23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX ( Reason for investigation : Inaccurate information. Please Un-verify & delete this information )
Product: Checking or savings account

On XX/XX/21 went to XXXX in XXXX XXXX and did 2 withdrawals with my Bank of America debit card, at an atm machine. The transactions were for the amount of {$120.00} and {$200.00}. The money never dispensed and I was defrauded. 

Later on the XX/XX/21 I called Bank of America to let them know. The first call I spoke with someone. Outlined the issue. And they disconnected my call, so I was unable to fill a claim, or a complaint about Bank of Americas service. I had to call a second time to Bank of America, and during that call I was informed they could not stop the transactions, because it was outside of their policy. 

During the second call. I informed Bank of America I was on vacation and needed the funds. They again stated it was outside their policy, even after telling them customer service agent, named XXXX, that the XXXX ATM machine defrauded me. 

I need help, as I think Bank Of Americas claims and fraud policy is not treated customers fairly, since my account does not have a lot of money in it. Seems they treat lower income people poorly, and those that are a minority, such as myself. 

Very upset as they really caused me problems on my vacation, even though I was timely in notifying the bank. There should be some policy that accounts for this type of situation, and in which everyone front different income levels are treating the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me begin by stating that I have been a member of Capital One since XXXX and am a satisfied member, however Capital One is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Capital One to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

I only have one credit card with Capital One that was issued in XXXX which I still currently have and am happy with. 

The unauthorized inquiry was performed in XXXX of XXXX. 

In the event Capital One has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Capital One remove this inquiry off my credit files. Otherwise, any verification from Capital One will be deemed hearsay and will be admitting that Capital One is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Product: Consumer Loan

First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. I have never been notified of this collection or that I owed a debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

I demand that you provide me with the following documentation ; 1. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report.

2. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report.

3. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt.

4. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor.

5. Detailed statements outlining the amount owed, including any interest or fees that have been added.

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA.

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices.

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences.

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved
Product: Credit reporting or other personal consumer reports

This is a response to complaint XXXX ( Ive attached your reply ).

If I understand correctly, you removed all fraudulent information on XX/XX/year>. However, as of today ( XX/XX/year> ), XXXX has again declined my dispute to remove this fraudulent account, stating that the bank confirmed it as legitimate.

Could you please ensure that XXXX is contacted and this account is permanently removed? Ive been dealing with this issue for 800 days and every time your response Please wait for 60 days doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card

I made a credit card dispute with chase as that was the credit card I used for the transaction for XXXX on XXXX 
When my trip took place on XX/XX/XXXX, it was a complete disaster. The listing on XXXX advertised one address, but upon arrival, the owner called us to meet at a different location and provided accommodations that did not match the original listing. The owner also insisted we sign a questionable lease, claiming we were subleasing the property. Due to this, I immediately canceled the XXXX XXXX XXXX 

Adding to the distress, I have XXXX children under XXXX XXXX XXXX and had to navigate these sketchy and alarming circumstances with them present. It was an extremely unsettling experience.As well as find somewhere else to stay in a city that I do not live in. 

I made a credit card dispute with chase on XX/XX/XXXX .After several calls and attempts over several months I was told they are investigating and needed time. Then finally on XX/XX/XXXX I was told through a representative that I wasnt getting refund. I then requested a supervisor which I did attain. After reviewing my case and discuss the situation the supervisor said I filled under the wrong description and will need to reprocess. Which I responded why wasnt I told that from the beginning because every personnel before that did not indicate this, they said the case was being process wrong and was told on different occasions I would be issue a credit. 
On XX/XX/XXXX the supervisor reprocess under the correct action as to what they thought would fit my case. 
On XX/XX/XXXX I reach out to chase for an update and was told I would not receive a credit they found no grounds. I review the case as I did not stay at the location through no fault of my own but fraudulent behavior and misrepresentation from XXXX a hotel company. 
Throughout these months XXXX was also contact numerous times and repeatedly denied any culpability and stated they could not reach ownerso it was out of their hands. 

I am urgently requesting a refund, as the service was not fulfilled nor was it held up to conditions that I was agreeing to once I purchase the stay. The transaction should not be compensated, especially since I had to book another hotel that same day. Clearly, I would not have done this if I had been able to stay at the original booking. 

In summary, the XXXX XXXX XXXX, and we never stayed at the property. I hope you can assist in issuing a credit for the service. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation of my PayPal account, which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to state that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe penalty. Therefore, I respectfully request that you re-investigate my case to confirm that this limitation was placed in error. 

Furthermore, I would like to emphasize that my PayPal account is crucial for conducting my personal and professional financial transactions. As such, the permanent limitation of my account has had a significant impact on my daily life and business operations. 

In light of the above, I humbly request that PayPal reconsiders its decision and restores my account to full functionality. I believe that a thorough review of my account activity will show that I have always adhered to PayPal 's policies and guidelines, and that there is no justification for the permanent limitation of my account. 

I would appreciate it if you could provide me with a prompt response to my appeal, as I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my report
Product: Debt collection

the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld
Product: Student loan

For the last XXXX years of college I was ill advised to go with XXXX. I should have known a lending company was willing to allow a college student with several loans already. Every time I needed more money for tuition, books, or even rent for my apartment I was advised that I could get a loan. Then once I graduated I soon realized that I was way over my head in debt. I was paying at least {$600.00} a month after my 6 month deferment payments kicked in. After calling for years about my options of paying less, it was about XXXX to XXXX years later until I finally thought I caught a break with the lower interest program. I signed up over the phone and was told everything would be up in running, with automatic payments. Yet this didnt happen, I ended up finding out that after two months of nothing happening. Trying to work things out several times of calling XXXX but it was during the transition period to Navient. It ended up being almost XXXX months without paying. Which ended up turning even worse because they turned me into the credit bureau. As a result making my credit score drop almost XXXX points. I was advised by an email from a new company called Navient saying that they still needed a payment from me. I then tried to fix things with them and they could not take back and help me. It 's been an awful transition and working them has been terrible.
Product: Debt collection

I have asked all three credit bureaus to verify this alleged debt they claim I owe and that is damaging my credit profile via mail. The bureaus responded with verified I also disputed this account directly with the collector showing the inaccurate reporting that they have given the credit bureaus, and also sent a debt validation letter that they have not responded to. I am well of my consumer rights and they are being violated at this point this collector sent me a letter stating to show them the inaccurate reporting which I replied with a investigation letter pointing out the multiple inaccuracies with a copy of my credit report and highlighted everything inaccurate and ask them to investigate and remove this account from my credit report. They then responded back to me stating that my dispute is a duplicate and to provide them with the inaccurate information again which I sent the first time. This account hasn't been verified after my request and after me reporting out all the inaccuracies in the reporting. The law states all accounts have to be verifiable and 100 % accurate.
Product: Mortgage

We closed on the sale of our home in XXXX TX on XX/XX/XXXX with XXXX XXXX ( phone # ( XXXX ) XXXX-XXXX XXXX XXXX. We were provided a pay-off amount of {$220000.00} by our mortgage company Freedom Mortgage ( phone # XXXX ). XXXX XXXX wired the money requested to Freedom Mortgage on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX received notification from Freedom Mortgage that there was an additional {$2300.00} due as Freedom had never deposited the {$220000.00} check that they had said was due at closing. I am being charged interest through XX/XX/XXXX as well as accrued interest, escrow advanced funds and additional fees. 

I believe that holding this money for almost a month and never contacting me or XXXX XXXX should be illegal as they are basically scamming everyone involved. Freedom had notified XXXX that the check had been deposited despite the fact that it was still sitting on someone's desk.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureau to remove fraudulent information without success. I have submitted all requested documents to establish an identity theft claim. Attached is the documents sent to Equifax to remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account on my credit report for XXXX XXXX. I faxed the letter from the company on XX/XX/XXXX. They claimed they didn't receive it. I faxed it a second time on XX/XX/XXXX. They claim again today to not have received it although both fax reports went through just fine. At this point I'm not sending them any more documentation. They need to remove XXXX for $XXXX because it isn't accurate.
Product: Credit card

I was charged for {$400.00} on XX/XX/XXXX at a corner store down the street from me. This transaction was in addition to a {$23.00} transaction where I purchased goods. The {$400.00} was not authorized by me, nor were any goods purchased for this transaction. The cashier behind the counter who had my card was stating that there was a 'chip reader error ' occurring for the minutes that I was standing at the counter. 

A week or so later I noticed the charge and tried to dispute it, at which point SoFi ( the bank associated with my credit card ) gave me a credit while they worked on my dispute. They also asked that I go to the store owner to discuss the issue, which I did, and he stated that the charge wasn't valid and I should be credited my money back. 

On XX/XX/XXXX, a month or so after filing the dispute, the charge for {$400.00} was reposted to my card balance. I contacted SoFi about this, to which they stated that the merchant sent receipts with chip readers on them. I asked for the receipts, which they provided to me. The receipts did not have my signature on them, nor were they itemized. SoFi stated that this was now a civil matter and they could no longer help me. Then after calling them again they stated that if I provided a signed statement from the store owner stating that I was wrongly charged the {$400.00} that they should be able to credit my account back. I was able to get a signed statement from the store owner stating just that, but SoFi has not credited my credit card balance back the {$400.00}. 

The store owner has signed a document, the receipts do not show any information regarding a purchase, and after countless calls to customer service and the dispute department at SoFi they seem to be unable to help me in the matter. Currently I am waiting on the company to process my dispute as the statement balance is due rather soon and I should not have to pay this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation