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

I was mislead to believe that I had 24 months no interest, come to find out it was deferred interest. I had originally financed {$18000.00} on XX/XX/XXXX I had it paid all the way down to {$4500.00} on XX/XX/XXXX and they just hit me with a {$7900.00} interest charge!!! I called synchrony bank and stated I would gladly pay the {$4500.00} balance in full but they will not except that. I really need to get to {$7900.00} and 84 % interest charge off of the account and I could afford to pay the remaining balance.
Product: Credit card or prepaid card

On XX/XX/XXXX, while at work I received an email that my utility bill had been declined of payment, I then begin to look into my account, because I know I had the funds needed as I had just received my school refund on XXXX XXXX. When logging into my bank account, I notice my available balance was showing {$30.00} in my account, I then proceeded to look at my transaction history, where there were fraud charges made on my account one made on XX/XX/XXXX at a ATM location for three amounts of {$200.00} and one amount of {$100.00} on XX/XX/XXXX, the thief proceeded to also visit a second location, where they then took two more charges of {$200.00} taken out my account. These are not charges I am aware and did not authorize to be taken out my account. These transactions are all fraud transactions. So on XXXX/XXXX/XXXX when I realized the charges made I then reached out to my bank to cancel the card and get a replacement, and as well open a dispute investigation with my bank. These charges are being investigated by my bank now, and up to 45 days. I have reached out to the locations where the fraud happen on XXXX and XX/XX/XXXX to obtain additional information they could give as I am aware ATM locations does have cameras, however, I have yet to get a response or phone call back. As well as I did reach out to those city police departments and was directed to file the report with my local department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.
Product: Credit card

I have been trying to resolve this issue with XXXX XXXX  since XX/XX/2023 since the day this charge posted. I could not getting anywhere with them as they wanted me to provide proof of my payment. I finally got a hold of XXXX XXXX XXXX to investigate themselves which they did. The company states they had their treasure department investigate and they refunded my card the purchase and I would receive it within XXXX to XXXX days still no correction. I have saved the voicemail with all the information stating my credit card was refunded also provided the contact info to XXXX XXXX even though I paid the charge to protect my credit I didnt owe it. The party who made the error credit it but I never received it.
Product: Debt collection

M. G. CREDIT XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX Dear Sir/Ma'am I am writing in hopes of your agency sending me all required information about this debt your agency has placed on my Consumer Reports. I requested this information previously and never received it. PLEASE SEND ME : Who is the Creditor, Original Contract, the ASSIGNMENT CONTRACT between M.G. Credit and the Creditor, Proof of State License to collect, Line by Line accounting of original account, ( NOT COLLECTION AGENCY ACCOUNT ), Date of Last Activity, Date of First Delinquency, Proof debt owed is within Statue of Limitation for Florida. I dispute this debt or any portion of this debt. I am requesting validation/verification of this debt. If you think I owe you this debt please send me this information in writing. I am looking for accuracy, completeness, and correctness. Please do not call my cell phone. Thanks for your response in advance. XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX AUD- PLEASE PROVIDE ENSURING ROUTED TO PROPER CRA WITH PROPER DATA WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW. 

I HAVE NO IDEA WHO YOU ARE. I NEVER HAD ANY CONTRACT/ASSIGNMENT WITH YOUR COMPANY. HOW DID YOUR COMPANY RECEIVE ANY OF MY INFORMATION? 

Proof all rights are transferable 1692. Congressional findings and declaration of purpose 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692e. False or misleading representations 1692f. Unfair practices 1692j. Furnishing certain deceptive forms 1692k. Civil liability 1692g. Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS BANK DELAWARE XX/XX/2023 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on BARCLAYS BANK DELAWARE and I noticed that this unauthorized inquiry had been made : { dispute_item_and_explanation } I contacted BARCLAYS BANK DELAWARE, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

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

This is my 8th 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 XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX # XXXX XXXX Amount : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX/Dept of ED # XXXX Amount : {$2000.00} Date:XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} Date:XXXX, Action : Closed account returned device. 
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 writt
en instructions
Product: Checking or savings account

On XX/XX/year> I opened a Marcus Bank ( by XXXX XXXX ) savings account. The website boasts about unlimited withdrawals. 

On XXXX I XXXX {$10.00} into my account coming from XXXX XXXX XXXX. It was XXXX instantly. 

On XXXX I had a XXXX XXXX XXXXt of {$1000.00}. 

On XXXX, I attempted to withdraw {$1000.00} to XXXX XXXXXXXX XXXX  XXXX On XXXX XXXX contacted my wife, and advised her that they could not verify who XXXX XXXX XXXX was and they were canceling the withdrawal. 

I contacted XXXX on XXXX at XXXX AM XXXX, the representative told me the problem wasn't with the amount but it was with the bank ( XXXX XXXX XXXX ). He said I needed to call after XXXX AM XXXX to get it fixed. He told me I could freely deposit into my XXXX account. Right after that I got off the phone with him I transferred {$600.00} into the XXXX account. Several hours later the {$600.00} ended up getting reversed. 

Also on XXXX at XXXX Central time I contacted the bank to get XXXX XXXX XXXX verified. It took XXXX minutes but eventually we did a XXXX way call with XXXX XXXX XXXX and got it verified. At that point I withdrew {$400.00} into that account. The representative told me I may have a problem with the XXXX XXXX XXXX account being verified, but I didn't have anymore time to correct that. Later that day the {$400.00} got reversed. 

At XXXX AM XXXX I called the bank to get XXXX XXXX XXXX verified, and was told to try to withdraw to it first to see if it will go through. So, I withdrew {$5.00} to XXXX XXXX to test it out. Later that day it got reversed. 

In all the above conversations I have explained to ever representative that I have talked to, that I very recently had XXXX and this money is critical to keeping me afloat. Not only did I lose money from not working but the medical bills were mounting. 

What was XXXX ' solution to all of this? 

By XXXX XXXX on XXXX XXXX they decided to block all my withdrawals and Lock my account. When I called in the representative said " we are not a checking account you haven't even earned any interest yet. '' I told her about my XXXX bills, and the end result is that I'm locked out of my account with no way of getting the money and paying my bills. 

On XX/XX/XXXX, at XXXX PM Central time I was advised by XXXX from the XXXX department that I will continue to be locked out of my account and I can not withdraw any money until I receive interest. 

I finally asked to close my account, and was advised that I can not receive my money back until I receive interest. The website clearly states " unlimited withdrawals ''. There are no qualifiers on the website about the statement " unlimited withdrawals ''. 

Every XXXX of my money has completely cleared so there is no risk of the Bank losing money on this. 

I desperately need to pay my XXXX and XXXX XXXX My creditors are not interested in hearing about a bank who won't let me have my own money. Unlimited withdrawals should mean unlimited withdrawals. I was not even allowed to withdraw {$5.00}, they even reversed that XXXX. 

Please help me with this.
Product: Credit card or prepaid card

I paid off my balance. Then I accidentally transferred an extra {$5200.00} instead of sending it to my savings. That was XX/XX/XXXX. On XX/XX/XXXX I requested they return the money to my checking account. Bank of America visa said it would be 5-10 business days. XX/XX/XXXX was ten business days. I called on XX/XX/XXXX and then said I would have the money by close of business day. I still do not have my money. Thats a very scary amount of time to not have my money yet returned to me.
Product: Student loan

I am getting hit with interest like crazy, especially once Navient took over. I have a repayment plan set up but, I am getting hit with interest higher than my payments and late payments being added even though I am making on-time monthly payments. This is affecting my credit score and any chance of ever getting any credit established because my credit keeps looking worse due to late payments, even though I am paying, and the extreme balances that have ballooned and still increasing every month. This has become a very stressful situation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the reason was because of a transaction of me selling a cosmetic cream for OTC I found at my local XXXX and beauty store I contacted XXXX and an agent gave me a reference number because she did n't see anyone reason for my account being limited when I did not violate their policies. <P/>Plus they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business. <P/>I contacted paypal with information and spoke to XXXX she still refused to overturn the decision and stated that what paypal is doing is completely legal since all Financial institutions like banks hold consumer funds for 180-days even if they are granted a money transmitter License type II in FL even though paypal is n't a bank they can still with held funds, when I told her to further explain to my why paypal would over ride state laws and state constitution she stated to me it 's with in paypal policy! XXXX refused to give me her last name and the last name of her co-worker who contacted me via email with the notice of my funds being seized for 180 just their badge number XXXX ID XXXX / XXXX XXXX. <P/>I would like this to be resolved with my account being open for me to remove my, I am willing to leave a Balance of XXXX out of XXXX for any returns of charge backs. <P/>I would like to have my funds removed immediately because I read their user agreement that they are not liable for customer funds in case the company goes bankrupt my funds are not protect by any FDIC, I feel like I have been robbed because not only have paypal not pay me accordingly but I am also out of Merchandise I would appreciate a call bank and a resolution to this matter. <P/><P/><P/><P/>Thank you! Paypal # XXXX XXXX ID XXXX / XXXX ID XXXX IN REGARDS TO ACCOUNT BELONGING TO XXXX XXXX XXXX PHONE : XXXX In regards to transaction XXXX ( In this transaction I sold a cosmetic cream with the legal Hydroquinone Fade OTC Non prescription ingredient that advised by the FDA which is 2 % it had proper Labeling and guide lines it is legal by law the item in question can be purchased at XXXX, XXXX or other Hair and Beauty stores ). If you would like to contact XXXX for further proof of I wasnt in any violations you can do by callingXXXX XXXX XXXX XXXX XXXX givethem this reference XXXX user ID : XXXX Name : XXXX XXXX XXXX XXXX XXXX. Thank you very much! -
Product: Debt collection

DEBT VALIDATION LETTER Date XX/XX/year>XXXX  This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, b

ut a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30_days from the date of your receipt. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Product: Credit reporting

On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.
Product: Credit reporting or other personal consumer reports

I reached out to PennyMac by phone on XX/XX/XXXX regarding a delinquency reported on my credit report. The agent, XXXX could not explain the delinquency and told me the XXXX department would reach out in XXXX  days. XXXX  days passed and the response was that they still had not update. On XXXX, they responded that their legal department would respond. On XX/XX/year>, I was still awaiting a response. XXXX, I received a response that their legal department declined my request to correct my credit report but still with no explanation of why the inaccurate information was reported.

Additionally, PennyMac has closed a renovation loan that had {$34000.00} of funds unused. Those funds, according to my closing documents were to by applied to my principal balance in the form of a principal reduction within 30 days of closing the loan. It has been over 2 months and those funds have not been applied to my principal balance. I reached out to the renovation XXXX regarding this error and he said he would reach out to another department. Again no action has been taken to fix the error. 

This company consistently engages in shady practices and needs to be closed due to their mismanagement of client accounts. Especially since the consumer has no way of stopping Pennymac from purchasing loans, forcing the client to do business with them or pay large fees to refinance.

The documents I have attached show payments to PennyMac from my bank account. The additional document shows my loan activity with no principal balance reduction for the unused renovation funds.
Product: Student loan

To Whom It May Concern, My complaint is with XXXX XXXX XXXX Navient. I attended XXXX XXXX XXXX  from XXXX. I had XXXX XXXX XXXX XXXX XXXX loans that were originated by XXXX XXXX and then there was a merger where Navient took over the loans that XXXX XXXX had. I have tried to contact XXXX XXXX and they tell me to call Navient, and Navient acts like they have no records of me having Federal Loans with them. ( Please see the attachments provided that proves that my Federal Loans were transferred to Navient ) In XXXX my mother who was my co-signer on the loans, took a loan against her pension for {$50000.00} to pay off Navient because she was receiving threats of garnishment from Navient and she was afraid she was going to loose her high-level managerial position with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX She paid off the loans with her pension loan. 
My complaint is that Navient never applied that money to my loans, and then they transferred my loans to the Direct Loan Consolidation program, where the loans were paid off by the US Dept of Education. This is all coming to light now in XXXX because due to the Sweet vs. Cardona lawsuit my loans have been forgiven by the US Dept. of Education, and when I brought it to there attention they told me I should contact Navient. I have contacted Navient on more than several occasions, and they refuse to provide me with any payment details, and only will tell me that the loans were transferred to the Direct Loan Consolidation program in XXXX. Any help with this matter is greatly appreciated, as I feel that I have exhausted all of my options for a resolution.
Product: Credit reporting or other personal consumer reports

I have disputed several items asking the company to provide historical data and also the balance amount. After several failed attempts I have not Recieved the information. I have also asked another company to verify information and they have yet to do so
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payments associated with my XXXX XXXX XXXX XXXX credit card account XXXX for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which appear inaccurately on my consumer report. This information incorrect and is negatively impacting my credit report and, consequently, my means of living. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my consumer report. Under 15 U.S.C. 1666b, I demand the immediate removal of these inaccuracies.

I would like to point out that I have not received any of the required documents as cited in 15 U.S.C. 1637b. The absence of this information further supports my claim that the reported late payments are erroneous.

If these inaccuracies are not corrected and removed from my credit report in a timely manner, I will be compelled to pursue all damages allowable for willful non-compliance under 15 U.S.C. 1681n. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed. Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report. 
Please investigate this matter promptly and provide me with written confirmation of your findings and any actions taken. 
Thank you for your attention to this urgent issue.