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

On XX/XX/22 my bank notified me that PayPal had a XXXX transaction of {$2900.00} that was going to be transferred. I called PayPal and a representative got on the phone to assist me with the fraud. He asked to take over my computer to do so. He then accessed our log in information to log into my bank, transferred {$7000.00} from our savings account to our checking account. From there, he opened a XXXX account and transferred {$1800.00} to an XXXX XXXX  XXXX from our checking account. When I looked at our bank 's app and saw this, I hung up and called our bank to file fraud. My bank stated that XXXX verified my identity using my name, address, email, phone number, date of birth, and SSN through XXXX. They also verified he swiped my debit card which was verified by XXXX  via XXXX on XX/XX/22. I called XXXX the next day and was told by their fraud department that my identity was used for the {$1800.00} transaction, and it's not refundable. My husband called PayPal on XX/XX/22 to close the account but was told it needed to remain open for 30 days for investigation into the over XXXX plus transactions. Our PayPal login was changed, so I recovered our account and set up a new password on XX/XX/22. I noticed that not only our checking account was listed on our PayPal account, but also our savings and XXXX XXXX  XXXX  numbers the fraudster got off our bank 's log in. On XX/XX/22, I deleted all of our accounts from PayPal, and I've called PayPal multiple times to close the account, but it's still open and we're receiving emails from PayPal and XXXX. I filed a police report XX/XX/22 and followed up on XX/XX/22, we have done credit freezes and watches on XX/XX/22, purchased a new hard drive on XX/XX/22, changed passwords, purchased XXXX XXXX on XX/XX/22, and I've filed an Identity Theft Report on FTC 's website on XX/XX/22 and updated on XX/XX/22. On XX/XX/22, I wasn't able to log in my bank account, so I had to recover my account and change the username, password, PIN, and security questions. We've filed 3 appeals to our bank to be reimbursed but have been unsuccessful since XXXX stated, " the listed transactions are not fraudulent. '' I've written PayPal and XXXX to close the accounts, and from XXXX to be reimbursed the {$1800.00}, but they submitted a letter to my bank saying, " The customer claims she did not authorize this transaction ; however, we were able to verify the customer 's information to prove her participation in the disputed transaction. '' PayPal has responded to report email scams to them but overlooked the XXXX plus fraudulent transactions and neglected to close our account.
Product: Debt collection

Today XX/XX/2021 - Westlake Financial called my friends phone and told him how much money I owe. They also advised specifically the types fees I owed and why. This is against the law.
Product: Debt collection

A lien was put on my checking account without notice or my permission. My account was sold to a third party without my knowledge and before any judgment was made. I moved out of the apartments in question in XXXX of XXXX and my account was giving to Results unlimited in XXXX of XXXX. The apartment complex also had a forwarding address for me but I did not receive any court notices dates or info about a debt owed. Nobody reached out to see if we can work out a payment plan or nothing they basically just taking my money ( robbing ) me XXXX and theres nothing I can do about it. Between XXXX XXXX XXXX XXXX XXXX XXXX someone did something very wrong and possibly illegal!
Product: Debt collection

Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1100.00} Reason : Identity theft Please remove it from my credit report
Product: Debt collection

Dear Midland Credit Management, I am writing to formally address a serious issue regarding your recent action on my credit report. Today, I discovered that Midland Credit Management has placed a derogatory mark on my credit report, despite my having received a letter from your company only recently notifying me of an alleged delinquency. This derogatory action was taken without providing sufficient time to respond to your initial notification and, I believe, without proper justification. 
This action has directly affected my credit score, caused reputational harm, and disrupted my financial stability. As such, I am requesting that Midland Credit Management immediately : Remove the derogatory mark from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) until this matter is properly resolved. 
Provide detailed documentation verifying the validity of the debt, including a full transaction history and proof of ownership, per my legal right to debt verification under the Fair Debt Collection Practices Act ( FDCPA ). 
Confirm in writing the steps taken to remove this derogatory mark from my credit report within 10 business days of receiving this letter. 
Full Transaction History : A complete record of all transactions, fees, interest charges, and any other adjustments that have contributed to the current balance of {$3200.00}. 
Ownership Chain of the Account : Documentation listing all prior owners or debt holders of this account to substantiate the transfer of ownership and chain of title. 
Account Statements : Original monthly statements from the time the account was opened to the present. This should include statements from each owner or holder of the account, detailing all charges and payments made. 
Calculation of Balance : A detailed explanation of how the balance reached the amount of {$3200.00}, with each charge and adjustment itemized. 
Credit Limit Documentation : Documentation of the original credit limit and terms of the account agreement, as well as any increases in the credit limit over time. 
Terms and Conditions of the Original Account : A copy of the original agreement with applicable terms and conditions, including any information on applicable interest rates, fees, and the arbitration clause governing any disputes on this account. This is necessary to confirm whether any amounts you seek to collect exceed the credit limit under the account terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reported wrong information on my credit report and refused to do anything with the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Strike acceptance reported late payments for 60-89 days on my credit report consistently for months without a change, which is untrue.
Product: Bank account or service

I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said " we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the " chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous " we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Bank of America for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new auto loan with Ford. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other Ford vehicles. On XX/XX/20, I received an alert from XX/XX/XXXX that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from Ford about being late. I called Ford 's call center, and the technician clearly did not have the correct information on file. When Ford responded to my letter, they said I logged into the account in XXXX and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from Ford, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owneXX/XX/XXXX, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in Ford 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and Ford has the accurate address on file, and I have received statements in XXXX.
Product: Credit reporting or other personal consumer reports

Im Victim of identity theft from XXXX cards, I contacted the XXXX, TRANSUNION, XXXX XXXX and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance- ; XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} If Experian, XXXX, and XXXX feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

As of XX/XX/2023 received a letter form Wells Fargo informing me of identity theft protection. A award amount was awarded but upon further investigations I discovered that over 10 different accounts were made without my consent. Two different business accounts, Home owner 's insurance policies, and checking and savings accounts. All by the same employee that was fired for wire tapping. Working with XXXX a Wells Fargo reference number for claim is # XXXX
Product: Credit card

I was contacted by XXXX XXXX text message XX/XX/XXXX ) saying there was suspicious activity on my account, and they had put a hold/nonpayment on that purchase. I was asked to call. I did. After much discussion the customer service rep found the charge they felt was suspicious plus several others. Same companies, same date, different amounts each charge. Barclays closed the account and sent me a new card/account number. Those charges were removed from the account within a day or two after they were investigated. A day or two later I saw that XXXX transactions had been missed in that fraud claim. ( the rep originally told me that may happen because there were several charges made by the same company/companies ' same date XX/XX/XXXX and to call back and add them to the claim if that happened. ) XXXX XXXX XXXX charged on XX/XX/XXXX and XXXX XXXX XXXX charged XX/XX/XXXX were the XXXX charges missed. I called the XXXX department ( approx. XX/XX/XXXX ) and was told by the representative that those charges would be added to the original fraud charges and removed from my account AND my account would not have to be closed or changed again. However, they were not removed from my account by the time this months statement came out. I have called the company XXXX more times since then. They do not seem to be investigating, removing these fraudulent charges nor responding. I have also hit the " dispute charge " button onthe statement page with no response.
Product: Debt collection

I am writing to formally dispute the collection account referenced above, which is currently reported on my credit report. This account contains inaccurate information that needs to be addressed promptly.

1. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$440.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request. 

Here are the specifics of the disputed information : Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Balance : {$440.00} High Credit : {$440.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements ; Customer disputed account - reported by subscriber ; Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.
Product: Mortgage

Original bank sold my mortgage to Ocwen XXXX back in 2013, I 'been trying to get modification ever since, the XXXX time I made payments for three months and after the three months I was denied, next I try short sale for almost a year it was back and forth, finally I tried modification again and got it again, after XXXX payments later they ask for {$650.00} more no explanation, I do not want to lose my house, and it 's almost impossible., they milk the time so the total amount will be grader, do they have the right to do this?
Product: Credit card or prepaid card

On XX/XX/2022 it was brought to my attention that Navy Federal Credit Union has been collecting unearned interest which is a violation of ( 15 U.S.C. 1615 ). Also, Navy Federal Credit Union has not been applying/transfering my principal balance to my account and have told me after a phone call to customer service that they was going to charge me late fees and have put my account in collections because I haven't sent them Floating Rate Notes/ Federal Reserve Notes. Navy Federal is demanding that I send them a total amount of {$79.00} before the XXXX of XXXX. I'm trying the understand how Navy Federal thinks I owed them U.S. Currency which is an obligation of the United States? pursuant to ( 18 U.S.C. 8 ). Also, I have been sending my endorsed dividend check/ coupon/ remittance slip that comes on the bottom of my Bill to Navy Federal po box /LOCKBOX and Navy Federal has not applied them to my account or has not sent them back which is a violation of Uniform Commercial Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I have sent letters to both XXXX and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to XXXX asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX XXXX XXXX on XX/XX/2022 as well. After sending multiple requests to both XXXX and XXXX XXXX XXXX XXXX has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to XXXX as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.
Product: Debt collection

I have been violated by XXXX XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX  is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit card

I initially opened a case with the agency, case number XXXX, regarding fraudulent and inappropriate billing practices by Lowes store credit card operating under synchrony bank. While I was issued a refund, I have since been charged an additional {$2.00} fee, despite having closed my account. Synchrony Bank is engaging in predatory billing practices, imposing unjustified fees that burden customers and potentially harm their credit. This additional fee should never have been charged. I urge you to investigate this company 's inappropriate billing of consumers and take necessary action to protect customers from such exploitative practices.

Thank you for your attention to this matter.
Product: Checking or savings account

Marcus froze both my savings accounts and I got no notice they were frozen and it caused a payment to bounce and caused late fee and bounced payment fee from my landlord this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account name XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XXXX, XXXX, Account name XXXX Account number XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXX Account number XXXX Date opened XX/XX/XXXX, Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX. 
The above accounts have violated my rights. 15 U.S.C Section 602A states, I have the right to privacy 15 U.S.C Section 604A Section 2 : States, a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting, credit repair services, or other personal consumer reports

Between, XXXX XXXX and XXXX is a violation act of the FDRA Reporting inaccurate date last active or last payment are not the same in each credit bureau