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

I sent {$300.00} to my son on XX/XX/2020 through Paypal. My sin never received the money in his account, but it was withdrawn from my bank. I sent another XXXX to him through another email that went through and he received. 

I have messaged, emailed and written 3 letters to Paypal. I have called Paypal but get a message saying they are too busy and it hangs up. Paypal will only tell me the money was sent, but not where it is. My son has checked both his Paypal and bank accounts and the money was never received by him. 

I am trying to get the money back, but Paypal has been less than helpful in resolving this issue.
Product: Credit reporting or other personal consumer reports

I want to be absolutely clearI did not authorize this company to access my credit report, nor did I have any interaction with them that would have prompted such a request. I have reviewed my records and can confirm that no application or agreement was made with this company that would justify them pulling my credit. This inquiry is entirely unauthorized, and I demand that it be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My personal information is incorrect. 
Employment information incorrect Address incorrect. 
Personal loan on my account that I never requested Name incorrect
Product: Debt collection

Also involves the phone number XXXX. 
I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to call me multiple times per day and 1/2 of the time their automated system just hangs up when you answer. The rest of the times the automated dialer tells you to hold for an important message and then you sit on the phone waiting for a representative who tells you that you need to make a payment even if you've already made an arrangement. they still continue to call me anywhere from 4- 8 times a day.

phone calls begin at exactly XXXX XXXX and continue throughout the day even if you've already spoken to somebody.

Also, I just made a payment two days ago and I am not even past due anymore but they still keep calling me
Product: Mortgage

I have already filed two complaints with CFPB about US Bank ( see previous complaint reports linked to my file ). CFPB did an excellent job of following through with US Bank, who promised to resolve the issue -- which US Bank did, only after being contacted by CFPB -- and removed my name and credit history from this HELOC. 
However, I recently started receiving letters, again, from US Bank, who are STILL TRYING TO COLLECT ON THIS HELOC. The letters come addressed to my DECEASED ex-husband at my home address. All parties involved have declared that I am not responsible for this debt, and my ex husband obviously is deceased. I have called repeatedly and told them this it is upsetting to have these letters continue to arrive in my mailbox. This debt should have been closed out years ago ( this has been going on for XXXX years ). I need them to STOP sending these form letters to my house.
Product: Debt collection

XXXX XXXX2016 a debt collection in the amount of {$530.00} was added on my credit report by the collection agency Receivables Performance. I have sent in 2 debt validation letters requesting they send me the original signed contract I have with them to validate the debt they have sent letters saying the debt was validating but I'm not provided the information as to how?.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Re : Identity Theft Report Account Fraud Notification Dear EXPERIAN, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XXXX NAME ON ACCOUNT : XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OF UNAUTHORIZED ACTIVITY XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : 1. Close or freeze the account to prevent further unauthorized activity.

2. Remove any negative information related to this account from my credit report.

3. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
FTC Identity Theft Report Details : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Transunion asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Transunion of the inaccurate information and I didnt receive it from Transunion. Since Transunion doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX Account Number : # XXXX****
Product: Debt collection

I received a letter from this company claiming they have a debt for me from XXXX. I wrote a letter asking them to validate this claim and requested specific information to validate it. When they sent stuff back to me, it was all over the place, didn't provide what was requested and included a terms and conditions for another card all together. I then sent them a formal dispute and cease communication request as they did not validate the claim. They sent another packet similar to the first that still did not validate the claim and did not acknowledge the cease communication request. They have ignored the letters and are stills sending stuff to me after the cease communication request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, Transunion, and XXXX proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB XXXX, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Product: Credit card

Here are the most recent charges ( I've requested my statements from previous years in which this has occurred ) : In XXXX, Bank of America again cancelled my autopay despite my regular use of my credit card. I've since accrued these charges because of their erroneous cancellation : Interest charged on purchases : XX/XX/XXXX - {$15.00} Late fee for payment due : XX/XX/XXXX - {$25.00} Interest charged on purchases : XX/XX/XXXX - {$3.00} Interest charged on purchases : XX/XX/XXXX - {$5.00} Late fee for payment due : XX/XX/XXXX - {$25.00} I called Bank of America a few weeks ago because of this issue, and was connected to a customer service representative who shared screen with me and noted that my autopay option has indeed disappeared for me as a payment option. She was not able to help me or reverse fees at that time.
Product: Checking or savings account

deposited a XXXX check from XXXX as I filed a compaint with CFPB against them for failing to pay me {$500.00} now I am trying to deposit that XXXX check made payable to me to directly to BOA. i deposited this bank check on XXXX. 

now i find out that BofA has the gull to hold on to that deposit for two weeks untill XXXX. 

i am now deciding wheather to close this account due to ourragious hold times. 

are they kidding? do they really want customers to stay with BOfA for XXXX XXXX hold times? 

they are already have a discrimination complaint from me CFPB are investigating. so this is obviously retaliation for that complaint.
Product: Credit card or prepaid card

Bank of American closed my business account with no warning and stole all my World Points dollars. I had done nothing wrong and this is not fair. If they will not reinstate the account, I would like the account reinstated if possible, and to at least have B of A cut me a check for the World Points they stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX ''
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothersome! The Credit reporting agencies have not yet complied with the Fair Credit Reporting Act section 605b and continued reporting the disputed Fraudulent accounts and information on my Credit File. I have read that the Credit Bureaus are required to remove any account and information that resulted due to Identity theft, under the Fair Credit Reporting Act section 605b. However, the Credit Bureaus have been ignoring my disputes and as well as the CFPB Complaints I have been submitting. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crime. I never authorized anyone to use my personal information to open or inquired about any account on my behalf and that the accounts were opened due to fraudulent transaction. I am submitting this CFPB Complaint to you today to request that the Credit Bureaus completely remove the disputed accounts and information that resulted due to identity theft. I previously sent a disputed letter addressed to the Credit Reporting Agencies with complete attachments of my personal identifying documents and I have been waiting for their response since then. The Credit Bureaus have failed to respond to my letters and have claimed that the disputed items were mine. By the provisions of the FCRA section 605b, I am requesting that the Credit reporting Agencies remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXXXXXX XXXX XXX Opened XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$8000.00XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$50.00} XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/year> I went to deposit my finances XXXX check to my account. They took my check and said it would take 7 days to clear and get my funds. We needed this money to pay rent and other important utilities. The check finally cleared and I received a message my account was restricted due to a third party check being deposited. I called multiple times just so they can tell me they can not give me our money until my fianc verified he gave me the check to deposit. I gave them his number and the person wrote the check number but they couldnt verify those were their numbers. Our phone plan is under my name but his caller ID shows his. After that I kept calling and calling, but nothing. Then we decided to go to bank in person with proper identification but still couldnt do anything. He took his id but were told the only way was through phone verification. We are worried because we need that money to pay things off. I tried everything I could do and dont know what to do. My account is closed and they are withholding our money. We cant afford to take another phone line out. I feel like chase isnt trying to help me find another way to Handel this problem. We need help.
Product: Prepaid card

I was given an Amex eGift Card on XX/XX/year> with {$550.00}. I have tried numerous times to make a purchase online and in-person and the transactions keep getting declined. I have called AMEX multiple times and can't get an actual person to speak to me. I've called the number on their GC site, XXXX XXXX XXXX called the number on the back of the card and can't get anyone to assist me. I've read only that MANY consumers are experiencing issues, however AMEX is going silent and is not helping solve the situation. I really need to use the money and can't which is not acceptable. 

Please help consumers get the money and demand better costumer service for GC purchases. Thanks!
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 four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX 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/year> 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 one 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 Experian 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 inquiries 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 60 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 RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.
Product: Mortgage

Mr Cooper mortgage company misapplied 5 of my monthly mortgage payments. 
I was told by several reps that there was a computer ( IT ) problem and that the payments were being misapplied. 

My monthly payment was partially applied to additional principal, which I did not authorize. Mr. Cooper would send me late notices and penalties due to their error. 

Eventually, I fell behind because they were misapplying my payments. 

I tried for over 7 months to get this straightened out to the point I had to get an hardship withdrawl from my 401k bring  mtg up to date. I was told by several reps and sent letters from Mr. Cooper that they were escalating my inquiry/complaint but it was never resolved. 
The last rep said if the mortgage was brought current she would have the misapplied payments applied to a couple of monthly payments. This never happened and all correspondence states it is in the research department. 

Mr Cooper has assessed attorney fees to me in excess of {$2000.00}. 

Also, when I went to make a payment the other day - my monthly is {$1500.00} and it said I could only make a payment for {$2800.00} there payment system is ripping off mortagees and we are held hostage when they say they will foreclose. 

By misapplying payments they can add fees/penalties/lawyer fees/ etc ... hurt your credit rating and I have spent over 30 hrs on phone trying to get this straightened out. 

Each time a rep tells me I will see a credit and it doesn't happen. As I stated above, one rep outright told me that it was Mr. Coopers fault and the problem was IT program and he suggested I called in each month to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.