23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

" My card was closed by Capital One in XX/XX/ 2024, and I have {$1700.00} in my cash back account. However, the XXXX are claiming that they are not required to give me my rewards because they closed the card, not me. But the website https : XXXX does not specify that if bank closes the card they don't have to send my rewards. '' There are XXXX cards XXXX ending XXXX and the other ending XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : XXXX. XXXX XXXX account information XXXX XXXX XXXX XXXX  account information XXXX. XXXX XXXX XXXX account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX  XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  XXXX   XXXX   XXXX .
Product: Credit card or prepaid card

On XX/XX/XXXX I called Chase to dispute a transaction of {$12000.00} with a company called XXXX XXXX XXXX. On XX/XX/XXXX, I purchased a license but due to false expectations, and not getting the service of {$12000.00}, I disputed traction with Chase. I spilt the payment into two chase credit cards chase freedom and chase slate. On my chase slate, I was granted the {$6000.00} in my favor, and on My Chase freedom I was not I called back and In XX/XX/XXXX chase had me submit the documentation again because according to them they had not rec 'd documents they denied again because documents were not sent in XXXX and I did but they didn't rec 'd it than on XX/XX/XXXX, I sent documents again for an appeal but they sent out another letter on XX/XX/XXXX, denied. I called again and they said it always be the same outcome because they did not rec 'd the documents in XXXX. It makes no sense that from which credit card I was granted and for the other I was not for both credit cards are the same documents and the same purchase on the same date. It not fair they tell you there is an appeal and there is not one is because the client wants to appeal and regardless it will be the same outcome. it make no sense so there is not appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.
Product: Credit reporting or other personal consumer reports

Store card was closed and paid off in settlement XX/XX/XXXX but are now flagging my credit report as open closed with XXXX dollar payments which is negatively effecting ny credit score. Because or this my credit score has went down XXXX points since XX/XX/XXXX. This card has long been closed and paid off and settled XX/XX/XXXX. They need to STOP DROPPING MY SCORE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.
Product: Credit card or prepaid card

When I moved to XXXX XXXX in XX/XX/2021, I obtained a XXXX XXXX XXXX in XXXX. On XXXX I purchased furniture using my card. Note the receipt attached. When I made this purchase, they found another email account that was remarkably similar to my email address. They had mistakenly accredited that address to me. They fixed the mistake, and I bought the furniture. Ever since that day I have not been able to use my credit card at the store. I inquired and they said my account had been closed because of the old account they found with the similar email address. I informed them that I have an account in good standing and over XXXX in available credit. They are now saying that my account was closed because I have not used the account in over a year. However, I have my receipt showing that I purchased furniture from the store on XXXX. This situation is having a negative effect on my credit score in terms of available credit and debt to income ratio as well as the fact that I have a closed account. I have paid my bill and intend to pay this bill off soon. However, I do not want any negative credit that I don't deserve. Please help.
Product: Payday loan, title loan, or personal loan

In XXXX, I opened a joint line of credit with XXXX XXXX XXXX XXXX, attached to my joint checking account with my wife, at the time. I divorced in XXXX ; I provided XXXX XXXX my divorce decree which stated I was responsible for paying the remaining balance of the joint line of credit. XXXX XXXX required me to open a new account ( as an individual account ) but would not allow for me to refinance the debt in my name only. Instead, they locked the line of credit, requiring pay down of the debt and reassured me no additional funds could be drawn against the line. I continued to make regular payments in order to satisfy the debt. 
In XXXX, Flagstar Bank acquired XXXX XXXX. The original line of credit came over from XXXX XXXX as a Locked line of credit ; pay down only along with my checking account. This fact has been verified several times by employees of Flagstar Bank. 

In early XXXX, without my authorization, consent or knowledge Flagstar Bank re-opened the line of credit. In re-opening the line of credit, they allowed my now ex-wife to make withdraws in excess of {$5000.00}. Flagstar confirmed the withdrawals were initiated online and transferred to an account she had direct access to. Flagstar Bank was complicit in the fraud, they allowed for her to change the mailing and billing address, making me completely unaware of what was taking place. I was notified by Flagstars collection department regarding the minimum payments that I was making were less than the requirement from the billing cycle. I immediately called banking representatives and spent countless hours on the phone and in the branch trying to rectify the situation. I paid Flagstar bank the remaining portion of the original amount I owed ( what was transferred over from XXXX XXXX ) approximately {$1200.00}. And further explained collection efforts should not involve me as the liability is on the lender due to their negligent handling of the loan. 

Flagstar has been less than helpful and is claiming I owe the full balance which is outside of my original loan agreement with XXXX XXXX. They also have damaged my credit and continue to pull credit bureaus in attempt to collect a debt that is fraud. These institutions have failed me
Product: Student loan

I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..
Product: Credit card or prepaid card

I have had a Visa credit card account with Simmons Bank for many years. I had a small refund check of about {$7.00} that I couldn't cash because it was payable to both me and my ex-husband. We were divorced in 2010. When I mentioned to their customer service that I was divorced they said that I would need to complete some paperwork and remove my former spouse from the account. She stated that this is required if you are divorced. They closed my account and declined a charge on XXXX for {$21.00}. This account is paid as agreed and currently has a zero balance. 
The Information Sheet for Bank Card that they sent to me is a credit application. I am required to reapply for this account and leaving the account as a joint account was not available as an option. 

This is a violation of the Equal Credit Opportunity Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

Wells fargo charges my bank account for fees without authorizing it through me first. I received fees in my savings account for completing too many transfers in one month. Fine, but I believe I should receive warning that the fee will hit my account so that I can make sure that the money will be there rather than them doing it without notifying me so that I am hit with that fee plus another overdraft fee because there is no money in the account. I called they would not refund me the XXXX dollars and I explained to them had I known I hit the limit of transfers per month, I would have gone to the branch store and done the transaction. Also, I received a fee in my checking account relating to a closed credit card. Because I could not make the payment on time wells fargo took money out of my checking account, and my checking account could not cover the transaction, so I was dinged with another XXXX dollar overdraft fee. I believe I should be notified, I have never seen a fee like this for a closed credit card account and if they are going to do that I would like notice so that I can make sure the money is in there or pay them by other means. Also, multiple time I have taken money out knowing that I was going to pay a fee of XXXX dollars for an overdraft protection. Multiple times I check my account everything has been posted so I agree to taking out XXXX dollars for a XXXX dollar fee. But what happens a couple of days later I check my account and transactions that were posted before the XXXX dollar withdrawl are somehow showing up after the withdrawl and I am dinged with more than one overdraft fee. I have been a wells fargo costumer for 3 years, my parents have been a customer for many and have multiple lines of credit out with them for a mortgage, renovation loan etc. Please help I am being charged thousands that I do not have and banks and insurance companies are aware of my credit but if I keep getting dinged I do n't know how I am going to ever save or have decent credit.
Product: Money transfer, virtual currency, or money service

purchased item on the Internet ... paid via PayPa ... l item delivered damaged ... 
seller would not refund or exchange ... 
opened PayPay dispute ... 
seller wrote to say if I cancelled the PP dispute they would send replacement ... 
cancelled dispute ... never hear again from seller ... 

NOW PayPal says that cancelling disputes absolves ; them from further responsibility and they will do nothing more to assist me ... 

This is fraud as seller promised goods in exchange for good faith action from buyer ... 

PayPal should recognize this loophole in their dispute process -- -should have disclaimers at minimum or should have some process that helps consumers who are now XXXX  by both the seller and the money transfer agent .... 

here is transaction information : Payment sent to XXXX XXXX XXXX XX/XX/2019 at XXXX XXXX  PDT Transaction ID : XXXX XXXX XXXX XXXX The receiver of this payment is Non-US - Verified XXXX XXXX XXXX XXXX XXXX XXXX Thank you for looking into this. XXXX
Product: Credit card

DEBT WAS SOLD AND COLLECTION agency SETTLED DEBT AND NOW MACY 'S NOT REMOVING DEBT AND STATING THEY HAVE NO INTEREST IN ACCOUNT, BUT STILL NOT REMOVING AND OR NOT TALKING TO ME. DEBT ALSO WAS LIST AS IDENTITY THIEFT
Product: Checking or savings account

I recently started my company, this company is an XXXX, I opened a business account where my clients paid me via XXXX, but for some reason the transfers appeared under review, I called the bank 3 times to ask why and they always told me that everything was in order. 
Today, XX/XX/XXXX, I received an email telling me that my bank has decided to terminate the relationship between client and bank, and has closed and canceled all the cards and accounts I had with them, they did not give me the money, they told me that they could no longer solve the problem since I had lost access to all the money because my accounts were closed, then they told me that they would give me a cashier 's check, and at the cashier 's desk they told me that it was no longer possible because the bank had pending charges, right now I have to pay the rent, my car, and also XXXX XXXX XXXX XXXX XXXX it was the only account and now I am without money, and it turns out that no one at the bank can solve my problem, neither by phone nor in person, they do not solve it for me and they do not return my money either. In their emails they say they will give me my money back, but at the branch they told me it wasn't possible.
Product: Debt collection

SYNCB/WAL-MART is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with SYNCB/WAL-MART. I have never received any correspondence from SYNCB/WAL-MART stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with SYNCB/WAL-MART for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that SYNCB/WAL-MART owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. SYNCB/WAL-MART refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. SYNCB/WAL-MART is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure SYNCB/WAL-MART understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. SYNCB/WAL-MART even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in SYNCB/WAL-MART 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
Product: Checking or savings account

I have a systematic transfer of funds from my business checking account to my personal checking account. Both accounts are with the same financial institution. The transfer is set up on the 1st of the month. The same day I have my mortgage payment set on automatic payment. My mortgage is also set with the same financial institution. In XXXX XXXX- they processed the debit early in the morning and the credit after XXXX at night and therefore there were insufficient funds to make the mortgage payment.
Product: Money transfer, virtual currency, or money service

I have funds put on hold in my PayPal account for almost a month. I've called their customer support and messaged them ( see the screen shots ) multiple times to release the funds. They mention that its an internal issue, but without any updates or explanation of when the funds will be released. 

The funds will be put on hold for almost a month now without any information or updates on when the funds will be released or when this issue will be addressed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor : XXXX  Date of Late Payment XXXX XXXX XXXX  Account XXXX Creditor : XXXX XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

Conduct an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.
Product: Debt collection

A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!
Product: Credit reporting or other personal consumer reports

I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.