23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing this email to file a formal complaint. On XX/XX/XXXX, I went to an ATM to withdraw {$400.00} out of my account like I did days prior. I discovered that I didn't have enough money. When I checked my app I discovered that a total of {$6100.00} was transferred to XXXX XXXX to his personal account. I do not know anyone by the name of XXXX XXXX. As soon as I got home, I called to file a complaint. A dispute claim was started on XX/XX/XXXX and I was sent a new card. I was also told that I will be sent documents to fill out and that I was to return the forms within XXXX business days. I received the documents XX/XX/XXXX, I filled them out and sent them back by certified mail on XX/XX/XXXX. Documents were also sent via fax just in case somehow they got lost in transit. According to the documents, investigations could last between 60 to 90 days. On the same day XX/XX/XXXX, I got home from the post office from sending the forms and I discovered a letter from the dispute team stating that the dispute claim was denied on XX/XX/XXXX. How can a dispute claim be denied within XXXX hours when I never even got the paperwork to be filled at that time. The forms are probably still sitting at the post office and the faxed forms are probably sitting in their fax machine. I called the number on the letter and it kept hanging up on me saying that the card number was incorrect. I called the number on the back of the card and was nicely greeted by a customer service representative, XXXX, who stated that according to the notes it was denied because " the money was sent to the person it was intended to, XXXX XXXX ''. My name is XXXX XXXX XXXX. My name and XXXX XXXX are not even similar names. If that money was intended for XXXX XXXX where is the money I'm entitled to due to my XXXX leave. I just XXXX XXXX and my child and I are depending on that money. How insecure or secure is this bank? Why would they allow anyone to log into someone else 's account and steal the money? How can they determine and close a case without further investigation or even questioning who XXXX XXXX is? Was his bank contacted? There are many questions that need to be answered. I need my money back. This situation is added stress that I do not need after giving birth. This stress is being transferred to my child and I can't even focused on taking care of her. Contact me at XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposits from my employers and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) 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 ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXXopen date is not reporting correctly XXXX XXXX XXXXopen date is not reporting correctly
Product: Mortgage

This company named bsi financial that we have that bought our mortgage we have had problems with. They dont except debit cards only ach payment and money orders ach they process whenever they want. With this being said last month on the XXXX of XX/XX/2023 we tried to do a ach payment it got kicked back had no idea it got kicked back I had to make a phone call to XXXXXXXX XXXX XXXX XXXX to find out it never went through. Then on XX/XX/XXXX 2023we sent a money order that we got from a store that does them. We sent it on the XXXX of XX/XX/2023 over nighted it through XXXX had it tracked and certified I got the update that on the XXXX of XX/XX/2023 at XXXX XXXX a lady in there financial department received it and signed for it. I checked a few days later cause there online thing takes awhile to update information on XX/XX/2023 I gave them a call and they couldnt find out what happened said they would call me back then on the XXXX of XX/XX/2023 I called again and the lady I spoke to couldnt do nothing about and said I needed to give the tracking number for the money order which is for me to use they wont fix this problem I have a screen shot of when they received it in there hand and where it came out our account. So because of this shows we are a month behind if I sent the money order this month they will put it towards last month thats if they get it and we will still be behind on a month. If you guys could please help out that would be greatly appreciated.
Product: Student loan

I have had 2 complaints through CFPS on this issue. I need an address, phone number and person for Conduent Education Services. All addresses and phone numbers are either out of service or mail - not known at address. 
Including info received from Department of Education.
Product: Debt collection

Disputed information several times explaining I am a victim of identity theft and asked to remove files from consumer report. I am asking to validate debt by providing me with signed original document by me the original consumer and creditor.
Product: Credit card or prepaid card

XXXX recently started sending me bills for a service that was cancelled 10 years ago. Last year I called them and they apologized and cancelled the bill and promised it will not happen again. This year on XX/XX/2020 once again they tried to charge me ( see attached ). Since my credit card number, a Capital One Visa was changed for security purposes they were not able to charge my card and informed me that if I do not pay them my services will NOT be renewed after XX/XX/2020 ( see attached. ) Fine. Since there was no service to begin with I did not respond to them expecting whatever service they claim they were going to provide will end and the issue will be resolved on its own. 
This is the interesting part : Visa and Capital One provided XXXX with my new visa card number without my knowledge. And XXXX used it and " renewed a non-existence service. '' When I called Capital One they said since XXXX said this was for a recurring service therefore XXXX has the right to the new card number. This is outrageous. How Visa and Capital One give themselves the liberty to be the judge and decide if XXXX is entitled to anything? Did XXXX provide them with any proof that I had agreed to anything? Was there a contract that was presented to Visa or Capital One? If so, I like to see a copy of it. Since Capital One is defending Visa and its own action did they check to see when this " recurring '' service  was started and how many times XXXX was ever paid? How did they determine that the service was not cancelled? What do they know about this false claim and why did they take XXXX 's side without even contacting me about the validity of the claim? The legal and correct and fair response from Visa and Capital One should have been : NOTHING. They should have stayed out of this completely as the credit card number was not valid. They should have referred XXXX to the XXXX 's own customer, me. Is this the new game big corporations and bankers are playing to defraud consumers? I had to spend hours on call waiting for Capital One to respond to my phone call and when I asked for a supervisor that never happened. They blamed it on COVID-19???? How come COVID only works against consumer and not the bank? How is Visa and / or Capital One have been given this power to provide my information to XXXX simply because XXXX said so? What is next? What other information do they share with big corporations without consumer 's knowledge? These are small amounts that cumulatively adds up to billions of dollars and when Capital One hides behind Visa and there is no way for an individual consumer to fight Visa or corporations like XXXX and Capital One they all get away with it.
Product: Checking or savings account

Hello, I recently went to check my bank account for SunTrust and noticed XXXX dollars had been debited from XXXX. I assumed it was no big deal someone stole my information and used my card. I called the SunTrust Fraud Department to file a claim. Days later I received a notice saying the claim was denied. Id done business in the past with XXXX so I called them to see what was up. They debited my account for XXXX dollars due to old bills I assume would have gone to collections after I stopped using their XXXX service. XXXX was not authorized to make the debit from my account. When I complained to my bank about it and even showed them that XXXX even used an old card that I no longer had anymore SunTrust claimed due to it being a MasterCard all information is updated to merchants of past business. I told them it was fraud and they said well you have past business with XXXX  so its not fraud.
Product: Mortgage

My mortgage was sold by XXXX XXXXXXXX XXXX to Carrington Mortgage company. I wasnt notified of the transfer and only found out the month after transfer when i called in to pay the mortgage payment. I then contacted carrington in attempts to pay the loan with them numerous times, in which they had and still have a lock on the account and will not allow me to pay the loan. They are now reporting the account as delinquent and have ruined my credit score behind a loan they wont allow me to pay.
Product: Credit reporting

I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Equifax has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX/XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX, and also list the date of the delinquency as XX/XX/XXXX, which is over a full year after the first 30 day late of XX/XX/XXXX, and after the default dates of XX/XX/XXXX and XX/XX/XXXX. I disputed these repeatedly over the last year and a half. Equifax has refused to investigate this with due diligence, otherwise they would have discovered these errors. Equifax also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires, unverified and unauthorized items that must be removed. I have attached the FTC report and I would like to dispute the accounts below. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} 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. ACCT NAME : XXXX XXXX XXXXACCT # XXXX 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.ACCT NAME : XXXX XXXX # XXXX OPENED XX/XX/2020 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.ACCT NAME : XXXX XXXXACCT # XXXX 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.ACCT NAME : XXXXXXXX XXXX-ACCT # XXXX 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.
Product: Credit reporting or other personal consumer reports

In response to my 1099c copy b form iv received. The claim made of my copy B document from XXXX stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by XXXX To this my question is, in writing what exact evidence is XXXX XXXX of XXXX providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately. 

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or XXXX in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040. 

As provided and attached to this complaint the following information matches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of XXXX. XXXX EIN number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan XXXX account XXXX. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and XXXX.
Product: Debt collection

CRA violation no knowledge fraudulent accounts on my credit report. FTC ID theft report # XXXX
Product: Debt collection

I get emails few times from them saying will take me court or arrest me and go jail. They threatened me on emails. Im XXXX.
Product: Credit card

On XX/XX/2023 I paid XXXX to XXXX XXXX using XXXX, and charging to the American Express CC ending in XXXX On XX/XX/2023 XXXX XXXX cancels the order, and refunds the order. XXXX delays the refund, and the Consumer files a chargeback with American Express. American Express refunds the amount, and the following day XXXX refunds pending amount too. American Express then reverses the refund they issued, on XX/XX/2023. On XX/XX/XXXX XXXX receives the chargeback request from American Express, and refunds again, while accepting the chargeback request. American Express receives the second refund, and kept the money, by never crediting the Consumer Credit Card, nor returning the second refund to XXXX. XXXX then charges the Consumer 's XXXX Account leaving a negative balance for the same amount, and starts collection efforts with XXXX, and by themselves. The consumer has notified American Express several times about the fact, but American Express has not been solving the problems with XXXX, and has been retaining the second refund causing legal expenses by Consumer, while fighting XXXX XXXX XXXX is declaring in writing about these XXXX deposits to American Express, and Amex has retained the second one, after XXXX accepted the chargeback, and charged the XXXX cash account from the consumer. American Express has caused me to incur in legal expenses for more than XXXX to prepare lawsuits and answer the XXXX and XXXX. XXXX XXXX has neglected by phone to talk to XXXX, and has neither credited the credit card nor refunded to XXXX the second refund transferred. I demand the retained payment and the payment for the legal expenses which are growing and will be more if I have to take them to court. The files show how they never credited the card the second time. And reversed previously the deposit. Now the consumer has to pay XXXX, and American Express is keeping funds from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear XXXX I am writing to formally dispute a fraudulent account that appears on my credit report. This account is unauthorized, and this result of identity theft. 
Fraudulent Account Details : Creditor : XXXXXXXX XXXX Account Number : XXXX Reporting Agencies : o TransUnion XXXX XXXX XXXX XXXX I request that you investigate this is a fraudulent account and I have filed an FTC report, I want this to be removed from my credit report. I have not authorized this account, and it is negatively impacting my XXXX XXXX. 
I have attached copies of my identification, and any supporting documentation related to this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Not aware of the Debt the company is collecting for.

Debt is well over the limits of limitations if owed.

Collector is constantly contacting for employment verification and reaching out to different Dept within the company
Product: Mortgage

I want my granddaughter to assume the loan as she pays the mortgage and stays there. 
XXXX letter was signed and emailed to XXXX as requested. The prior rep had advised me to send in a letter to this address stating why the assumption was wanted with details. 
XXXX I email the XXXX stating that I havent heard anything what do we need to do to get the assumption process rolling I never get a response Mid XXXX I call because I still haven't heard or received any contact and told that it takes up to 30 days for their team to review it as they have to take it to investors to get the approval. 
XXXX XXXX I speak with a representative who states that the email was received, but it should have been mailed in, but it looked like it was already being processed. She stated that in the future this type of letter should have been sent via snail mail to SLSXXXX, CO XXXX and recommends XXXX Physical Letter signed and snail mailed out XXXX I called customer service to which they stated they had not received my letter, but recommend me sending it in, possible with tracking verification, and that they would open a ticket to search for the letter. 
XXXX XXXX The letter showing intent for myself to assume the loan resent. Attached was a letter stating all the interactions we have had. This was sent with tracking verification. This reached the destination XXXX and picked up XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I noticed that there are accounts that are not mine. I want these accounts removed.