sent a dispute to XXXX. about the suspected service. On XX/XX/year> XXXX. company agreed to refund me and sent {$290.00} back to PayPal and it appeared on my XXXX account on XX/XX/year>. Also, on the same day of XX/XX/year>, I received a momentary loan {$290.00} from XXXX bank ( XXXX same amounts noted on different ways ). On XX/XX/year>, XXXX bank pulled back {$290.00} which they let me borrowed. 
The problem is that on XX/XX/year>, PayPal asked me to load an amount of {$290.00} as a top-up money and on XX/XX/year>, I innocently loaded {$290.00} ( believing that I still have {$5.00} reward money in my account to be {$290.00} exactly ). 
PayPal later claimed that they have returned the amount {$290.00} TWICE into my Chase account and USED THIS AS A REASON TO NULLIFY MY ACCOUNT AN AMOUNT OF {$290.00} ( {$290.00} from my Debit Card and {$5.00} I had as a reward ). I checked with my XXXX bank transactions and found out they returned only ONCE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : XXXX, XXXX, and Equifax. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.
Product: Debt collection

I got a new inquiry on my credit report today. I looked at it. It was a debt collection for {$1100.00}, negatively impacting my credit score. I called the phone number. The lady asked my first name and amount owed. Then she asked how I want to pay for the debt or remove it. I responded by saying that I first want to know what it is even for, so I know how to respond. She would not continue any further unless I stated how I want to resolve this debt owed. I again ( 2 ) in circles with her, wanted to know what its for first. She would not tell me. I hung up, looked at my credit report again and discovered that its the exact same amount for an old XXXX XXXX debt that was attempted to be collected by a company going by a different name. I realized that my credit score is being hit twice by 1 debt collection. Maybe from a new collector that bought debt from a new an old collection.
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. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 opened a SunTrust  checking account on XX/XX/2021 with opening deposit of {$100.00}. I deposited a {$1400.00} check on XX/XX/2021 at a local branch and was immediately notified by mail that a 10-day hold was placed on the deposited funds. I lost online banking access to my accounts shortly after making the {$1400.00} deposit then received a letter dated XX/XX/2021 notifying me that my account had been closed by SunTrust  's fraud operations team without cause. The letter stated that my remaining balance would be mailed within 5 days. On XX/XX/2021 I received a check for the {$100.00} opening deposit and upon calling SunTrust to check on the remaining {$1400.00} balance to be refunded they explained that I needed written letter on the issuing bank 's ( XXXX  XXXX XXXX XXXX letterhead stating that the funds were truly intended for me. I called the issuing bank with a SunTrust  representative also on the phone with me on XX/XX/2021 and the issuing bank declined to release any information regarding their accountholder 's account other than that the account existed. 
The funds have cleared the issuing bank and the 10-day hold period has expired. 
SunTrust  's actions seem to be in violation of Regulation CC as they have exceeded the initial 10-day hold period and failed to notify me of any additional holds. Since it is the issuing bank 's policy not to disclose the confidential client information SunTrust  is requesting of me in order to release the funds, I am not able to access funds that are rightfully mine and in SunTrust 's possession.
Product: Mortgage

I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 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 Balance : {$8900.00}
Product: Mortgage

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Product: Debt collection

Launch Servicing has been reporting a alleged debt on credit report. I never received notification stating that they would be placing this debt on my credit report and my right to ask for validation. I asked this company for validation of debt on XX/XX/22 since they have been continuing to verify this debt as accurate with the credit bureaus. I sent this certified mail I received my return receipt on XX/XX/22 that this company signed and received my request. I never received a response from this so I made a second attempt to request debt validation on XX/XX/22. I sent this certified mail as well I received my return receipt on XX/XX/22 that this company signed and received my request. Here we are XX/XX/22 and I have yet to receive my request theres no creditor listed on this account that has been placed my credit report which is a violation. I also have reason to believe that they are reporting a duplicate account on my XXXX credit report under the company name XXXX which is another violation. Both accounts show the same account number, open date, amount owed, and the same exact company address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1600.00} XXXX XXXX {$940.00} Same company Two separate accounts. These accounts have been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX ... PayPal email associated is XXXX. I have a balance of {$4100.00} usd remaining in my permanently limited PayPal account. I am not satisfied with the account limitation placed on my account because I dont feel as though I have breached the Pay pal terms and conditions or the the user agreement guidelines. I have tried with several attempts to contact someone with PayPal to assist with my current problem. Nobody seems to want to help. I already completed 180 day hold term not only once but nearly twice now. If there is any way someone can help me with assistance on getting PayPal to restore my account or making my funds available to transfer? I dont even want to continue do any further business with them. I will close the account as soon as my funds are withdrawn. The only other people I could think of contacting about this issue is the XXXX. My name is XXXX XXXX XXXX XXXX I will be attaching my Identification card photo and a case reference number as well XXXX is my contact number. Thanks whoever this may concern for considering my request for help
Product: Mortgage

XX/XX/year> - applied for primary home mortgage refinance to Navy Federal. Submitted most of the required documents the same day. 
XX/XX/year> - submitted Notice of Intent to proceed with application. Received a loan estimated from Navy Federal. Additional documents requests were received and the requested documents were submitted promptly. 
XX/XX/year> to XX/XX/year> - numerous requests for additional documents were received. Each request was promptly satisfied. 
XX/XX/year>- received a call from the loan processor that the underwriter has denied the mortgage application on the ground that the borrower has a joint bank account with his son ( XXXX XXXX XXXX who jointly owns a house. The bank refuses to verify that the son 's mortgage is paid by the son himself from his own income and considers the son 's mortgage payment as borrower 's liability. As per Navy Federal Bank, this is the grounds for denial of borrower 's mortgage application. 
It has been almost 5 months since the application process began. The bank has found numerous ways to make it difficult for the borrower to proceed with the loan application. Everytime, the borrower satisfied the bank 's request for documentation, the bank came back with new questions and new requirements. The bank was provided the requested son 's bank statements on XX/XX/year>. However, the bank informed the borrower on XX/XX/year> that those statements are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBY  has not reported the correct balance to credit bureaus since XX/XX/XXXX. I paid the remaining balance off on XX/XX/XXXX. I called CBY to confirm. I was told that they would contact the original creditor ( XXXX XXXX ) to let them know the balance has been paid. The lady also told me to give it about 15 minutes for them to contact XXXX XXXX. I never received a call back from anyone. I was required to pay in order to get my XXXX done. 
Today, XX/XX/XXXX, XXXX XXXX called me to schedule my appointment for my XXXX and then said they couldnt schedule me because their billing office has a block on my account because XXXX never called to confirm my paid in full balance. I called CBY and was told once again that they would call XXXX XXXX to confirm the balance was paid. It was never done on XX/XX/XXXX! Once again I was told to give it about 30mins and CBY would call me to let know that they have contacted XXXX XXXX. For the 2nd time I didnt get a phone call. 

I am not sure what type of game this company is running but I want this situation fixed. My XXXX is DESPERATELY needed and CBY does NOT care at all. They had no problem calling me in XXXX asking for a payment. I was able to make one in XXXX due to XXXX and was on a leave from work. Legal measures will be pursued if these issues are not addressed. The older lady I spoke with on both occasions had been so sweet and I tried not to get upset with her. I know its not her fault. I want CBY to contact XXXX XXXX and confirm my paid in full status. Im addition to this action, this account needs to be removed from my credit report immediately due to not reporting accurate information to the credit bureaus.
Product: Credit card or prepaid card

I have had this card for over 2 years. Originally I had made a balance transfer and was informed that I had 2 years that I wouldn't be charged interest after one year they charged me all the interest from the balance transfer along with the percentage for the balance transfer for not paying the balance off in 1year. ( I was informed 2 years ). Called in and they basically said nothing could be done we mailed you the terms and conditions. I recently called requested a Supervisor I received a letter saying my Card will be increased even more in Interest. I called customer service and they said basically the cost of living and that Everyone is getting an increase. The supervisor call backs are in odd times where I am not available. I have called to try and work out a payment plan my minimum balance is way too much I am the only income in my home and XXXX ago just got a job I managed to pay my minimum during the pandemic even while unemployed Because my credit is important to me. The company has not worked with me to check about my original balance transfer promo period that charged back all my interest or help with my payments. Please assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXata breach and may have got into the hands of the wrong person.
Product: Credit card

I had an issue where I had mistakenly paid my {$2500.00} Credit Card bill with an incorrect bank account. 

I have a savings account with American Express that I don't use anymore. However I had mistakenly chose this bank account to pay from instead of my normal day to day bank account. The payment did not go through and when I received the email informing me of this, I realized my mistake and immediately contacted American Express support through their Chat function on XX/XX/XXXX. 

I was advised to wait XXXX hours and the amount should show up as my " owed '' amount and I can then re-make the payment. This was incorrect as this never happened. 

I contacted American Express support again on XX/XX/XXXX and they advised me to go to my bank and make a payment right to my card number and use that as an account number. However this is not a common payment method in the US because we use ACH payments. And without a routing number this was not possible from my bank. I explained this to the representative and they transferred me to someone else that said to call them and provided a number. I was clear when I advised the support person I would not be able to call until later after work. 

When I did call after work, I was told that they could not help me at all and that there was now a hold placed on my card because the money has not gone through. I had advised all I wanted to do was make a new payment from the right bank account to clear this up and they said that would not be possible. I asked for a manager and the manager was able to process a new payment for the amount from the correct bank account.

So I was given incorrect information three separate times. 

I also want to note that I am currently in XXXX Texas for work and I live in XXXX XXXX Florida. I advised the American Express support person that they can clearly see charges from XXXX TX and they know I live in Florida. If I would not have pushed the subject, I would have been without food, water, or a way to get home. 

I asked for a refund of the returned payment fee due to the overwhelming stress this has caused me but they had denied this request. The fee was {$29.00}. I would have been without food or water for days, so my safety and health is not worth {$29.00} to American Express. 
I then asked for a transcript of the Chat to which the representative said they do not provide copies of the transcript. So I can only see it through my American express account and can not download it for sharing with you today. 

My complaint is alleging that American Express was going to leave me stranded XXXX miles away from home without food or water, meanwhile all I wanted to do was pay them what I owed them. This was by far the worst customer support I have ever experienced. 

I had also asked the supervisor if this violated any Regulation-E rules to which they responded that they did not know what Regulation-E was. Every Financial Institution in the United States needs to know what this is and they don't.