23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These are the accounts that are inaccurate. 

XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX BANK AND XXXX Account number XXXX XXXX. Account # XXXX Company : XXXX XXXX XXXX XXXX. Account Number : XXXX Company : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX loans Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Money transfer, virtual currency, or money service

It was my first time to transact business with remitly inc to send money to the XXXX. The transaction took place on XXXX XXXX, XXXX. As part of their promo for first time clients the company 's website stated that the fee of {$3.00} will be waived as well as the dollar to peso conversion will be {$1.00} = P XXXX. I signed up and entered all my information including my debit card info. I made a transaction of sending the amount of {$600.00} to be converted to XXXX peso amounting to XXXX. Upon completing the transaction my receipt showed that the conversion was XXXX instead of the promised amount as stated. The recipient according to the receipt received an amount much lower than the actual conversion. I called the company and spoke with the rep and I was informed that it was an online oversight? And there 's no way that they can correct the mistake. The support team informed me that the difference in the amount will be added to my next transaction. I thought that it was totally misleading of the company to drive on the promo and then omit a disclaimer that there 's a chance that the promised amount will not go through after finishing the transaction.
Product: Checking or savings account

excessive closing penalty CD fully matured on XX/XX/2022 Requested that account be closed on XX/XX/2022 Bank charged penalty because account was not closed within 3 days of XX/XX/2022 My position on this account is that I should only forfeit interest earned after XX/XX/2022 the bank has instead cancelled all interest earned prior to XX/XX/2022
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
Im opting out of : XXXX XXXX : Chargeoff XXXX XXXX XXXX : Chargeoff XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Collection account. XXXX XXXX XXXX : XXXX  XXXX XXXX  : Collection Account/Chargeoff XXXX XXXX XXXX XXXXXXXX : Chargeoff  XXXXPer the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.
Product: Debt collection

I, the XXXX assigned the judgment debt for collection to Landmark Collection Services, INC on XX/XX/year>. Company has failed to collect debt and does not respond to any voice mails or e-mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXr {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX two accounts that was not mine provide identity theft form also police report and is till on there no results have been to me I would like for this information to be deleted is causing my credit to drop
Product: Credit card or prepaid card

A year ago, I got a Self Lender credit builder account and made all of my payments on time and paid off. Instead of getting the fund back at the end of the term, they offered me a credit card which I accepted to build my credit further. 

My funds of {$450.00} was transferred to the secure credit card. My credit card was in good standing until XX/XX/2021, when I lost my job and was going through hardship. 

They decided to close the account because because I was making payments. I understand that and was fine with it. 

The problem is that, they decided to keep my {$450.00} as charge off. They are not giving me the option to pay it off in full and then have it returned to me. That was my money. Its unfair that they get to keep it without if working with me. I also had to pay {XXXX} In fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired getting this resolved with a 623 dispute letter that BECU says the date of the first date of first delinquency is XXXX. On page 1 of the PDF attached from BECU. XXXX XXXX flat out says " No payments were received after XX/XX/XXXX. '' XX/XX/XXXX payment was past due., On XX/XX/XXXX and XX/XX/XXXX collections letters were sent to XXXX XXXX XXXX On XX/XX/XXXX the visa was 75 days past due Page 5 of the PDF shows a billing statement with a late charge also reflects the date of the first date of first delinquency being XXXX. The Law says The date of first delinquency also known as the XXXX is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. With that being said and the letter sent to me from BECU saying the XXXX is in fact XXXX. I am requesting this tradeline removed. BECU has reported inaccurate information knowing to the Credit Beru Which is violation of the FCRA. IF BECU refuses to delete this trade line please forward me your legal componence address because I will be filling suit for violation FCRA.
Product: Credit reporting or other personal consumer reports

I wrote a Letter to Experian after seen that my personal information were not accurate and also out of date. i request that they would correct the matter and provided state issued identification and proof of address to them so they can have as reference to correct the matter. and i asked a confirmation by mail. I never got anything by mail, but i did get an email stating that the information was verified. I wrote a 2nd letter asking that the provide a information on their investigation process as to how they came to verify this information that wasn't accurate. I then got another email stating that the information is verified again, and that they did an investigation, i then wrote a 3rd letter highlighting my rights and demanded that the resolve this problem or i will pursue legal actions against them. the finally send a letter stating that they were not responsible or the information furnish, but the responsibility of the Creditors that provided the inaccurate information, and addition, they stated that it was my responsibility to ensure that the information is correct and that they were not obligated to do anything further. I did file a complaint her on XXXX XXXX XXXX XXXX complaint this was 2 month ago, The XXXX states that they have 30 days to resolve the matter, but here we are far past the 30 days that they were allowed and in fact past the 30 sense my complaint, i feel that i am treated poorly and unfairly. I will also file a complaint to the FTC as well
Product: Debt collection

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND XXXX  XXXX COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Product: Debt collection

XXXX XXXX failed to send a written notification of the debt that was allegedly owed to FlexShopper. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with XXXX XXXX, it is with FlexShopper. As far as I am concerned this balance has been paid in full since XXXX XXXX paid off what was owed to FlexShopper in an attempt to try and EXTORT money.
Product: Checking or savings account

{$150.00} - XX/XX/XXXX- tried to get refunded from CashApp {$850.00} - XX/XX/XXXX. - tried to get refunded from cash app {$600.00} - XX/XX/XXXX- tried to get refunded from cash app and requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Prepaid card

My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.
Product: Bank account or service

To Whom it May Concern. 

I had an established PayPal account that was terminated unfairly. Under PayPal 's Terms and Conditions, I believe I did not violate anything to cause my termination. The response that I was given from Paypal was the following : Our decision is based on one of these reasons : 1 ) You provided information we believe false, inaccurate, or misleading. 
2 ) You sent or received money that could be related to fraudulent activity. 
3 ) You have more than XXXX account with a negative balance 4 ) You are in violation of an agreement you have with PayPal such as the User Agreement, the Commercial Entity Agreement, or the Acceptable Use Policy. 

On XXXX XXXX of this year, I bought XXXX Gift XXXX on XXXX separate eBay accounts ( both under my name ), with the same PayPal account. In no way is this a violation of PayPal 's Terms and Conditions. 

When my PayPal account was limited and I was prompted with the form to explain my two transactions, I told the truth that I used eBay gift cards to buy XXXX gift cards. 

The main issue I now have is that I have XXXX eBay gift cards, each for {$140.00} that are tied to XXXX different eBay accounts, but I need a PayPal account to actually use said eBay gift cards. Now that my account is terminated, I can no longer use the gift cards, thus losing out on {$290.00}.
Product: Debt collection

In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.
Product: Vehicle loan or lease

I completed in XX/XX/XXXX and they informed me that it would take 3 months for them to pick up the vehicle instead of listing on my credit i surrendered they now list me as 30 day late and next I know they will list me as 60 and 90 day and then repo. they are extensionally trying to destroy my credit instead of stopping and not take 3 months to pick up my vehicle I would like to know why it takes 3 months to pick up my car after I surrendered it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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: Mortgage

Wells Fargo Mortgage has created a situation where it can call in my high dollar, very low interest mortgage and force me to get a new mortgage with a much higher interest rate. Is this their intention?. 

I am almost XXXX XXXX years old and have difficulty dealing with this. 

Since XXXX I have had a Wells Fargo mortgage. For six years Wells Fargo Mortgage paid for insurance they required out of an escrow account. In XX/XX/XXXX Wells Fargo suddenly stopped paying the insurance bill without notifying me. When the insurance informed me their bill was past due, I called Wells Fargo. Wells Fargo told me this insurance was not necessary and they refused to pay for it. As a result, I no longer have this insurance. 

In the last five months I called or sent emails Wells Fargo about twenty times and had multiple conversations with insurance companies. In numerous conversations thru XX/XX/XXXX, Wells Fargo steadfastly asserted the insurance was unnecessary. However, in a letter dated XX/XX/XXXX, Wells Fargo Mortgage suddenly notified me my mortgage lacks required insurance and I must take immediate action to remedy the problem. Wells Fargo wrote they had made no error and implied I had improperly created this problem.
Product: Student loan

I had a total of XXXX loans ( approximately XXXX left to pay on ) through Navient that are all separated but under the same account. From the start I have signed up for automatic debit to receive the discount interest rate that they provide when doing so. To pay off my loans faster I typically make a large payment on the loan with the highest interest rate the week after the auto debit. When doing so, it prompts me with a question of " do you want to advance your payoff date '' or " would you like to make your next scheduled payment ''. I always select to make my next scheduled payment so I can pay it off as soon as possible. However, when my next auto debit comes out they the payment for the loan may be {$20.00} or {$140.00} but they will only put a few cents to a couple dollars towards it instead of putting the original payment towards it like i selected. The remaining amount is split between the rest of my loans ( got ta remember, I 'm paying the highest interest rate loans so they are putting my payment towards lower interest rate loans ). When I questioned them regarding this, they stated that my loans are in a group and the only way to fix it would be for me to cancel my auto debit. Now how does that make sense? Remove my auto debit so that they can continue my normal payment that I stated clearly that I would like to continue. Why ask me if they are n't going to continue my normal payment anyways? This happens every month since the inception. Cancelling my auto debit would increase my interest rate for all of my loans by a .5 %. That 's the dumbest thing I 've ever heard. I 'll take the hit of misallocating instead of a hike in my interest rate for {$30000.00} in loans. Get real Navient. 

I also had issues with their old site where they did n't have the functionality to select a specific loan to pay extra on. I could only make an extra payment and request that it go to a specific loan. Then I would hope that they would see the request and allocate it properly. It was n't until a few months into making these payments that I realized they were n't doing it. I would have to call and explain to the representative what happened and request that they fix it. They told me the only way I could do this is by calling in. So I started calling in my extra payment every month and requesting it go towards the highest interest rate loan. Some of the people would understand while others would simply spread the payment across the board. Countless calls and sometimes they would fix it and others they would n't be able to. The new website rolls out and I think finally they can stop messing up and I do n't have to call in anymore. Yet they simply find another way to have a quirk to XXXX the allocation process. 

Get your stuff together Navient. Ca n't wait to get rid of you. Hopefully I 'll have my {$65000.00} paid off this year and I hope they have enjoyed being a thorn in my side and wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!