23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018.
Product: Debt collection

PAYPAL INC by mistake deposited the amount of approx {$1200.00} in my personal ; bank account, I spoke with two representatives and one supervisor about this problem and PAYPAL instructed me to submit a personal check to the PAYPAL Accounting Dept. Thus, immediately after, I returned the funds four weeks ago via personal check.

I have mail confirmation that they received the check in full payment.

However, PAYPAL is making collection calls asking for the payment of {$1200.00}. I offered to place a stop payment on the initial check and send another check or provide my check number and bank information for PAYPAL to take the funds. However they blatantly refuse. Instead PAYPAL insist that I must open a PAYPAL " cash account '' with them in order to make the payment. This is a unfair practice an illegal. PAYPAL is forcing me to open a PAYPAL " cash account '' or run the risk of being reported to Credit Bureau. Thus, illegally gaining additional business - from the " error. ''
Product: Credit card or prepaid card

I have a CitiCard which has been now been compromised for the 2nd time in 28 months. I received a call on Monday saying they denied a charge in the XXXX for {$45.00} and asked if I'd made a purchase. I said I had not. They said they had to cancel the card and reissue a new one. I said they needed just to block it as we did two+ years ago. I just received a new card at the end of XXXX due to the expiration date. Today I received another call regarding a charge yesterday, also in the XXXX and it's for {$32.00} and some cents. Again they said it had been declined ( card was blocked on Monday ) and that they need to close the account. I informed them that the last time I allowed that many, many years ago, it showed on my credit bureau report for years as just another account which hurts a credit score. They deny that but I know I'm correct. This person, today, then informed me there were FIVE charges in XXXX on XX/XX/XXXX, each for {$45.00} and that I can't dispute these charges because the account has to be closed for that to happen - they can't access a blocked account to dispute charges. Funny that the charges made in XXXX of 2016 have the same scenario and those charges were disputed. Obviously CitiBank is wanting me to open a new card for some reason. The only legitimate charges I've made on this card are " XXXX online '' and " XXXX XXXX  '' online. The pin changes when a new card is issued so it's one of these companies or the company that prepared the replacement card. The only reason I didn't cancel CitiCard years ago is because it hurts a credit rating. XXXX XXXX XXXX (? ) credit card was closed months ago because XXXX XXXX went bankrupt and closed all the stores. If I close this one, it will show up without the explanation. I need help or I need to file a suit against Citi Bank. In 2016 I opened a XXXX Visa account so I could abstain from using Citi. I began to use it to prevent them from closing the account. I'm quite proud of having a credit score of over 800. As a matter of fact, Citi provided this to customers and I believe the last one was XXXX.
Product: Checking or savings account

I treid to change my main mobile phone number from XXXX XXXX XXXX to my new phoen XXXX XXXX XXXX but the system didnt allow it saying that the phone numer is assigned to another account. This is a new phone nd XXXX done have it registered to another account at capital one. 
I called customer service and they couldnt help and wstes around XXXX minutes with the representative. 
If the bank as error on their system is a bank issue and not customer issue.
Product: Credit card

This incident happen in XX/XX/2017 and also one time over a year ago. I had a balance of less than {$50.00} with Macy 's Credit Card. I attempted to pay the full balance online and I paid either the payment due or the current balance. Even though I paid the balance before the due date I accrued less than 1 penny interest in the billing cycle and by the terms and conditions of the account was billed a minimum of {$2.00}. I complained each time and the store reversed the fee. I do n't know what would have happen if I would not have complained but most likely I would have continued to receive a fee for {$2.00} every month. 
The problem is that the minimum balance shown on the payment web page does not display 0 to 30 days of accrued interest and thus results in a {$2.00} fee even if a person selects the pays current balance option. The web pay system does not allow one to pay the {$2.00} fee in advance. My concern is that if this happens to other clients it may go unnoticed.
Product: Debt collection

SECURITY COLLECTION AGENCY attempted to collect a debt in XXXX through aggressive and harassing phone calls. The debt, {$170.00}, had been paid to originator in XXXX. SECURITY COLLECTION AGENCY has submitted a claim on my personal credit asserting that the debt was owed and paid off in XXXX. They seem like an utterly scummy and fraudulent firm.
Product: Bank account or service

XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to XXXX and never received anything.
Product: Payday loan, title loan, or personal loan

My partner XXXX XXXX XXXX XXXX and myself ( XXXX XXXX ) purchased a two-family home earlier this year and shortly after were contacted by XXXX  XXXX  offering us their services that were financed through Dividend Finance. While we felt the salesperson was pushy and pressured us to sign the contract, we still believe purchasing solar panels are a good decision for us. 

Dividend Finance 's contract with us noted that project funds would only be disbursed approximately 60 days after the solar panels were installed. However, Dividend Finance 's protocol in ensuring that panels are installed is problematic. Namely, Dividend Finance will fund projects without confirming with the borrower, but only the contractor. According to Dividend Finance, a project is considered " installed '' as long as the solar panels are on our property. That means, even if the solar panels installed are defective or installed incorrectly, Dividend Finance considers this a completed installation and funds the project. In our case, XXXX XXXX incorrectly installed the panels, such that there is no reasonable way to expect them to work as intended. However, XXXX XXXX told Dividend Finance that the project is complete and now the projected is funded. I have contacted Dividend Finance twice letting them know this issue, however they said as long as the panels are on the property, that is considered an installation. However, as a consumer, I believe it is not unreasonable to expect that an installation would constitute a " proper installation '' and not simply placing the panels onto my roof. 

A quick XXXX Search or search on the XXXX  will show that this issue is rampant with solar loans issued by Dividend Finance. 

I hope that CFPB can investigate this situation and make sure that other consumers do not get affected by this.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Dispute and Demand for Transparency of Investigation.

I am writing to formally dispute the accuracy of information reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified discrepancies in the information furnished by these entities and request a thorough and transparent investigation into their reporting practices.

Pursuant to **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, I am entitled to a reasonable reinvestigation of any disputed information, and I request that you provide the methods, procedures, and findings of your investigation in accordance with **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) **. Additionally, I demand the following : 1. **Verification of Information : ** Provide documentation proving that National Credit Adjusters XXXX XXXX XXXX  XXXX and XXXX have properly validated the debts in compliance with **15 U.S.C. 1692g ( b ) ** under the Fair Debt Collection Practices Act ( FDCPA ).

2. **Transparency in Investigation : ** Under **15 U.S.C. 1681i ( a ) ( 2 ) **, I request detailed disclosure of how the information was verified, including the sources of verification, investigation procedures followed, and any supporting documentation used to verify the accuracy of the reported information.

3. **Deletion of Inaccurate Information : ** Should your investigation reveal that the disputed accounts can not be verified with reliable documentation, I request their immediate deletion from my credit report in accordance with **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **.

4. **Compliance with Metro 2 Guidelines : ** Ensure that all furnished data adheres to the Consumer Data Industry Associations ( CDIA ) Metro 2 format standards for reporting accuracy and compliance. 
If these entities are unable to provide verifiable and legally substantiated proof of the debts reported, I expect the disputed accounts to be removed promptly to comply with federal regulations. Please provide a detailed written response within the 30-day timeframe prescribed under **15 U.S.C. 1681i ( a ) ( 1 ) **.

Failure to comply with these federal requirements may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and a resolution in compliance with federal law. 
Sincerely, XXXX XXXX Social Security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian is reporting a bankruptcy on my credit report. This is inaccurate and is not my account. I have disputed this item several times with the credit report. This inaccurate bankruptcy was removed from my XXXX  credit report.
Product: Mortgage

We have a mortgage in California. We are in a flood zone and do have a flood insurance policy that we have always paid on time. We recently refinanced our mortgage and it funded without issue. 3 months later, our mortgage company is claiming that we have to have our food insurance impounded with our mortgage payment, that it 's the law in California and this law went into effect XXXX/XXXX/16. We had a mortgage through another lender and have never been told that we had to have our flood insurance impounded, nor did we. 
We have current flood insurance that is fully paid for the year and we do not want to have our current mortgage holder try to charge us late fees or ruin our credit over this. How do we proceed?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I apply for a XXXX XXXX job online through a XXXX XXXX link and I put all my personal information on it. On XX/XX/year> I received a offer from XXXX XXXX and he explained what the job was and I fell for it. I didnt know the job was going to be a fraud because I trusted this link from my school page. When I received the ticket on XX/XX/XXXX I used my mobile Bank of America to deposit the check because I was just following intructions from the person that I was going to work it. A couple days later my account was close because of a fraud and I didnt know what happened until now because Bank of America refused to tell me what happen. I never contacted them again. A couple weeks go I was trying to open a Bank of America with XXXX XXXX  and they say I had a restriction on it.the first thing that came in mind was what happen on that XX/XX/year> because only had Bank of America.
Product: Credit reporting or other personal consumer reports

I am not liable for this account with XXXX XXXX XXXX i have no knowledge of the account, or have I signed a contract with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 have made over a dozen transactions selling items via PayPal, in 2021. Every time sell an item and get a payment I am told my money will be held indefinitely until the buyer receives my item and has an opportunity to verify that the transactions aren't unrecognized. The last two months I have barely sold more items than I did earlier in the year, but the items are higher in value. PayPal has missed the payout date multiple times. Everytime I speak to an agent I get told different reasons for why my money is being held. One agent said I personally had limited transactions, one agent has told mey buyers have limited transactions, one agent told me everyone gets their money held and one agent told me that it's because I had never sold an item of such high value before. I get lied to at every turn of the way with PayPal. They have held over {$1100.00} for two weeks, now they've had {$630.00} for going on two weeks. It's apparent that they are holding money to draw interest on the funds, as if the fees they charge aren't enough to make money. Even an item that I sold on XXXX XXXX, which has its own escrow service built in, is having the payment held through PayPal while they collect interest on my funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I never owed this debt. It was done in retaliation to a bad review due to not having AC for over a month starting the first day we moved in. Manager said she was a lawyer and could do what she wanted.
Product: Credit reporting or other personal consumer reports

I have attempted twice to get addresses that are inaccurate and NOT MINE off of my Experian credit report. They refuse to delete and keep updating the information. I have provided my driver 's license as proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act Convergent Account ''US DEPT. OF EDUCATION/XXXX  '', XXXX XXXX '' and has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

When my mother passed, I inherited her property. I received the deed a few months after her passing. I worked out a modification with the original lender, XXXX, and was paying as agreed upon. Eventually, my loan was sold to Selene Financial. I entered a new modification plan with them and was paying as agreed. My payments were to be around $ XXXX/mo ( with taxes and insurance escrowed ). Unexpectedly, my mortgage doubled to around $ XXXX/mo with no explanation. The mortgage statement said that my escrow was - {$4200.00} which i would take that to mean that they paid the taxes and insurance but after speaking with the county, Selene never paid them. I had to pay my taxes and insurance out of pocket. They are no longer accepting my payments and they are not honoring the modification.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has citied technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to insure my rights are upheld. Thank u
Product: Debt collection

i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX I OWE NO DEBIT AND I REFUSE TO PAY, NEVER DID BUSINESS WITH XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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