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

BOTTOM LINE : PayPal opened an account in my name without my consent, is holding credit card reimbursements in that account and telling me I have to pay them a 1 % transfer fee to have the funds sent to my credit card. 

FULL EXPLANATION : PayPal used a reimbursement of {$1100.00} to my credit card through PalPal to open a PayPal holding account under my name without my consent. When I called customer service on XX/XX/2019 to ask that the holding account be closed and the {$1100.00} be reimbursed to my credit card, XXXX ( the customer service representative ) told me that I could transfer it back to my credit card for a 1 % transaction fee. When I objected, XXXX talked to her supervisor and told me the full balance would be returned to my credit card within 24- 72 hours. When I called back 48 hours later on XX/XX/2019 in response to additional reimbursements being held in the holding account, the PayPal customer service supervisor XXXX told me it was a " computer glitch '' and the " engineers were working on it ''. I asked to be reimbursed so that I did not had to bear the cost of the glitch. XXXX said he could not do that but that I could transfer the funds myself for a 1 % service fee. It is now XX/XX/XXXX and PayPal is still holding {$1100.00} the account.
Product: Credit card

I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account.
Product: Vehicle loan or lease

Regarding Mercedes-Benz Financial Services Account # XXXX The original vehicle contract was to terminate XX/XX/XXXX, with 30,000 miles. 
Mercedes allowed me to pay for a 1 month extension to the lease, extending the contract from XX/XX/XXXX to XX/XX/XXXX. 
I returned the vehicle on XX/XX/XXXX, with only 23,946 of the 30,000 allowed miles used. 

Despite only using a portion of the 1 month extension I paid for, as well as the substantial sum of unused miles ( roughly 6,000 ), Mercedes has assessed an end of lease turn-in fee of {$640.00}. All this despite no damage or excess wear or tear. 

I request that Mercedes waive the turn-in fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

I was XXXX in the Military which caused late payments to be reported on my payment history. When I was XXXX the only payments they would accept were payments made by certified check or cashiers check and they had to me mailed to the company. I mailed the certified checks on time to them but by the time they were done processing the payments they reported them late. They were not 30 days late that they are indicating on my credit report. They were only a day late at most but the checks were mailed in plenty of time from my XXXX location and the envelopes were postmarked well ahead of time before the due date.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX sold my account to XXXXXXXX XXXX XXXXXXXX I asked XXXX XXXX XXXX XXXX for a 1099 form so the debt can be discharged from my XXXX credit report The company refused to respond. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and XXXX. He opened a credit card account at XXXX XXXX  last XXXX, another one from SYNCB/PPC last XXXX, and another from XXXX XXXX XXXX last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.
Product: Debt collection

QWR Qualified Written Request Notice of Error LOAN XXXX OWNER XXXX XXXX LAST S.S. XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX IN XX/XX/2012 WHILE THIS PROEPRTY WAS UNDER A FEDERAL STAY THE LOAN SERVICING COMPANY XXXX VIOLATAED MY BANKRUPTCY RIGHTS BY ADDING ON PAYMENTS TO THIS LOAN FOR FORCED PLACED FLOOD INSURANCE AND HAZARD INSURANCE PAYING OFF A TAX PAYMENT CONTRACT THAT IS PART OF THE DEBTORS CONFIRMED BANKRUPTCY PLAN AND ASKING FOR THAT MONEY IN A ESCALATED PAYMENT NOT IN THE PLAN. THE DEBTOR HAS BEEN FORCED TO MAY ATTORNEY FEES AND CHARGES ON THIS LOAN THAT HE SHOULD OF NEVER BEEN CHARGED PER THE BANKRUPTCY PLAN AND FILING. NOW I AM ASKING SELENE TO INVESTIGATE THE HISTORY OF THIS LOAN AND JUSTIFY XXXX XXXX CONCERNS IN THIS CFPB COMPLAINT. SELENE RECEIVED THIS LOAN FROM XXXX   WITH ERRORS AND HAS NOW ADJUSTED THE PAYMENT TO THE CORRECT AMOUNT OF {$260.00} BUT HAS REPORTED TO THE CREDIT BUREAU THAT XXXX XXXX WAS LATE TWICE ON THE PAYMENTS WHEN INFACT XXXX XXXX HAD PAID THE CORRECT AMOUNT ON TIME AND SELENE AT THAT TIME OF PAYMENTS TRIED TO REFUND THOSE PAYMENTS WITH CHECKS XXXX AND XXXX. AS OF TODAY XXXX XXXX HAS NOT CASHED THE CHECKS AND THE ACCOUNT NOW SHOWS A CREDIT. PLEASE ADVISE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeated times for Portfolio Recovery Associates to provide me with the signed contract that I have supposedly entered into with them on something they are illegally reporting to my credit reports. To date for over 2 years they have failed to provide me with anything showing what this debt is supposedly for, the signed contract, what the charges are for, and how the total was calculated. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

USAA MAKES FALSE CREDIT REPORTING STATEMENTS TO AUTHORITIES. WHY IS THIS LEGAL? XX/XX/XXXX CFPB XXXX, XXXX, XXXX USAA CONFIRMS over {$2000.00} of Fraud Credits Applied Timely & Appropiately. for those I did get letters see attarched XX/XX/XXXX FRAUD XX/XX/XXXX letter {$470.00}, XX/XX/XXXX FRAUD letter {$210.00} XX/XX/XXXX & XX/XX/XXXX FRAUD XX/XX/XXXX letter {$120.00} CONFIRMING TOTAL {$810.00} USAA CREDITS. see attatched statements XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( {$59.00} XX/XX/XXXX USAA CREDITS ) Where are USAA CREDITS?
Product: Student loan

I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be  affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}. 

I checked this weekend to see where Im at with qualifying payments- it said 3!!! 

I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled. 
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford. 
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying? 
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying? 
Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX
Product: Debt collection

On the XXXX of XXXX I consumer XXXX wrote a letter to company Amerassist AR Solutions to validate an alleged debt of {$1300.00} that appeared on my all my consumer reports certified mail via USPS on tracking number XXXX XXXX XXXX XXXX XXXX. The company replied with a copy of a contract from XXXX. First, I'd like to know who gave XXXX the permission to share sensitive information with a third party company like Amerassist? Under what law did company Amerassist gain the right to collect on this alleged debt? Where are the validation information requested pursuant to 15 USC 1692g per my request over two months ago? In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I have attached the letter sent to Amerassist over 60 days ago on USPS tracking number XXXX XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

When making payments my current address & phone number are correct in their system. The system allows me to view payment schedule, make payments, and view all personal information. However, I can no longer request a loan, because Affirm refuses to delete my old cell phone number ( someone else has now ) & email address that has been deactivated ( four years ago ). When I called customer service, their representative thought I was trying to commit fraud, and refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account ( XXXX XXXX XXXX ) that has been investigated and deleted by XXXX and XXXX is still being reported by Experian, after disputing multiple times on XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 and never receiving a response I've decided that a complaint is necessary. This account is inaccurate and falsely reporting the wrong address and date and I've sent documents supporting the inaccuracies and requested for proof or validations of the account and I've never received anything back from Experian because of this the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file according to the FCRA and has been removed from my credit report held by XXXX and XXXX I am requesting that Experian follow the FCRA Guidelines and the item be deleted. Please follow suit and delete this account for accurate reporting as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act convergent, XXXX XXXX XXXX. # XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Jefferson Capital System Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Jefferson Capital System, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I emailed Money Key 's Customer Service Dept asking them to stop the upcoming ACH debit and future debits from my account. I told them this account was closing and that I would make alternate payment methods on this account. 

I emailed their Cust Serv again on XX/XX/XXXX specifically asking someone to acknowledge receipt of either of my two emails. I specifically stated that any prior ACH authorization that was given, was now rescinded and that they are not allowed to acess my account in any form without my permission. The 1st email was done within 72 hours as is typical time to react. They have intentionally avoided contact in the past. I want ( I NEED ) them to re-credit my account asap!
Product: Credit reporting or other personal consumer reports

My personal private and confidential financial information was not protected. I Have a right to privacy under 15-USC-1681 My Information was exposed in a data breach and a hack. I have a right to be protected.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX  : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 or prepaid card

Navy Federal Credit Union closed my open end consumer credit plan without my authorization and permission. See attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing victims of their own data breach to place credit freezes on their account without charging them. I understand the process and that I can only supposedly get one with a valid police report, but I should not have to pay money to the entity that confirms it lost all my personally identifying information in a massive security breach. I would like my credit to be frozen on their end and I want them to reimburse me the {$20.00} I spent to put credit freezes on my XXXX and XXXX reports, as I should not have to pay for their mistake. I have attempted to call Equifax, find a way to contact them through the web, and have not been successful. Their automated system does not have any option to place a freeze without paying, there is no option to talk to a representative. I do not want to sign up for their credit monitoring and bind myself to their arbitration agreement. This is the single-most egregious thing a company has ever done to the American Consumer as a whole. I want my credit frozen and the cost of my freezes at the other two agencies reimbursed.
Product: Debt collection

The company XXXX that I am a principal of had some difficult times. I understand the bill owed to XXXX XXXX is valid ; however, I am a guarantee on the account XXXX ( XXXX ). Acct placed with a law firm in XXXX XXXX ( Pittenger ). Paid balance XX/XX/XXXX. Processor server served my wife XX/XX/2019. She is not on the account or part of the business. Called XXXX XXXX and they referred me to a number XXXX XXXX XXXX - they were closed. Before that when I call XXXX XXXX and put in acct number it refers me to XXXX and hangs up. Went on chat and the rep and manager keeps telling me to call the XXXX because the acct has a XXXX balance. I asked why I need to tell the collection/law firm - when XXXX XXXX knows I paid the balance. I have a court date for XX/XX/2019 this bill that has a XXXX balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXXXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION IS LEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax date breach and may have got into the hands of the wrong person.
Product: Debt collection

I paid partial payment of {$60.00}, through XXXX and the payment was from my online banking.