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

On XX/XX/18 at about XXXX. I attempted to send {$130.00} from my Navy Federal Credit Union checking account to an individual located in the XXXX XXXX electronically. 

After verifying my identity to two different individuals, bank personnel in the wire transfer department started asking me a bunch of personal questions about what the money was for and how I had met the person. While I realize there are a bunch of online schemes out there ( romance, get rich quick ) and could understand a bank employee being required to inform me about them, to mandating that I disclose personal details about my relationship with anyone is a violation of my privacy and an overreach of their authority. 

After reluctantly answering her questions. She requested to send me a confirmation code via phone. I requested this to be done by email, just like I have done ever since two party verification was mandated by the bank. I was informed that it had to be done via phone for some undisclosed reason. Again if I can use this method for my everyday banking needs and to send unlimited moneys from my account to anyone I want, why is it that I have to do anything via phone for a wire transfer. After reluctantly providing this information to the banker and verifying the code I was then informed that she could not perform the transfer for me and that I had to follow the very same procedure that doing this phone verification procedure was supposed to avoid. She stated I had to file a written request first electronically and the someone would contact me about it via phone. 

As I'm sure that your agency is aware of, telemarketing and phone scams are the number one threat to consumer privacy and financial security in this country. Myself and many like me combat this by not giving anyone, anymore information than they need to accomplish their job. This would also include phone numbers. Every company out there will tell you they don't sell phone numbers and they won't market to you. Then they call you under the vise of some other XXXX or give it to one of the dozens of their affiliates so they can can hound you. The simple fact of the matter is the more people/companies you give your phone number to the more scammers and marketers will call you and the more likely your are to become a victim of fraud or ID theft.
Product: Debt collection

on XX/XX/2021, i sent a letter to PORTFOLIO RECOVERY ASSOCIATES about a alleged debt of XXXX and requested them to cease and desist everything until i received the validity of the alleged debt that they say i owe.it was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Sun, XX/XX/XXXX, XXXX XXXX.
Product: Student loan

On or about XX/XX/XXXX, I contacted Navient due to a change in income that reduced my monthly take home pay by $ XXXX/month as well as additional financial obligations I have for other student loans which had recently re-entered repayment. I explained the change in my circumstances and requested a reduction in my interest rate to enable me to maintain my on-time payment history. Navient denied my request and said that they would allow me to make interest only payments for six months. I explained that this option did not address my needs and would only cause me to pay more month over the life time of the loan. They said this was the only option they were willing to offer at that time. I thanked them for this and advised that unless a different arrangement could be made, it would risk putting me in financial hardship and possibly not able to make the payments on my loan. 

On XX/XX/XXXX I contacted Navient again, regarding a further change to my income due to the Coronavirus / COVID-19 pandemic. I explained that my wages were being reduced and the possibility that my position would be eliminated within 2 weeks, and I requested a deferment or forbearance of payments for 6 months so that I would have enough time to assess my financial situation, pay for necessary expenses such as groceries and shelter, and not miss payments during this time. The monthly payment amount which Navient requires from me is almost 40 % of my monthly income and this was not sustainable. The representative asked if I had lost my job, and when I confirmed that I was still employed currently, but with a further reduced income and the possibility that my job would be eliminated in the near future, she said that " Deferment and Forbearance are only for people who have lost their job. '' She then proceeded to tell me that she would reduce my payment by {$400.00} to $ XXXX/month and asked if I would be able to make that payment amount. I told her that I was confused about her math because my monthly payment was significantly higher ( $ XXXX/month ). She then told me that I was " being hostile '' and that she had never said " $ XXXX/moth, '' to which I responded that I would like to have a copy of the recording of our conversation to verify this because I had been taking notes during our call. She told me that her manager would handle that request and that I would receive the recording " within 2 weeks. '' I asked for her employee identification number ( it is # XXXX ) and she then hung up without providing any information as to how I would receive the recording of the call.
Product: Credit card

I was put under Financial Review. I submitted the requested information the same day it was asked for ( XXXX/XXXX/2016 ). A few days later I received a voicemail from XXXX XXXX and I returned her call, only to get her voicemail ( during her working hours ). We played phone tag XXXX or 3 times. On XXXX/XXXX/2016 I was notified by mail that my account with AMEX was closed. I called AMEX ( an option in the letter ) I was told my financial review was n't done because they needed more information and it was not obtained, therefore my account was closed. However, this was never told to me in any of the voicemails from XXXX XXXX. Again, I was directed to XXXX XXXX and we played phone tag 2 or 3 more days, the last call that was made was me leaving yet another voicemail for her, to this date I have not heard from her. I then wrote a letter to AMEX ( that was another option. ) I asked them to call me but I have yet to hear from anyone with AMEX. This was 30 days ago.
Product: Checking or savings account

I opened this claim XXXX agains TD BANK. They sent me a letter saying that the charge back request is under review, they credited my checking account with the disputed amount, and a few weeks ago the bank revoked that credit without any letter or comunication telling what is going on with the dispute. 
The merchant never sent the items to my address...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that should not be there. After studying relevant laws, I discovered that this violates 15 U.S. Code 1681 ( a ) ( 4 ), which protects consumers ' right to privacy. These bankruptcy claims are inaccurate and should not appear on my credit report. By including this information, you have released my personal data without my consent, which is a serious violation of my rights. This is completely unacceptable, and as a XX/XX/XXXXXX/XX/XXXX, I am making it clear that you are both criminally and civilly liable for this misconduct.
Product: Debt collection

I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 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 ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX
Product: Money transfers

I noticed XXXX unauthorized charges were made to my bank debit card by PAYPAL. When I contacted Paypal ( representative as well as her supervisor ), I was informed that my account in on hold since XX/XX/XXXX because of certain verification information is needed. I questioned how can they make an unauthorized or authorized withdrawal from an account that is on hold or pending some verification? It is my understanding that they should not be able to withdraw from my account either if my account was under verification, and if they did, they should be able to refund the amounts on request. I question the legitimacy of their practice that when an account is pending verification, they can take the money out of that account but will not refund it under the same status even if those charges are unauthorized and fraudulent. 

Following XXXX charges are unauthorized ; XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX Following charge was authorized, taken from my bank account, but never paid to vendor nor Paypal will refund it to me : XXXX/XXXX/XXXX {$7.00} MERCHANT PAYMENT PAYPAL *XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

a hard inquiry was added to my credit report from XXXX XXXX. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( XXXX XXXX ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact transunion as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRES ARE FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEED TO BE REMOVED IMMEDIATELY. THESE ARE NOT OPEN ACCOUNTS AND DID NOT HAVE MY AUTHORIZATION. 

XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian
Product: Credit card

JP Morgan Chase Bank NA submitted a 1099-C to the IRS in XXXX but they never attempted to collect the debt from me or notify me from when it was charged off in XXXX. This account was charged off in XXXX when I was divorcing my ex husband and we were using XXXX XXXX to handle and settle and make payments on our accounts. According to Florida Law the statue of limitations were up in 5 years which was XXXX. This was illegal activity from JP Morgan and not only that, there was never any attempt to collect the debt from me. They never attempted to collect, and all this time later is a violation of Florida collection laws. There was NO ACTIVITY TO COLLECT in 7 years. 

The IRS form XXXX statute of limitations sets the timeframe during which the IRS can assess additional taxes or the taxpayer can amend returns related to canceled debt income. Here are some key points : Typically, this statute extends for XXXX years from the due date of the tax return with reported canceled debt income1.

You should receive Form 1099-C by XXXX XXXX the year after the debt was canceled or forgiven2. 
Generally, there is no statute of limitations on a 1099-C, but the creditor does have to send you the form promptly so that you can include it on your tax returns3. 
Statutes of limitations vary by state and by type of debt, but creditors are not required to file a 1099-C at that time since they can continue to try to collect on debt indefinitely4.
Product: Credit card or prepaid card

Please issue provisional credit for dispute confirmation number XXXX in the amount of {$19.00} submitted on XXXX XXXX, 2020.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX XXXX name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXX Credit Card responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.
Product: Checking or savings account

Explanation of complaint : I, XXXX XXXX, walked into a Wells Fargo Bank on XX/XX/2018, located on XXXX XXXX XXXX XXXX XXXX, WA XXXX with a check in the amount of $ XXXX. This check was given to me by a ex friend XXXX XXXX, whom owed me . Moving forward I had no idea until I reached the bank that I was being defrauded by ex friend XXXX XXXX. Originally spoke to a teller by the name of XXXX, whom informed me that the check numbers on the bottom of the check were inaccurate, as well as the check had been written off of a closed out account. I did present a valid WA state driver license & was honest about how I came into possession of the monetary instrument with the teller XXXX. Before this situation I did not know that this was an invalid check that had been presented to me by ex friend XXXX XXXX. Furthermore, the Bank Manager immediately contacted the authorities even after I was made aware by the Bank Teller XXXX that the check was not a legitimate monetary instrument. I was immediately treated as a criminal as the bank Wells Fargo was setting me up to be arrested by the XXXX County Police Officer XXXX. As I was on the phone trying to get ahold of ex friend XXXX XXXX, they set me up same as my ex friend XXXX XXXX by leading into a trap & sending me to another teller by the name of XXXX, whom later during trial tried to admit that I really did not do anything wrong. As well as admitted to my Attorney that I actually did nothing wrong as well as the other tellers that were there that day admitted the same thing to my Attorney. So when I was transferred to XXXX. Why did Wells Fargo in XXXX, WA use XXXX to hold me to be entrapped in a legal situation such as I am involved in now? Why did XXXX say to me falsely that we got your situation handled & we are going to cash your check? Yet the check still had not been endorsed by me. Why did the bank use entrapment in order to make me believe that a bad check had been validated all of a sudden & use XXXX to keep me there as a stall tactic. So that I can be unlawfully arrested by Officer XXXX. The bank described me as a dark skinned XXXX or XXXX XXXX male that was trying to cash a check. I am feeling that if I had been not a male of XXXX that walked into a Wells Fargo located at XXXX XXXX XXXX XXXX XXXX, WA XXXX with a unbeknownst to me a stolen monetary instrument. That I would have been treated completely different as I had been truly set up by my ex friend XXXX XXXX, Wells Fargo Bank , & XXXX County Police Department. They merely judged me as least the Branch Manager did by what they felt I was in reference to race. I feel that if I had not been a male of XXXX then the Wells Fargo bank would have been more understanding with me & treated the situation as it truly was me being defrauded. Yet in this situation I was treated as it was supposed to be treated me being set up. Moving forward now that this happened with me whenever I go to my own bank XXXX. The tellers are rude & suspect that I am trying to defraud them in some type of way. Based on a crime that was truly committed against me.
Product: Debt collection

After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months XXXX. XXXX  XXXX XXXX  XXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor XXXX XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of 07/29/20 provided by PRA, LLC.