23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that calvary cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Product: Credit card or prepaid card

wells Fargo will not give me my money back for charge that was not made by me and the company already admitted it was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters XX/XX/2022 about inaccurate information reporting on my credit and have not received a response from bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Contacted company a little over a month ago to opt-out of sharing my personal information/data to third parties ( XXXX, Equifax, XXXX ) XXXX My consumer report still has not been updated and its been past 30 days. They are in violation of the US Law 16 CFR Privacy of Consumer Financial Information. I would like the specific account removed from my report exercising my rights pursuant to 15 U.S.C. 6802- Obligations with respect to disclosures of personal information and 15 U.S.C. 6805- Opt-Out enforcement which all coincides with the United States federal law The Privacy Act of 1974 establishing a Code of Fair Information Practice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Vehicle loan or lease

In XXXX of XXXX, I originally asked to inquiry about lowering payments and instead they harassed me to bring my car in for appraisal. *Mind you, I have had XXXX leases prior with them and have made EVERY payment ONTIME. * They claimed they needed my car for their pre-owned inventory. I test drove a brand new model of the current lease, instantly fell in love. They then told me I didnt qualify for that one and told me I qualified for a different model and smaller car. I told them I really need the same model I have now and my max payments needed to be {$500.00}. We negotiated and they kept trying to make me pay way over {$500.00}. I finally got fed up and was running late so I signed for $ XXXX. Their reasoning for the extra added to the {$500.00} was free lifetime oil changes. I made the XXXX couple payments and then we got hit with the hurricanes. I tried paying my past due amount with a credit card and they wouldnt accept it. I wasnt even able to make a minimum payment. 
I went to a different dealer and they told me I was - {$9000.00} in equity and that the other dealers were crooks. Everyone in XXXX XXXX XXXX either used to work for XXXX XXXX XXXX and had received bad service complaints from other customers. Ive been reaching out to them with questions and no response. I even believe the car is under recall.
Product: Money transfer, virtual currency, or money service

A buyer filed a fraudulent dispute 3 months after I sold him a XXXX XXXX and Cashapp refunded the buyer his {$950.00} back and took it out of my account without even communicating with me or doing any kind of investigation what so ever.. I contacted cash app customer service immediately when I noticed the refund dispute and cash that told me pretty much to ask the buyer to give me my money back which obviously didn't work and then Cash out told me there's nothing they can do about it. If cash app would have even took the time to see that the dispute is from a transaction from 3 months ago they would have known that it was fraudulent and they wouldn't have refunded my money back. So because of the laziness of cash apps customer service I am out {$950.00} of my rent money and my groceries.
Product: Credit card

Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX has put {$12000.00} dollars in debt on my credit. On XX/XX/XXXX of XXXX I won a court dismissal. The judge stated that as long as I was out by the XXXX and returned the keys the case would be dismissed and I would not owe them any money. I returned the keys on the XXXX and moved out on XX/XX/year>. I have both videos and legal documentation to prove this to be true. Also the amount is incorrect/ falsified the court documents state XXXX dollars owed when I was served the eviction papers.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, We purchased two mattresses from XXXX XXXX and they placed the Financing through American First Finance. Shortly after the Mattresses were delivered we moved my Mom to a home. We contacted XXXX XXXX over 25 times to return the mattress. No one contacted us back. We walked into XXXX XXXX to get assistance. They said that American First Finance had to arrange for the mattress to be returned. This going around in circles went on for two months. Then AFF said they don't take returns, They said XXXX XXXX had to pick up the mattress. We were paying {$70.00} week to AFF. We stopped making payments to get someone to help us. We finally got a Lady to help us. It took from XX/XX/XXXX until the very end of XX/XX/XXXX to get help. It took 30 days for them to find someone to come and get the mattress. They advised we had to donate the mattress and they arranged everything. The Company came and picked up the mattress. We called the day the mattress was picked up. They said they were working with the finance department to see what could be done. In the mean time they put this on my Husbands credit report as a delinquent account after they have financially XXXX us. We paid them {$1200.00} so far and they will settle the account for {$450.00}. The mattress we kept was {$990.00}. I have 100 hours on calls trying to get resolution. This is highway robbery and financial XXXX. 6 months of pure XXXX. The two mattresses were {$1900.00}. We returned one and they are still charging us {$1600.00} for one mattress and 6 months of XXXX plus they damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Product: Credit reporting or other personal consumer reports

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Product: Debt collection

Nordstrom card services is violating 15 usc 1666b by not sending required statements. Claiming they will not follow the law unless some act is done by meet this violates federal and state law. They have created 3 late payments for interest i was never told about. My account was paid in full when I called them the first time. They are harming me and my family reducing my credit standing capacity and character and causing much harm over " {$42.00} '' of interest. They have refused to send statements as required by law and refused to to send my even my card as agreed. I should not have to go anywhere and present anything for them to follow the law.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/, I had a letter of dispute along with a copy of my drivers license, proof of address, and a power of attorney letter mailed. I received a response today XX/XX/XXXX that they will be unable to investigate due to it not appearing to be authorized or sent directly by me. I called and informed them that they are violating my rights in regards to refusing to investing the dispute in the letter because I did authorize and did sent a document along with letter dispute that is power of attorney. They responded stating that they will be unable to investigate but can do it through phone. I told them no I dont want to dispute through phone but through letter as requested. I called again and they stated that they havent received dispute yet and to call back later. I called again and the lady said they will start investigation soon. I asked for confirmation because Im receiving different answers and the lady stated that she is unable to provide that. I would like investigation through letter, refusing to do so is against the law and they are literally violating my rights.
Product: Debt collection

Moved out in XXXX. Received bill in XXXX. Made numerous attempts to contact via email and phone regrading discrepancy Im receiving bill. Filed XXXX  complaint. Spoke with XXXX XXXX at corporate who was supposed to look into having removed and contact me back. She never did. Collection agency is now harassing me and threatening legal action for debt that is not owed.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me considerable distress. It is unjust for me to be held accountable for these inquiries that I did not authorize.
Product: Debt collection

I received a letter in the mail today, XXXX XXXX, XXXX, from a company called UNIFIN. They are saying I owe a company by the name of Washington XXXX XXXX  {$6300.00}. I looked up XXXX  XXXX and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION and XXXX XXXX  XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX, and Federal Trade Commission ).
Product: Checking or savings account

I am being " re-tiered '' by Citibank from Citi priority to not a priority. This means that I have new fees to pay for my existing service. 

When I originally opened my Citibank accounts, my tier was Citigold based on my mortgage being counted in the banking relationship. After I set up numerous accounts to manage my bills, savings accounts and XXXX checking accounts, they unilaterally changed the criteria and no longer will honor the original agreement. I have direct deposits set up with the account, multiple accounts with my XXXX and XXXX on them, not to mention decades of familiarity with their system based making it very difficult to change banks. For example, I need to go to the bank with each of my XXXX XXXX and my XXXX sepearatly to change the acounts. I need to get my wife 's employer to change the direct deposit. It is a major hassle designed to keep me from switching banks and paying new fees. 

Citibank should have to abide by their original agreement.
Product: Mortgage

I applied for a mortgage loan on XXXX through freedom mortgage. They have switched the person I talk to at least 5 times. I was having trouble understanding one person because of my hearing loss and ever since I told them that they have been dragging out the process. Now they want another appraisal because of holes my dog dug in the yard. I filled in the holes as soon as the ground thawed. It has been one thing after another and it's too late for me to get a similar rate through another lender. They told me this process would be finished XXXX then XXXX then XXXX now it is almost XXXX and they are still holding up the process. The mortgage I have is through the same company. I don't know what to do and feel like I am being discriminated against because of my XXXX. I was just trying to lower my payments. I was not trying to get money from the equity in my home. I can send all my correspondence with them and they record all the phone calls.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I completed work for a client. They asked to billed through Paypal. I have not used Paypal billing in the past. 

I am a XXXX XXXX out of Texas. I invoiced the client and they paid the same day. The total was two transactions for {$220.00} each. After Paypal fees the total due to me was {$430.00}. 

Then Paypal did something that has to be stopped, because it is a crime. They placed my funds ALL on hold. Then created a process essentially where I had to beg them permission to receive my funds. After begging they then preceded to tell me : congratulations you will receive your funds on XX/XX/2022. This is after I broke down and actually begged them to please allow me to have my money. 

There is something broken about our system. The CFPB was created to protect us from crimes like this. 

Paypal is illegally holding people 's money, and I guarantee you they are collecting interest on these grouped funds. Who does Paypal think they are? Why do they feel they can just do something like this? 

My client 's funds cleared on XX/XX/2022. Paypal will give me my money on XX/XX/2022. If I would not have begged Paypal for special processing they would have held it indefinitely. 

This is sickening, wrong, and it is illegal. How many people are they doing this to?
Product: Student loan

XX/XX/XXXX a letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. 

XX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a " payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. 

XX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters