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

I sold am item on XXXX being an XXXX XXXX and part of this condition was only shipping the item I sold to a VERIFIED Paypal member along with person having to live with in the united states. The auction ended and the person made the payment by PayPal. Paypal immediately put a hold on the payment to ensure the buyer got the item. The item was received proof of tracking # was XXXX by XXXX as this showed it was delivere and PayPal has this information. Now paypal is saying since it was shipped to the US and the buyer was XXXX that they are continuing to hold the payment for their safety. My issue is why did paypal take this payment in the first place if this was going to be an issue. They not only changed me the normal fees, but I can gurantee they are making interest off the money until they if ever release the hold on the payment of XXXX. The date the buyer sent payment was XXXX XXXX. I shipped the Item on the XXXX and he received the item on the XXXX. The payment Payment ID is the following XXXX. I am asking Paypal to IMMEDIATELY release this payment as they made me the creditor where it is their business model and I should n't be the creditor as I shipped the item and the person received the item as promised in a timely manner. This is unacceptable as PayPal wants to have their cake and eat it to and leave the responsibility to the seller and not take any blame on themselves. If they do n't want foreign transactions they could of simply blocked it and saved me a ton of headaches. The person has the item I have nothing other than a hold on they money the buyer sent me. This is an awful was to conduct business
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXXXXXX XXXX  and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXX the next payment that they listed as past due is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has  XXXX  accounts on my credit report that are reporting inaccurately. There is collection with a company that I have never heard that is on my file erroneously. I have an account with  XXXX  that states there is a late but I never was, and they will not show me proof of the account ever being late. It was paid in full never late. I also have a student loan account that is reporting multiple accounts with the same account number and has  XXXX  lates which is inaccurate. I have provided a letter to show exactly was is incorrect and a letter from the student loan company that shows that my account was never late. I have attempted to contact both Transunion and these companies but no one is answering me and are not accurately reporting my credit report.
Product: Checking or savings account

on XX/XX/XXXX, XXXX I deposited to Chase bank {$2900.00} cash to use ATM machine at XXXX XXXX XXXX, XXXX CA XXXX 
At that time, money was jammed, and the machine just printed one reciept and fail to deposit. The amount of money ( {$2900.00} ) didn't show up on my account. So I opened the claim with Chase customer claim department, and after 11days, they said the case was denied because they couldn't find any trasaction about my debit card at that day on that ATM machine. So I visited the chase branch and ask to help, but they can not help anything about ATM machine. So I am requested help to CFPB to fine my money back. This money is my rent, utility and all for living but I can not pay anythkng so I am having difficulty to live. 

I will give the information on the reciept which was printed out that time : AID # : XXXX Term ID # : XXXX Sequence # : XXXX Card # : XXXX deposit to check account XXXX
Product: Mortgage

I have been trying to get this modification on my mother 's reverse mortgage. I want to buy the house back from PHH. An I hired my lawyer at XXXX XXXX XXXX. They are trying to get this done. The haven't gotten any response from the mortgage company, PHH Can you or anyone demand they communicate with XXXX XXXX. 
an as I am waiting again to hear from them, along with the XXXX XXXX. 
This is stressful I don't want to lose the house my grandparents had then my parents had. 
I have the home in my name, just trying to get a modification done. I have sent all the paperwork they've asked for. That was around XXXX XXXXEven before XXXX.really. I have all the paperwork from PHH had me do. And the law firm XXXX XXXX has sent things to do this, and they don't respond. 

PHH mortgage company- reverse XXXX XXXX my Lawyer when you call PHH you get someone in the Philippines.They dont know what's going on
Product: Credit card

Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! 
Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}
Product: Debt collection

I c system just popped up on my credit report. This is not my debt and I don't owe this debt. I have been a victim of identity theft and my information has been exposed to a data breach. This account needs to be removed immediately off ALL credit bureaus
Product: Mortgage

I was XXXX with XXXX on XX/XX/XXXX. I was in quarantine and I lose my job for three months. After I start working part time job. I can't pay my mortgage for : XXXX, XXXX, XXXX, XXXX and XXXX of 2020 I was enrolled in Covid -19 Payment Relief Program. 

On XX/XX/XXXX of 2020 Select Portfolio Servicing Inc. offer me a Trial modification Plan. was all payments successfully made. 
On XX/XX/XXXX they asking me for Flood coverage insurance Policy I summeted to them same thay. I called them next day to make sure if they received and they said yes we got it. Just wait we will call you if we need any additional information. 
I called back on XX/XX/XXXX and they said .... You need to summite to us a proof of your Flood Insurance Coverage. I faxed to them same day. I call back in couple days to make sure how is going my modification. They said everything is ok, we will call you. 

I call back on XX/XX/2020 they told me This case is CLOSED because you never submitted a proof of Flood Insurance Policy AFTER that they said the Insurance Coverage is not enough. My insurance agent called them and they see the coverage is enough is greater than loan amount. The mortgage Company told me they will review. 
On XX/XX/2020 I called them and they said this case is close. This company give me a hard time and I don't know what to do now. They denied my modification before I start. They have a plan to follow up and do your dirty business. Every time I call they have different stories. They are not transparent.
Product: Checking or savings account

On or about XX/XX/XXXX, received mail from Huntington Bank congratulating me on opening a new account. I did not open any accounts with that bank. 

On XX/XX/XXXX I contacted Huntington via phone and spoke with a representative. She said the account would be closed. At that time I was aware that a checking account and potentially a debit/credit card had been issued in my name. 

On XX/XX/XXXX, I received a statement from Huntington showing accounts were opened for both savings and checking, although with no transactions from XXXX XXXX XXXX. That suggest XX/XX/XXXX may have been the start date for the fraud. 

On XX/XX/XXXX I called Huntington but phone issues prevented the callback ( 50 minute wait ). I sent a note to the Huntington fraud department via their email address from the website detailing the situation again. 

On XX/XX/XXXX I called again and spoke to another representative who said the account should be closed, and not to be concerned if there was no activity. To date there has been no correspondence from Huntington whether the fraudulent account was closed, or when it might be closed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the consumer credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Debt collection

ECR called me from their phone number XXXX to my phone number XXXX. I asked for their address and they refused to give me their address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have all failed to show me the LAW ( not code, policy or statute ) that gives them authority over a man or provided a wet ink contract I have with them that gives them authority to post information on the internet or give them a right to cause me financial loss, injury and harm when I do not owe any of these companies any kind of money or caused them loss, injury or harm. These XXXX  companies will have 21 days to remove information I tell them to remove or I will be filing a monthly TORT CLAIM in the amount of {$300000.00} for stealing my TRADE MARK/TRADE NAME - IDENTITY THEFT ( taking my info a using it against me causing me loss, injury and harm ) - ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT _ DEPRAVATION OF RIGHTS UNDER COLOR OF LAW ( 18 USC 242 ) among other UCC/USC Violations . 
ALL THREE CREDIT BUREAUS are ordered to remove XXXX, XXXX XXXX, XXXX XXXX XXXX AND XXXX off my LEGAL FICTIONS/DEAD ENTITY REPORT - XXXX XXXX XXXX XXXX these companies will need to compensate me monthly for the abuse. THEY ARE ALL ON XXXX NOTICE AND XXXX  NOT PLAYING GAMES.
Product: Debt collection

I settled my balance with Capital One on XX/XX/XXXX. The balance was : {$11000.00} and the settlement amount was {$3600.00}. The confirmation number for this settlement is # XXXX. This amount was withdrawn from my bank account on XX/XX/XXXX. ( see attached letter ). After that Capital One claimed I still owed them the unpaid balance of {$7800.00}, even though case was settled in FULL. I called Capital One to confirm our settlement, but they referred me to the law firm listed below, saying I need to talk to them. Which I did and then they sent me back to Capital One. Basically getting the runaround from both companies. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, XXXX informing me that a lawsuit was filed against me in XXXX Supreme Court. Capital One is attempting to collect this debt. This lawsuit is having a negative impact on my credit and is causing me tremendous financial hardship and stress. I did my part and settled my FULL balance as per agreed settlement with Capital One.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed into sending partial of my closing cost to a fraudulent account through wire transfer. 
The amount was {$33000.00} Thankfully the receiving Bank was XXXX  and the froze the fraudulent account and held the money. 
My bank which is Truist claims that theyve been requesting the money back but chase bank is also claiming the they havent received a request from Truist. The frustration for me is there nothing I can do on XXXX  side because Im not a member at XXXX and I really cant trust their communication with XXXX on the line
Product: Money transfer, virtual currency, or money service

I received a notice that a charge of {$550.00} had been made to my XXXX account, which I did not make, so I called XXXX and was told they would refund the charge immediately. They took the notification reference and proceeded to take action and transferred me to the refund department. The guy they ask to be allowed to refund the money directly to my bank account. During the refund process, the person said he made a mistake and refunded too much, and I needed to transfer that money back to XXXX. My checking account immediately showed the overpayment on the screen, and since I was in my bank account, my account showed an increase in the overpayment on the screen. The balance on the screen, which I thought was in my actual account, had doubled, showing an increase of {$14000.00}. I sincerely thought the money was in my account because of the screen shot which I wasn't aware of at the time. So, I was asked to wire the XXXX back to XXXX, so I did, thinking I needed to give back the overpayment. 
I was instructed to send the wire transfer to an account in the same bank, so I did, thinking it was legit. 
I filed a claim with Bank of America, but after 60 days of investigation, Bank of America denied my claim, stating that I was at fault and had authorized the payment. So they denied my claim and closed it. Unfortunately, I lost {$14000.00}, which the bank considered. I gave my money to a scammer. The scammer downloaded an application on my desktop so they could see when I was in my bank account. I put a hold on my account for the 60 days they supposedly investigated the scam. The scammer blocked the correspondence I received in my email from the bank on the day of the scam. I didn't receive any message from the bank until several days later, during a search on XXXX I found an email stating they had added the scammer had been added to my list of payees. 
I don't know who this guy. I had never wired money to anyone before this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX  -2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Student loan

I came off of forbearance with Navient and was told my payments would start XX/XX/2018. I went back and forth over a period of 2 months trying to get my account in an income sensitive status to lower payments. When it finally went through it was XX/XX/18 and then they immediately sent an alert on XX/XX/18 that my payments were overdue. How could my payment be overdue when my account was just fixed? Plus, again I was told it wouldn't start up until XX/XX/XXXX. Now they are telling me the agent that said XX/XX/XXXX might have made a mistake. This is unacceptable. They then told me after putting me on hold for 40 minutes that an advocate would get back to me. I am sick of getting misinformation and misinformed from Navient. I have XXXX XXXX and they always XXXX me out. I am doing everything on my end. How is it that they are able to get away with this kind of behavior.
Product: Debt collection

I signed up for XXXX XXXX XXXX in XXXX of XXXX. Its a XXXX XXXX product. The company went bankrupt a month later. Healthcare Finance Direct was a separate company responsible for the payments for XXXX XXXX XXXX. XXXX is forcing me to pay for the treatment that no longer has any support and for a product that no longer exists. They are threatening me to send my debt to collections if I do not pay. The contract I signed for XXXX XXXX XXXX guaranteed support, customer service, and guidance. Im no longer receiving any services promised when I signed up for XXXX XXXX XXXX and i am completely on my own regarding the treatment. We were also promised a lifetime supply of retainers once we complete treatment, but the XXXX  is out of business. The contract has been breached. My XXXX  also do not fit. Ive requested to cancel my account and they have denied me and continue to force me to pay for a medical product that has zero support behind it.
Product: Debt collection

I have disputed this account at the credit bureaus several times over the last 6 months for them to verify this account and show me proof of my signature and that this is a valid account. I do not even know what this account is. I have also sent out 2 certified letters directly to Jefferson capital over that last 6 months to verify my responsibility and send proof this is my account and that they have the right to collect on it, They have not responded to any of my request and are in violation of the FCRA as well the FDCPA. This has caused me issues obtaining credit and is incorrectly affecting my credit and my ability to obtain a job.
Product: Credit card

On XX/XX/2023 I received a random ACH to my personal savings account in the amount of {$17000.00}. I called every brokerage and online account I use and no one could account for this transaction. The bank provided a phone number of XXXX XXXX XXXX which was a recording requesting personal information which I was not comfortable providing as this seemed liked a phishing attempt. In XX/XX/XXXX I received an alert from XXXX XXXX stating my credit score had been critically comprimised due to a revolving trade grossly exceeding it's limit. I immediately logged on to my US Bank account to find a random credit charged to the account in the amount of {$17000.00}. My balance at the time was {$8000.00} which put my new balance at {$25000.00} well beyond my limit of {$17000.00}. I spoke to multiple people, managers, supervisors trying to rectify the issue to no avail. I have since paid the balance in full but US Bank had no right to damage my credit and authorize a charge over the limit. 
Please let me know if there was anything Illegal beyond the unethical way in which this was handled. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False Employer listed - XXXX. 

I do not, nor have I ever, worked for this employer
Product: Debt collection

I got an notification from my credit report company that I have a debt collection. After checking the credit report, there is a company called credit control service wants to collect a debt that I dont even know. I called the credit control service company and they told me they received the collection request from a company called XXXX XXXX XXXX. However Im not XXXX XXXX  XXXX  customer nor purchased any product from this company. I called XXXX XXXX  and they confirmed there is no policy number/information under my identification.
Product: Debt collection

I believe this place is the Midland Credit Management. They call back to back and do not leave voice mails they just call repeatedly. I answered one call to see who keeps calling and they hung up on me with no answer I block one number and they use a new number its a never ending cycle. They have multiple complaints online for using extreme harassment by non stop spamming calls and not leaving voice mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Lexis Nexis has lied about the verification and I have recently discovered that there is unauthorized information in my name being used on credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card

On XX/XX/2023 I was wrongfully billed by XXXX. I called XXXX right after the charge. They refused to credit me. I emailed them the same day and that didn't help either. I contacted Capital one for help. I called Capital one because I didn't have certain things that they asked for to progress the dispute. I told the guy that I didn't have certain things because this was a random unauthorized transaction. All I had was the email ( I still have ) I sent XXXX right after, explaining what happened and to cancel the transaction. The gentleman told me that it would do to send a letter and enclose the email proof. I did so but instead of reading the letter and helping me at all. Capital one rejected my dispute and sided with XXXX. This is so wrong I have been an XXXX customer to Capital one for many years.