23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I received an email and a text message from the Best Buy account department regarding an attempted charge. I called Best Buy account department and inform them that was not me. They told me charges did not post. maybe 30 minutes later a second alert, I called this time the fraud department. I mention to them I am not making any charges. They said not to worry no charges were posted. I asked the representative to close my account. If they attempted twice they will attempt again. The representative said no need to close the account charges were not post. I told him, no close the account this is not a ca credit card that I use. I have only used this card at best buy nowhere else. The representative closed the account per my request. One month later I received a statement from Best buy with charges of {$950.00}. I called and made a fraud complaint. I was told the account was closed and the charges were never included. I reminded them that there representative mention to me the charges never post. The claim was open. I receveied a letter XXXX XXXX mailed onXX/XX/XXXX based on their investigation I am responsible for those charges because the card was used with the enable card reader. I told them I don't know how, if I have the credit card and I cut the credit card in XXXX when I closed the account.
Product: Mortgage

I am refinancing my home and discovered that my cureent mortgage company, NewRez, ran my credit several times in XX/XX/2019. This was done without my consent or knowledge. I recall them sending me mail adn leaving me messages wanting me to refinance then. This was done without my knowledge or consent.
Product: Debt collection

ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX RICKART COLL SYSTEMS  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
Product: Mortgage

at the beginning of the year XXXX XXXX  me and my wife bought our first home, va backed, and was told the mortgage payment were going to be XXXX  a month ... and for the first 3 months everything went well then about XXXX got a letter stating my morgage payment was increasing to cover a shortage in the escrow account at that time i understood it was a short term to help get extra money in that account ... after a few more months of paying the higher cost i called and asked in XXXX and was told they would review the account in XXXX XXXX XXXX  .... so, I waited for payments to go back down but in late XXXX i got another letter stating the same thing and now my Morgage is going up again but this time to XXXX a month and i can't afford it but the company won't drop the payments back down to or even close to what was. if this is an annual assesment why has it gone up twice within 8 months ... why was my va loan approved for the XXXX amount if they were just going to increase it in a few months saying not enough in escrow accnt...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dept ED XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I have student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention
Product: Checking or savings account

I submitted an earlier complaint on XX/XX/2022 ( ID : # XXXX ) concerning fraudulent charges through my bank account with Chime. Chime responded by returning most of the disputed charges coming to a total of {$1300.00}. However the claim amount was for {$1800.00}. Upon reviewing the disputed charges Chime left out {$500.00} that was on of three charges at XXXX. I then emailed Chime back informing them of the discrepancy. They then responded asking for " new information '' regarding the case ( see response attached ). As I have no " new '' information to provide as it is the same case I have decided to reach out here for assistance.
Product: Debt collection

I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed an account that is being reported by XXXX. I have provided a copy of the email that was sent to me from the department of education stating that the accounts associated with XXXXXXXX XXXX is to be completely discharged and removed from my credit report. Experian is refusing to remove the account stating that the account is verified as accurate and I am not understanding how this is so. Also, I have been trying to add a statement to my report since experian refuses to remove the accounts and, experian will not allow me to add a statement to my credit report.
Product: Bank account or service

Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened. 
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts. 
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well. 
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission. 
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time. 
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.
Product: Prepaid card

Ive been using cash app for a few years now everyone I try to contact someone about a problem I can never reach anyone its no number to call. And its suppose to be a live chat but when talking to them they will ask for your information to so called get into you account. But they should already have the information and they will not let me order a cash app card they say I can send and receive money but cant get a card. I try to talk to someone about that problem I stilll cant get a hold of anybody
Product: Checking or savings account

I was banking with Simple. They were bought out by BBVA and accounts were transitioned last Saturday, XX/XX/2021. Since that time I have not been able to setup and online account with BBVA, and neither have thousands of other Simple customers. Their support line never answers your calls, and when they do they say nothing can be done at this time. 5 days without access to my account is unacceptable. BBVA should be held accountable for this blunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX   XXXX XXXX Opened XX/XX/2015. Please investigate to ensure there is no fraudulent activity.
Product: Credit card or prepaid card

I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act convergent 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed some erroneous late payments with Equifax Credit Bureau. Their investigation failed to resolve the problem.
Product: Credit card or prepaid card

I made a payment to PNC Credit Card on XX/XX/20 in the amount of {$2500.00}. The payment posted XX/XX/XXXX. The funds cleared my XXXX checking account on XX/XX/20. PNC has now advised that despite those funds clearing my XXXX checking account - they will not give me the available credit because I do not bank with PNC. It seems that PNC 's policy is disparate in nature because I do not have a PNC checking or savings account with their institution. 
My larger question is how you can place a hold on an account when the funds have cleared my checking account? 

They also explained that each time I make a payment - this will continue to occur. This policy is discriminatory and predatory as it seems I must open a checking account in order to get credited timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute a collection account. I have not been properly notified about these collection and they are inaccurate with how they were being reported. I demand that these collection account be investigated. 15 U.S.C 1692 c ( c ) this law clearly states : If a consumer notified a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ;
Product: Mortgage

Dear Attorney General, PHH Mortgage, formerly Ocwen is the service provider of my mortgage relating to XXXX XXXX XXXX in XXXX, CT. For several years Ocwen mishandled my  mortgage and has caused me extensive amounts of suffering, lost work, stress, anxiety and financial loss. My most recent situation is pertaining to both a loan modification request and an insurance claim which calls for repairs on the home which need to be completed before the property can be rented. The rental payments are normally transferred over to the mortgage companies for the mortgage payment and I keep {$0.00} of those funds for myself. PHH is a very fragmented organization with phone support spanning across the globe thus resulting in a great deal of misinformation and extremely confusing and inaccurate information being communicated, captured and processed by each of the members of there support team. I have documented the plethora of mistakes made by the company which have resulted in continued delays and strains on me as consumer/borrower. Each and every time I speak to someone at PHH regarding the status of an insurance check which I have requested an exception to complete private repairs ( as they are all surface level updates such as laminate floor replacement, floor refinishing and general cleaning, PHH presents a NEW or additional reason to reject the claim based reasons never before communicated, thus causing me to work more for theam, spend more time out of my life as single father and also prove to them that they have made MORE mistakes regarding my account - all of which they have admitted to and simply apologize for after all is said and done. This has held me in a constant cycle of producing, sending and following up repeatedly on each task they assign me, only to be rejected again for another reason or because their company made an error in processing my requests ... such as indicating that I have a dispute with XXXX XXXX, which I have never communicated with or had any relationship with at all - resulting in 3 hours out of my day trying to convince PHH that the information in their system regarding XXXX is complete false. Then I am told they need to resubmit the request and it's been another week out of my life waiting and following up so that they can then again reject the request for another, never before communicated reason which demands an inspection on the clean up steps I carried out with the original distribution. I know foreclosure is likely looming and PHH has made it IMPOSSIBLE for me to complete the steps necessary to prevent foreclosure and ultimately resolve the issues for both myself and PHH Mortgage.
Product: Credit card or prepaid card

My serve card was stolen and purchases were made I didnt authorize. They stole {$2500.00} from my account. I filed a dispute with American Express serve. They denied my dispute and closed my account for no reason
Product: Student loan

I requested XXXX weeks ago that my payment be refunded that I made during the forbearance they had put me on. They stated it would be refunded through auto debit and could take up to XXXX  days. Today when I called they stated it could take up to XXXX days, but yet they already added that amount back on to my loan.
Product: Credit reporting or other personal consumer reports

I got a notification that I have information that's reporting on my credit saying I'm late on credit card payments that's not mine, Please remove the following account SELFINCLEAD # XXXX
Product: Checking or savings account

I purchased a A/C cleaning package by a company called XXXX XXXX I bought the coupon for the company XXXX XXXX XXXX after reading some of the reviews I bought the package and made the appointment. A Mr arrived and proceeded to hook up a vacuum in on of the air vents and looked at my ac unit in which he told me was in good condition but I needed a sanitizer to make the ac run better while this the electricity went out and he had to go to the breakers to restart. He told me the sanitizer would be {$170.00} dollars and he kept talking really fast and I felt really weird and pressured .He pulled out a little canister and started spraying an air freshener in the air. Can I give you a check he says dont you have XXXX I said yes. So I entered my bedroom where my computer was at as he followed me in and stood behind me while I opened my computer while I opened my bank account and sent him the money. At the same time he said you also need to give me a good review. In which case I did all this while standing right behind me. He left my bedroom and I got up feeling violated in some way. I called the bank Chase to try to cxl the transaction to no avail and contacted XXXX XXXX to no reaction to what happened. I filed a police report with the XXXX Police Department and was referred to the Detective Unit for investigative XXXX Intimidation.