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

I opened a direct deposit account with Bank of America in XXXX XXXX TX around 2003. I have had that same account until a few years ago when with no explanation it became an XXXX account. I had been repeatedly double charged in overdrafts when my account was Bank of America from the beginning until the end. I am a single mom and sometimes all I could do was break even at the end of the month. The extra overdraft charges ruined my familys life completely. Ever since the account has been XXXX that hasnt been a problem and financially I am in a completely different place. I have my Bank of America account number still and paperwork to show when my account became an XXXX account. I also still have most of my bank statements from Bank of America.
Product: Debt collection

This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court. 

Someone knocked on my door XX/XX/2018, to deliver a pleading allegedly filed by XXXX XXXX XXXX, XXXX : " Complaint for Money Due on Credit Account '' and " Summons ''. While the Complaint does describe the credit account purchased by XXXX ( a debt collector ), in the amount of {$2600.00}, and is apparently signed by an attorney at Machol & Johannes , LLC, the documents did not include a copy of the Proof of Service and neither the Complaint nor the Summons include a Case Number given by the Court nor the Court Clerk 's stamp ; thus, the Complaint does not appear to have been actually filed and is not an official document or official copy of a document from a court. 

Additionally, both pleadings are dated XX/XX/2018, even though they were " served '' on me much later. Without a Proof of Service, I have no evidence that my response to the Summons would be filed in time. I also have no Case Number. Further, at the bottom of the Complaint, below the attorney 's signature, reads the statement, " This communication is from a debt collector and is an attempt to collect a debt ; any information obtained will be used for that purpose. '' That statement is not typical of legal pleadings of any kind. 

The attorney 's office also included a document to set up payment arrangements with Machol & Johannes regarding the debt. Wouldn't you try mediation before suing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested. 

I am not liable for this debt with spring oak capital LLC. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I request the company to eliminate the fraudulent inquiries on my credit report, as I am a victim of identity theft.
Product: Student loan

In  XXXX   XXXX  my wages were garnished by  XXXX   XXXX   XXXX  on a student loan that is with Navient formerly  XXXX   XXXX . I verified my address but never received any paperwork regarding a court date for wage garnishment nor even a phone call.  <P/> In  XXXX   XXXX  I contacted Navient and they stated that I did qualify for income sensitive payments But I needed to get the loans out of garnishment. So I contacted the  XXXX   XXXX   XXXX  and was told that paperwork would be mailed to me to fill out so that I can get the loan taken out of garnishment. The paperwork never came in the mail as requested and promised.  <P/>  XXXX / XXXX / XXXX  Contacted Navient re getting loan taken out of garnishment and was transferred to  XXXX   XXXX   XXXX  who stated that they are garnishing my checks 15 % of each check. I was offered to pay the balance in full, 85 % of balance owed or  if I had 2 referenced I could go into a repayment program. When I stated that I do not have 2 persona l referenced they stated that I either pay the balance in full or the 85 %. Currently they are taking 30 % of my income a month. As a single parent I can not afford to live. If I work extra hours they take more money.  <P/>  XXXX / XXXX / XXXX  When I called  Navient  back, they took a complaint and stated that they would not notify me of the outcome but I could call the  m back in 7-10 days to find out what was going on with the complaint.
<P/>
I qualify for income sensitive repayment as well as the   XXXX   XXXX   forgiveness program but can not even get the help I need to get into these programs. And everytime I contact   anyone I keep getting transferred to another agency or department.
Product: Credit reporting or other personal consumer reports

. CFPB fines Equifax XXXX XXXX over errors on credit report. The CFPB alleged the credit bureau failed to properly investigate consumer disputes on XX/XX/year> I mailed a dispute for XXXX XXXX account number XXXX for deletion as the amount XXXX was paid. XXXX account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Due to inaccuracies in amount, dates, reflecting errors affecting my ability to get adequate credit, or loans To date I have not received a reply written or verbally. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a conventional mortgage with Ocwen and I have allways paid my own taxes and insurance but about XXXX months ago the mortgage company added a very expensive insurance policy double what XXXX XXXX is charging me and I have sent countless doucments with proof of insurance even having my insurance agent contact Ocwen personally to no avail to this day they have n't completely removed the escrow account, every time I comply with what they need the company or their representatives ask for insurance dating back a year and a half ago but never asked for these documents untill a few months ago. I live in XXXX michigian and have had the home since XXXX and would hate to loose my home over a mistake that this mortgage company refuses to correct.
Product: Credit reporting

Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a regarding inaccurate and unknown things on my credit report to this day over 60 days ago I have not yet received a response I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with in 30 days gives a reason to immediately removed from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was all so impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Product: Bank account or service

I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened the account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX - XXXX XXXX XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am unaware of this debt, I did not receive proper notification before this debt was reported on my account. If in fact, you believe I received proper notification of this debt, please provide a copy of the certified mail receipt with my name and signature stating that I received notification
Product: Credit card or prepaid card

XX/XX/11 XXXX charge was placed on my account without permission and XXXX advised the item was delivered however upon checking nothing was received and the neighbor advised someone stole the package. I filed police report for theft and sent the information to bluebird along with correspondence from the merchant XXXX and the form bluebird requested me to complete. I received an email stating my claim was denied and contact them for clarification WHY they continuously hangup on the line and provide Zero details finally I spoke with someone to reopen the dispute however they are refusing to send the corrected form stating I need to wait 10 business days and if I can't '' is should bank some where else '' i keep demanding my refund and the reps keeps hang up, This company continuously keep blocking my card and removing between XXXX to XXXX cents without permission stealing money from their customers.
Product: Credit card or prepaid card

I was email phished for a job as a Regional Branch Purchasing Manager in XXXX XXXX XXXX - US Branch. Through a series of interactions they convinced me to purchase XXXX Laptops from my local XXXX XXXX and ship them to a person and location in Florida. They assured me they would pay for the charges and provided me an account number to enter into my credit card payment. It looked like it was paying then a week or two later the payment reversed and their email and phone number no longer worked. I have the receipts both paper and email. I also have all the email correspondence. XXXX XXXX on XXXXXXXX for {$16000.00}. XXXX XXXX on XX/XX/19 for {$13000.00}. XXXX XXXX on XX/XX/19 for {$1300.00}. XXXX XXXX on XX/XX/19 for {$15.00}. USPS on XX/XX/19 for {$240.00}. USPS on XX/XX/19 for {$260.00}. USPS on XX/XX/19 for {$310.00}. During this time Capital One never questioned these charges and never spoke with me about the payments reversing. Up until this time I sporadically used the card and had a manageable balance. These charges in the month of May were over 3x what I had previously charged on the card for the entire time I had it. When I spoke to their fraud department they said since it was me who made the purchases they were not liable. I think they were and they failed to protect me and never questioned these unusually large purchaes or why the payments I made on their website were reversing.
Product: Student loan

My servicer says on their website that I need to contact them to apply for the graduated extended payment plan that I would like to be on. I attempted to call them 3 weeks ago and was on hold for over an hour before I hung up. I emailed them and they sent an automated response that they would contact me back within 2 business days. It has been 2 weeks. I tried to schedule a callback on their website. Every single slot available is grayed out and unclickable. I have never faced a worse possible experience from a website or business and am complaining because I have no other resolution to contact my servicer and apply for the payment plan I would like to.
Product: Money transfer, virtual currency, or money service

My brother-in-law sent me {$420.00} through the XXXX app to my chase account. The transaction shows as being completed from his bank and the funds were withdrawn from his account. The funds never came to my account. We have had numerous detailed calls over the course of 6 months with XXXX and Chase. XXXX has provided transaction numbers showing that the funds were transferred to Chase. Chase has given mixed messages, first telling me they see the transaction and then telling me no transaction ever occurred. I am still without {$420.00} and it is on Chase to provide me with a resolution. XXXX has also reached out to them without any response back.
Product: Money transfer, virtual currency, or money service

The company in question is XXXX, owned by PayPal. 

On XX/XX/2018, at appoximately XXXX XXXX, I was notified my XXXX  account had received {$1700.00} from friend of mine. I immediately initiated the funds transfer ( using XXXX mobile app ) to my credit union account. Per the XXXX  website, funds are usually available the next busness day. It is now a business day and a half later and I STILL have not received my money. I called XXXX  and they informed me sometimes these transactions can take 3 ( or more ) business days. What? Why the delay? This is unaccepatble, given that I had completed an almost identical transation ( same individual, same accounts, same days ) like this last month and it took 1 day. There is no rhyme or reason why this transaction should take longer than that one did, other than I believe XXXX  is " holding my money hostage '' to earn interest from it. They pull this same kind of stunt at PayPal and I have to wonder why PayPal ( who owns XXXX ) hides under the XXXX name when the two companies provide like services.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXX), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 

This address was used to open accounts in my name : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX. {$1000.00} XXXX XXXX XXXX. Opened. XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. Opened XXXX XXXX, XXXX {$1400.00} XXXX XXXX  Opened. XXXX XXXX, XXXX {$410.00} A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. I also attached
Product: Checking or savings account

On XX/XX/XXXX, I received a settlement check for {$500.00} from a law office again Wells Fargo Home Mortgage. I deposited that check into my account that I share with my mother. On XX/XX/XXXX, I received a monthly deposit in the form of check XXXX from the rental agency that has managed my rental property for going on 2 years. Wells Fargo at first gave me access to which I started paying bills, then they took access away, and I became severely negative at least XXXX negative. My part time job check hit my account for XXXX and it was unusable because it was absorbed into that negative. I called Wells Fargo many times and they said they would not release the funds from the check to me until XX/XX/XXXX. I work XXXX jobs and have not had access to my money and my XXXX XXXX XXXX dad had to loan me cash to buy my babys diapers. So embarrassing. I am a Wells Fargo customer for more than XXXX decades and a mortgage holder. They charged me XXXX overdraft and are now saying tomorrow I will get more fees because they released the money to me at first to pay bills but took it back. This is no fault of my own. I am a mortgage holder and this has made me late to pay my Wells Fargo mortgage to which they will also assess me a late fee. This has called so much distress for me and my family and my senior parents during this holiday time and inflation times. Please help. This feels like retaliation from depositing the lawyers check in my account against them.
Product: Student loan

I have loans with MOHELA and am currently in paid ahead status. They took {$3100.00} out of my account with I owed XXXX. There are XXXX problems with this. Number XXXX I am in paid ahead status and owe no money currently. Number XXXX I am on an income driven plan and this monthly payment amount is more than I make on a paycheck. So that isn't accurate. I have requested a refund for the amount that was taken that I did not owe and the first time it was declined due to some issue with how it was requested and the second time it was cancelled for unknown reasons. I have spent hours on the phone and just keep getting told they will resubmit my request.
Product: Credit reporting or other personal consumer reports

My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. I have repeatedly asked XXXX to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all 3 credit bureaus. 2 have fixed it, Experian continues to let this go on. I have contacted XXXX and Experian both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.
Product: Student loan

My Student Loan servicer is FedLoan Servicing. Recently, I submitted standing instructions to ensure that any additional payments I made on my loan were sent to the loan with the highest outstanding balance. What I was not aware of was that while I am in deferment, this would automatically send all my payments to one loan and would void my instructions for the distribution of funds to be allocated over all of my loans.
When I caught this discrepancy, I contacted the servicer to change the payments and then to have the instructions suspended while I am in deferment ( I do not want the interest of my loans to increase if I can pay it off ). However, it is taking an extremely long time to have this issue fixed. Why should it take 10 days to have the funds reallocated when it only takes one business day to take the funds form my checking account? 

Furthermore, at the instructions of the representative I spoke with, I submitted a secure email, through the proper channels, on ( XXXX/XXXX/XXXX ) to have my standing instructions suspended. I have attached an email confirmation that these instructions were received. I chatted with a representative today ( XXXX/XXXX/XXXX ) and have attached the transcript of the chat. They have no record of my request. While this is happening, the interest on my accounts grows. 

I do not want to pay extra because the servicer is being negligent. Now that they can not find my instructions, I had to resubmit them today and start the entire ten ( 10 ) business day waiting period over. This is an unfair, deceptive, abusive act and practice and needs to be addressed.
Product: Credit reporting or other personal consumer reports

I have formally requested documentation and validation of the original date of delinquency for four separate credit card accounts currently being reported on my credit report by Portfolio Recovery Associates. These accounts became delinquent in XXXX and XXXX. However, Portfolio Recovery Associates is using the date they purchased these accounts from the original creditor as the account opening date. They have refused to provide me with any verification of the original date of delinquency and have not updated their reporting accordingly. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive verification of any alleged debt, including proof of the original date the account became delinquent and the amount owed at that time. Portfolio Recovery Associates has falsified the information, thereby extending the reporting of these accounts beyond the 7-year limit from the original date of delinquency. 

I have attached documentation provided by Portfolio Recovery Associates that demonstrates this falsification of information, as well as a copy of an XXXX credit report.
Product: Debt collection

My bank notified me about a change in my credit score on XX/XX/2023. Upon accessing my report, a collection for {$1600.00} was reported on the same day by Paramount Recovery XXXX for " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The date listed for the account status is XX/XX/2023. The creditor is XXXX XXXX something or the other, and the collection agency is Paramount Recovery Systems. I have never heard of or received communication from these entities. I have never received a medical bill for that amount. I have health insurance and pay my co-pay every visit. The collection has been reported to all three credit bureaus and have affected my credit score. I filed two XXXX complaints and received no response. I filed disputes with the three credit bureaus on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about inquiries and a XXXX account that is on my credit that do n't belong to me. They will remove the account and then put the accounts back on my credit. Clearly with the breach that Equifax had these are most likely a result of this cause XXXX Account act number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX {$3100.00}, XXXX XXXX {$110.00}
Product: Money transfer, virtual currency, or money service

I had an account at Gemini Trust ( the company that the Winklevoss brothers founded ) since XXXX. On XXXX XXXX, XXXX, an employee ( s ) stole the funds in my account. No one at the company has responded to my lawyer or myself. New York has an agency specifically for crypto companies, but as I am not a resident of New York, they can not help me. 

Could you please contact someone at Gemini Trust ( " trust '' being an ironic seeming name ) and get them to return my funds to the same account from which the funds were originally added to Gemini, at XXXX? 

Also, of course, please pursue criminal charges against the perps, which would hopefully ban them from working in the financial industry for life. 

Company : Gemini Trust Company , LLC XXXX : XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, New York, XXXX, US Website XXXX XXXX  External Website. Opens New Window Company Phone : ( XXXX ) XXXX Thank you-