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

This complaint is about PayPal 's ( Headquarters : XXXX XXXX, CA ) unfairly taking side in an online sale dispute case. 

This PayPal case ( CaseID : XXXX ) is about a transaction of one brand-new set cookware priced at {$240.00} on XXXX, we are the seller. The buyer filed a PayPal case of " Item not received '' initially and a second case of " Item not as described '' subsequently. 

We received PayPal 's notices about the cases and forced us to provide information, and we did. We have contacted PayPal several times from XXXX to XX/XX/2019 and asked PayPal to ask the Buyer to provide a little more information on ( 1 ) when did buyer received the item, ( 2 ) who delivered to him and ( 3 ) what's wrong with item. Although some of the PayPal representatives said they would ask the buyer the questions, but we have not received a single answer from PayPal. 

PayPal ruled on the case XX/XX/2019 and decides to refund the buyer based on the argument that the decision was made by the buyer 's financial institute. PayPal refuses to ask the buyer to return the item to us and refuses to provide the contact information of the buyer 's financial institute, so we can contact for the item being returned to us. 

This is a sale transaction on XXXX and financially through PayPal. We have no problem with any buyer 's refund request, but the buyer should return the item for refund, can't have both of the merchandise and the refund. We don't know why PayPal wants to take side in this case, feel unfairly treated by PayPla with all the excuses, left with loss of the item and the transaction fund. 

Thank you for reviewing the complaint.
Product: Debt collection

I spoke to Ability Recovery Services and asked to settle my account, I was told I could settle my account and I requested a letter with information in order to do this. They assured me they would send me a letter with information regarding my account. 
One week later I still had not received a letter, I called Ability Recovery Services again, I was then told they sent it to the " wrong address '' I gave them my address again and they assured me they would send me a letter. 
One week later I still had not received a letter. I called Ability Recovery Services a third time and this time was told that they could not send me a letter legally and would have to speak to their lawyers in order for me to get a letter? I was very confused by this as they had said they sent one.

I told them since I was working with a financial advisor I needed my debt settlement in writing before paying, they told me they could not provide that to me until AFTER I paid them not before. This seemed fishy to me ... as I have been paying off all my debts and every other debt collector had no issue sending me a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted capital one regarding Credit card transactions that do not belong to me. I explained to them that my mom prior to her death added me to her account As an authorized user. I explained to them that I have never used the car I was not even aware of it and I've never received a card. I have spoken with them about this several times however my most recent attempt was on yesterday XXXX XXXX about XXXX XXXX. Explain to them that I did not take out a credit card for these amounts of {$550.00} the other amount {$1100.00}. 2 separate credit cards that are showing up on my credit report that I've never opened and never had access too.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees that were applied to my account, despite having sufficient funds at the time the transactions were authorized. These fees were incurred due to delayed posting of charges and credits, which resulted in my account being unfairly charged for overdrafts. 

This situation seems to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar issues at Navy Federal Credit Union, where transactions were settled with insufficient balances, even though there were adequate funds initially available. I find these practices to be both deceptive and unfair.
Product: Mortgage

I was transferred to Mr. Cooper Loan servicing on XX/XX/2019. Per multiple communicators when Mr. Cooper agents my online account access would be available on XX/XX/2019. When I logged in this morning my online access was NOT available. The website stated that online account access would be available on XX/XX/2019. Clearly this is not the case. I am questioning the integrity of the IT system, Internal Controls, and Data protection policies for Mr. Cooper. Part of the answering service is " Welcome to the Family '' and the motto of the company is " Changing the face of Home loans ''. I do not feel secure in knowing that my loan was transferred to a company that will lie to new home owners.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.
Product: Bank account or service

On XX/XX/XXXX I did a mobile deposit to mt account at bank of america. 
I deposited check XXXX from XXXX XXXX XXXX Bank for {$1800.00}. 
The check was made payable to XXXX XXXX. 
The check originator was XXXX XXXX. 
The money remained in my account for 64 days. 
On XXXX XXXX I received notice from bank of america that a debit adjustment duplicate item, reversing deposit made on XX/XX/XXXX in the amount of - $ XXXX immediately called bank of america XXXX After many weeks of phone calls and escalating to there XXXX number, I finally found out what happened. 
I place the mobile checks in my desk drawer at work, shredding them after the 14 day hold period. Someone removed the check from my desk drawer and deposited into there account on XX/XX/XXXX. 
Bank of america sent me a copy of the check and it was endorsed by an individual I do not know. 
A XXXX XXXX wrote, " pay to the order of XXXX XXXX " on the back of the check and than signed my name next to it. 
He deposited into his bank of america account. 
In talking with many people at bank of america, they say there is nothing they can do, I did not secure the check. The check was stolen from my desk drawer. 
I have talked with the issuing bank, XXXX in XXXX XXXX and this is what they told me : The funds were deposited to my account on XXXX XXXX per the original check. The funds were in my account for 64 days and than stolen from my account. The check never hit the originators account a XXXX time. XXXX says this is for my bank tsetse with the FDIC. XXXX did report the check stolen at her end, but her bank says the funds went to the intended account. 
Now it is XXXX XXXX and XXXX XXXX is feeling pretty good, he has the funds in his account for over a month and is good to go. 
I am out {$1800.00} based on a fraudulant deposit. 
I have attached a copy of the check in question. 
Bank of America needs to step up and help resolve this and stop quoting there mobile bank policy.I am out the money because I did not present the paper check and the mobile transaction got wiped out. There is a Correction of Errors to the mobile bank process that needs to be done here. 
How do I get my {$1800.00} back? 

From an article in digital transactions XX/XX/XXXX : Most banks have duplicate detections upfront on their XXXX products, '' says XXXX XXXX, executive vice president of the XXXX-based XXXX ( XXXX ), which establishes rules for check-image exchange. " Within the bank, if you try to put in the same check twice, your bank is probably going to stop it. " Banks that exchange check images under XXXX rules or Federal Reserve rules do make warranties to each other against duplicate payments, says XXXX. It 's important to note, she adds, that if a bank does pay on a duplicate transaction, those rules do n't govern which of the banks that sent the check image for payment must reimburse the paying bank. The rules also do n't favor the bank that has the paper check, she says. 

Does Bank of America not have this set up?
Product: Debt collection

I do not have knowledge of this debt, called and e-mail the company for contract or any documentation stating I signed the contract, but I have not received a response. 

BYL SERVICES XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported : XXXX XXXX, 2020 {$2400.00}
Product: Bank account or service

We have had a car loan with PNC Bank for 7 years. We did XXXX extensions during the life of the loan. During this time period my husband lost part of his pay. We have been playing catch-up for a few years now. With the last payment that we had with PNC, the amount of the XXXX extensions was added in. We were sent a bill of {$2600.00}. We paid the {$640.00} on XXXX XXXX, the payment was due on XXXX XXXX, which left an amount of {$2000.00}, I talked with them because we did not have {$2000.00} to give them. On XXXX XXXX, we received a late notice on the {$2000.00} for the amount of {$200.00}. We were able to pay them {$600.00} on the XXXX. I have called them to ask them why such a large late payment. The answer was that it was late, I asked if there could be a reduction to that late charge but I was told that there was nothing that could be done. I then asked for the payoff as of XXXX XXXX and for them to send me the contract. I know that a profit will be made but {$200.00} on {$2000.00} is robbery. It is my hope that this will start a class action suit against such horrible practices.
Product: Consumer Loan

In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

At XXXX on XX/XX/XXXX, I was eating. Suddenly, the phone kept ringing continuously, and there were always transactions reminders for the BOA credit card. I was taken aback. I saw there were so many transactions from XXXX at the same time. Subsequent transactions were automatically declined by the bank because of too many. I know the credit card was fraudulent. I cantacted the bank to cancel the credit card and send me a new card.Then I contacted XXXX customer service and told them the transactions were not made by me.They canceled most of the transactions. There were only two transactions of {$99.00}. The customer service said that they were membership fees, and let me log into the account to cancel them by myself. But I didn't know what the account was and I didn't purchase the membership fees. I just could contact the bank to report the fraud transactions. The bank said they would cancel all transactions. In XXXX of this year, the bank deducted the two transactions again, saying that they were normal transactions without fraud after investigation. I contacted the bank again with some more details. But the bank sent me a letter on XX/XX/XXXX, and still considered them to be normal transactions. Later I could only contact XXXXXXXX XXXX customer service to report the incident. It was then handed over to Fraud department for investigation. The fraud department requested me the proofs of my home addresses and billing address. I sent the proofs.Then the fraud department let me submit a proof of address of PA.But I did not know the address.I never left CA.The address was from the account of purchasing membership fees.I have checked the address was of a XXXX restaurant.I did not know the restaurant.The XXXX customer service told me the user name of the account is XXXX.I did not recognize the account. I just made sure that my card was stolen and used to spend two {$99.00} on XXXX. All of the transactions were canceled except for the two transactions. I could support the message of the fraud transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX Remove late payments XX/XX/XXXX & XX/XX/XXXX. XXXX Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me past due on the XXXX   account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and Equifax on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for XXXX XXXX and for equifax XXXX involving XXXX XXXX XXXX account XXXX However they said that they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

this account has several inaccuracies and this account needs to be deleted right now
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I have had this student loan with Navient for well over ten years. I believe it was Sallie Mae in the beginning. I have paid it on time always. A few years ago, I did request they take more out of my checking for payment ( {$100.00} ) so the loan would be paid off sooner. At some point, they stopped taking {$100.00} out and started taking out less without my knowledge, so therefore, the loan is not paid off. I asked them to stop asking me to do auto pay since I don't trust them to take out the amount I requested. They insist on taking out less it seems. I have sent them over XXXX $ in the last 3 months. My payment was only around XXXX $ a month before I discovered they were not taking out {$100.00}. I have been sending way more than that and they keep calling to say I have an overdue amount. There is no way I could have an overdue amount as I am trying to pay this loan off, and they don't seem to even appreciate that. I have asked them to send me an updated itemized statement. The balance on the website now looks way higher than what it should be even after I have made a huge effort to send them extra money since XXXX. My job was eliminated last year due to the pandemic, and I am making a lot less now at a different job. They don't seem to take that into consideration at all and keep calling me saying they can help me with my overdue balance, and I should not have an overdue balance.
Product: Credit card or prepaid card

I put down a deposit to be able to qualify for a discover card and the company promised to return the deposit after months of proper use in which I had. Discover said they sent out a check via mail even though I had paid my deposit from a debit card. They stated they would send out another check a month ago and now has no answers to me still not receiving my deposit