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

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My XXXX XXXX XXXX  auto loan is routinely paid by monthly automatic debit from my XXXX checking account on the XXXX XXXX XXXX XXXX   XXXX. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XXXX of XX/XX/XXXX was more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking exceeded {$500.00}. 

On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my XXXX checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my XXXX checking account balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}. 

On the morning of XX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my XXXX car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my XXXX   checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My XXXX checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX and XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my XXXX Auto loan. 

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want XXXX  XXXX XXXX to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help
Product: Credit card or prepaid card

I have contacted PayPal a total of 45 times since this has. I have gained a little more access to my account but they keep blocking my account and they keep locking it and then making my balance negative. They are literally stealing my money. My email to my PayPal is  XXXX XXXX XXXX is the name. They are 0 help. Customer service is beyond rude. I have lost my job because of covid-19 I have lost my house my car my life! I have been living in and out of hotels and yet Paypal is still refusing to help and still withholding my money. I have uploaded all the red negative transactions arent mine. I have uploaded the dispute case for PayPal. I have uploaded the XXXX XXXX recipet that paypal has pending has a transaction on my account even though I have emailed and called a number of times showing it is cancled has been cancled and yet they arent doing anything about it.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

I pulled my credit report on XXXX/2017 with Experian. I noticed a collection account from XXXX XXXX on my report for a past payday loan I had received from XXXX XXXX. I had already paid this item directly to XXXX XXXX, NOT XXXX XXXX. I notified Experian of this, including sending them a copy of the final payoff letter from XXXX XXXX, as well as a PDF of the transaction showing the payment coming out of my bank account ( both are attached ). I requested that the collection account be removed, since I had paid this to the original creditor. The account was updated to " Paid, Closed '' but not removed. I disputed the information for a second time online with Experian on XXXX/2017, and received an email today stating that this second investigation was complete. I logged in to see the status as " Updated '' again, so I scrolled through the information, but the only update made was that they added a statement that they had investigated but that I disagreed.
This is dragging down my credit score, and I want the collection account removed. I never made ANY payment to XXXX XXXX ; the only company I have dealt with regarding this account is XXXX XXXX directly.
Product: Debt collection

I sent a letter requesting that the debt be verified in XX/XX/2021. Never responded to my request and placed the account on my credit report.
Product: Checking or savings account

I got incarcerated XX/XX/XXXX and I didn't get released until XX/XX/XXXX someone took over my identity and cleaned out my bank account and deposited to life insurance checks from New York XXXX fraudulently each check was for XXXX I had money in my bank account and when I got out my bank account was closed I argued with the bank tell him that there was fraudulent activity on my account and they decided to say there was no fraudulent activity and they didn't want to investigate it I told him I had been incarcerated for XXXX and a half years and that I didn't cash the checks and I didn't take the money out of the bank I don't know who did or who would all I want is to get my money back that was taken but they're giving me trouble so I want to file a complaint against him Wells Fargo Bank I'll talk to him a XXXX times I send them all the police reports I sent him all the information that they needed stating that there's fraudulent activity going on and I can't get nowhere with him the bank told me that New York XXXX XXXX responsible for the checks but I don't know who is all I know is I like to have my money back
Product: Mortgage

Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit.
Product: Debt collection

On XX/XX/23 I was notified by XXXX XXXX that there was a new collection account on my profile. Upon further review, I discovered that the company TRANSWORLD SYSTEMS INC added a collection account in the amount of {$350.00} to my profile. I had no knowledge of this. I never received any communication from this company prior to this and I never had an opportunity to pay the debt or dispute it. I called the company directly to inquire about this, I asked what mailing address and email address they had on file for me and both were incorrect. In my opinion, they made no attempt to verify their information before placing a collection account on my profile unfairly. Had I known about the debt, I would have paid it before it negatively impacted my credit. The company offered me no solace for this. I expressed my concern and asked if they would remove it from my credit report since I paid it in full and they said no.
Product: Checking or savings account

My online banking is keep XXXX. No reasons just to use and send XXXX payment or send money online access XXXX. XXXX XXXX is tempering with my money and abusing there powers and disabling my online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Wayfair store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my Wayfair card would be converted into a XXXX. 2 Months ago I noticed Wayfair removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.
Product: Credit card

To the best of my knowledge, American Express has violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) by calling me on XX/XX/XXXX, at XXXX XXXX Central Time, regarding collections for three accounts they closed in XX/XX/XXXX. Despite my explicit instruction to communicate solely via mail due to the inconvenience of receiving calls during work hours, they proceeded to call me, which constitutes a violation. Specifically, these actions breach FDCPA codes 15 U.S.C. 1692c ( a ) ( 1 ) ( Communication in connection with debt collection ) and 15 U.S.C. 1692d ( 5 ) ( Causing a telephone to ring repeatedly or continuously ). Additionally, under Minnesota Statutes, this conduct may violate Minn. Stat. 332.37 ( 12 ) ( Harassment and abuse ) and Minn. Stat. 332.37 ( 13 ) ( Calling repeatedly or continuously with intent to annoy or harass ). 

Additionally, American Express has failed to provide me with proof of ownership of these accounts and proper validation of the debt. Instead of the required documentation, they have only sent statements that list the expenses made on these accounts. This lack of proper paperwork hinders my ability to adequately address these accounts with my attorneys and accountants. Without the necessary proof of ownership and debt validation, I can not ensure the accuracy and legitimacy of the amounts claimed. This failure to provide the correct information is essential for my legal and financial advisors to effectively manage and resolve these matters. 

The specific codes and statutes violated by this failure include : FDCPA : 15 U.S.C. 1692g ( b ) : Verification of debts - If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
Minnesota State Statutes : Minn. Stat. 332.37 ( 9 ) : It is prohibited for a collection agency or collector to fail to provide a debtor with information about the original creditor within 30 days of the request.

Minn. Stat. 332.37 ( 12 ) : Harassment and abuse - It is prohibited to use any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit card or prepaid card

On XX/XX/2018 I received an e-mail from XXXX including a tracking number and shipping details for a payment of {$500.00} that I did not make. The e-mail appeared to be from XXXX and the seller was listed as : XXXX XXXX and the e-mail was : XXXX. The e-mail included my current address and was sent to my current e-mail address. I did not purchase anything through XXXX and did not authorize any payment of {$500.00}. My credit card was charged the {$500.00} on XX/XX/2018. 

Within 24 hours of receiving this e-mail and the unauthorized charge, I immediately contacted Bank of America to report the suspicious activity and the unauthorized purchase. The money was credited back to my account on XX/XX/2018. 

A few days later, a manila envelope was in my mailbox, with no return address. I opened the envelope and inside there was a crumpled and ripped up magazine. There was nothing else in the envelope. I could not return the contents as there was no return address. The tracking number also was updated to say my " package '' from the unauthorized vendor had been delivered, further confirming that the envelope with a crumpled magazine was part of this {$500.00} scam. I did not authorize any purchases, nor did I purchase a crumpled and ripped magazine for {$500.00}. 

On XX/XX/2018 I received a one page letter from Bank of America saying the following : After a review of details you provided, we've determined that no fraud has occurred. As a result, you'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will appear on your monthly billing statement. 

Again, I immediately contacted Bank of America. They informed me that through the investigation they contacted the merchant and he said that I received the package. Therefore, according to Bank of America, because I received the package and did not return it ( despite not ordering this package and having no way to return it with no return address ) that I was being held liable for the {$500.00}. They informed me that they would re investigate the claim. I reiterated multiple times to Bank of America that I do not use XXXX and I have documents that show an outdated XXXX account ( which includes an expired e-mail address, an address where I have not resided in over three years, and an outdated debit card ). Furthermore, when I was able to access this old XXXX account, there is no record of any purchase being authorized, no record of XXXX, and no history of any payments.
Product: Vehicle loan or lease

I opened this account on XX/XX/XXXX financing {$26000.00} for 72 months paying {$520.00} a month. I am currently on payment number XXXX with an outstanding balance of {$19000.00}. If I did my math correctly I have already paid {$22000.00} on this loan. It is impossible for this institution to say that I still owe {$19000.00}. The maturity date of this loan is XX/XX/XXXX. I feel that I am being scammed out of my money with this institution and I am having problems paying this bill every month. I have paid late so I can not refinance which I was told that I could do when I signed for this loan, I was told I could refinance in six months but when I went to refinance they denied me. I do not know what to do I have paid over {$20000.00} to this company and I feel that I should not owe {$19000.00}. They are saying that in almost a five-year timeframe I only paid {$7000.00}. This company is a fraud and something needs to be done about it. I should almost be finished paying off this car note and it looks like I am underwater for around {$15000.00}. I have XXXX children in college and also battling XXXX XXXX XXXX XXXX. I believe that something needs to be done about this account and this company who is giving out bad loans. I am going to fight this matter to the end.
Product: Credit card

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued Stipulated Order for Permanent Injunction and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching Program or any Business Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score. 

I request Bank of America dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Bank of America previously made the statements in their initial responses that " You received benefit from this transaction " which is a false statement. I never received any benefits from the " XXXX Services '' charges in any form. The company XXXX XXXX was shutdown by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is no where near the amount I was charged. I'm requesting Bank of America to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the changes to every credit reporting agency.
Product: Debt collection

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same incorrect numbers back on My credit report
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 must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
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/XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. 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. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

I have a credit card with XXXX ( a dept store ) I tried to keep up on my payments but I fell behind and they sold my debt to a collection agency Eastern Asset Solutions LLC. I contacted them and they did not identify who they were they just answered the phone like they were at home or something. I also set up XXXX payments before the end of the XXXX payment I was to call and set up XXXX more so when I called to do that he said they already had it set up for the next XXXX but I had n't authorized that when I questioned it and told him to not take any more money out of my account because I did not trust this company he got very irate and started threatening me with a higher balance and said this is n't going to go away I told him I know I owe the debt and I want to pay it but I 'm not paying it to you and then he started yelling at me and would not let me talk and eventually hung the phone up on me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had back unemployment benefits from NYS deposited into my PayPal account. I had used this account to receive unemployment without issue for nearly 2 months but when 6 weeks of back pay was deposited I was permanently locked out of my account and told I had to wait 180 days before they decided I would get access to my funds. 

No I dont have access to my unemployment after speaking with PayPal on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : 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/2022