23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill that was entirely too much, the boxes was returned back at this point they should have deducted XXXX dollars off of my bill which they did not do. There is no way at this time. the bill should still be XXXX. If the bill was over XXXX dollars they shut the service off so explain to me why the bill is still high although all the boxes were returned.Please notify me A S A P about this matter any further questions please feel free to call XXXX Sighned XXXX XXXX
Product: Credit card or prepaid card

Credit card account has two types of balances in the relevant period - a balance with 0 % promotional APR until XX/XX/XXXX ; and a regular interest-bearing balance for ordinary purchases. Since the making of the balance transfer with 0 % APR on XX/XX/XXXX, I have been making fixed monthly payments of {$700.00} ( plus some in a few instances ) and spending way less than that per month ( up to $ 300 month XXXX, most months under {$100.00} ). Instead of applying the payments to the higher APR purchase balance, the bank appears to have been applying them to the 0 % balance instead. As a result, the interest bearing balance has continued to accumulate up to {$930.00} now. This is despite the fact that until the XXXX statement, not once did I spend more than {$700.00} on this credit card since making the balance transfer ; meaning the interest bearing balance should have been XXXX after every single billing cycle and should be approximately {$100.00} at most right now. Instead, the bank has been charging me on interest on seemingly random amounts of a total " purchase '' balance for at least a year. 

After I called the bank and informed them of this violation of the Credit Card Act in XXXX, the customer service rep agreed to refund all interest charged and fixed the issue. On or about XX/XX/XXXX I noticed another interest charge on my account on XX/XX/XXXX. I attempted to call the bank to resolve the issue on XX/XX/XXXX. I explained that the interest charge in question is contrary to the Credit Card Act, but the customer service rep kept repeating that they " requested the charge be waived but my request was denied. '' I repeated several times that what the bank had done is in violation of the law and is not something that they have the option not to remediate, she said all she could do was make another request ( which she did, and which was also denied according to her ).
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt that is not mine. Despite my clear request for verification of the debt, PRA has refused to provide any evidence or documentation supporting their claim. As a result, I am being wrongfully pursued for a debt that I do not owe. 
I received communication from Portfolio Recovery Associates regarding a debt they claim I owe. 
Upon receiving this communication, I promptly requested verification of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Portfolio Recovery Associates has refused to provide any documentation or verification of the debt in question. 
This debt is not mine, and I have not entered into any agreements or obligations the Portfolio Recovery Associates. 
I request that Portfolio Recovery Associates immediately cease all collection efforts regarding this alleged debt. Additionally, I demand that any negative marks related to this debt be removed from my credit report. 
Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by investigating Portfolio Recovery Associates actions and ensuring they comply with the FDCPA. This debt should be removed from my records, and no further collection efforts should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. 

By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. 

I demand the immediate deletion of the aforementioned charged-off account from my credit report. Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. 

I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. 

Thank you for your prompt attention to this matter. 
Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with PayPal & PayPal Credit over four unique dispute cases & processes. Amid COVID 19, the  companies support and return/refund policies has been nothing short of unfair to consumers.. I would argue the online support with PayPal has been subpar for the industry, it being deceptive as it's 1. Hard to find the tool in order to dispute a charge and the rules, feel very unbalanced. Merchants have 30-60 days to reply, yet consumers have 3 days to comply or it will be denied. ave spent hours on the phone and in communication with PayPal in an attempt to resolve multiple issues. 

XXXX This item has been clearly documented as returned and refunded by the seller. I have spent numerous hours between PayPal and PayPal Credit to resolve. I have since been recharged and refunded several times, yet, still am owed a credit of XXXX. I am filing a claim with the CFPB if this is not resolved by the end of the month, as this is clearly a merchant issue, yet, PayPal operational support is non-existent. This case has been open now for nearly 90 days. 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Full Item not received. In this case, documented on the PayPal resolution center, the SELLER clearly noted they would send the item to complete order, the case closed, the seller has since not fulfilled their obligation, for some reason, the case has been closed and is not able to be reopened. 

I have been declined in each case, after calling, filing all required paperwork and emailing the CEO, as they state 'the merchant has provided documentation the charge is valid '. So somehow, the documentation I am providing from the same merchant is not valid? I feel in each of these cases, PayPal is acting in a deceptive and unfair practice, where the consumer is at risk of unwarranted financial loss. 

I am seeking assistance. This is a basic merchant service which should be complied with by the company. 
-XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I asked LVNV ( a collection co ) to give me the info on how they received my info along with the original contract since they own an acct with my name on it. I sent the letter certified and asked to receive a response in 30 days. I received neither! I asked All three credit bureaus to verify this info and to verify how they got in info and they STILL have not gotten back with me. Its been about 75 days!
Product: Checking or savings account

Around XXXX XXXX I traveled from XXXX to XXXX and in between a store clerk copied my card information and begin making purchases via online using my card information. When I became aware I notified the bank to shut the card down. Once it was done the BB & T begin charging excessive fees and then refused to give me access to the account so I could fix the problem. I even asked if I could drive XXXX  hours away just to handle the problem. They have been unwilling to help with resolving the issue. They are making money by charging me fees by the day!
Product: Checking or savings account

I bank at Mt bank and they left me with nothing due to the fact they lost my debit card in the mail twice and when I talked to my local branch they were nothing but rude. The manager would not come to the phone and when I explained to the woman I wasnt able to get food because I dont drive I have XXXX she said I dont care what you have Im hanging up I have better customers to attend to. It was horrible and this has sent me into a deep XXXX
Product: Debt collection

CREDIT COLL is claiming that I owe them {$96.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, CAPITAL ONE requested and obtained my XXXX consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. I have attached a copy of the subject inquiry.  Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

CAPITAL ONE conduct has violated my privacy and I am very upset by the privacy invasion. I am prepared to sue CAPITAL ONE for statutory and punitive damages, costs, and fees. However, I am open to resolving this matter via a prompt, amicable resolution. Accordingly, I offer to settle my alleged legal claims against CAPITAL ONE for {$1000.00} U.S. To accept, {$1000.00} U.S. must be delivered to my address above by XX/XX/XXXX. Note, settlement of this claim shall carry no implication of liability or culpability. Your failure to accept this amicable demand herein may result in me filing a lawsuit. 

Due to the nature of this allegation, I have copied, and this letter shall also serve as a formal complaint to, the Consumer Financial Protection Bureau ( CFPB ) and the Alabama Office of the  Attorney General Consumer Protection Division.
Product: Money transfer, virtual currency, or money service

I was scammed on cashapp I requested a refund and to talk to customer service but no luck I also sent money to the wrong person but no luck helping me recover anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
XXXX XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Deletion of Inaccurate Information Under Consumer Protection Laws Dear [ Credit Bureau Representative ], I am writing to formally dispute inaccurate information on my credit report and demand its immediate removal in accordance with my rights under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) .

Upon reviewing my credit report, I discovered the following inaccurate items : XXXX. XXXX XXXX XXXX Account XXXX Show 30 Days late when account was closed by me in XXXX and never late in XXXX. Its still showing open and Late XXXX. XXXX XXXX Account XXXX The account is not mine and it was opened Fraudulently. 



These items are erroneous and unverifiable, and I am exercising my rights under federal law to request their immediate deletion. 

Under 15 U.S.C. 1666b, inaccurate billing information must be corrected promptly.

Under 15 U.S.C. 1681a, the credit bureaus are required to ensure that all reported information is accurate and must remove unverifiable data.

Under 15 U.S.C. 6802, my financial information can not be shared without my explicit consent, and I revoke any previous authorization related to the dissemination of inaccurate data.

I demand that you investigate these inaccuracies and provide written confirmation of their deletion immediately, as required by law. If these errors are not corrected, I will have no choice but to escalate my complaint to Federal Trade Commission ( FTC ), and take legal action if necessary. 

Please send me an updated copy of my credit report reflecting these corrections. Please delete any and all inquiries not tied to my accounts. 

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

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 



Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A Sates I have the right to privacy 15 U.S.C 1681 section 2 it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017
Product: Checking or savings account

Good afternoon, I am not sure if this is a complaint -- however, I can't seem to resolve it with either bank/credit union. I was seeking information on a possible duplicate deposit of a check that I had deposited XX/XX/XXXX ( dated XX/XX/XXXX ). The deposit was rejected this week by Navy Federal Credit Union. When I contacted Navy Federal, I was advised that Federal Reserve indicated that XXXX XXXX said this check was deposited into a XXXX XXXX account XX/XX/XXXX. I don't have a XXXX  account and I did not show an amount matching this amount deposited into my accounts. I was told to contact XXXX XXXX and find out more information on the history of this check since it was their instrument. When I called XXXX XXXX I wasn't able to get any information and referred back to Navy Federal. I wasn't ever connected with a XXXX XXXX supervisor and I was placed on hold for a long while. I want more information on the check to confirm it is not fraud and that I did in fact deposit or cash this check.
Product: Credit card

Approximately XXXX weeks ago, I received an email appearing to be from capital one credit. It claimed my card was attempted to be used for a purchase of sewing materials from a XXXX company. Capitol One blocked the transaction. 

As advised by the email, I called Capital One. A man was extremely uncooperative and refused to act accordingly with my verbal message. He was insensitive to my traveling activity. He unilaterally cancelled/froze my account. However, he refused to send me a new card, allow for a virtual card, and blocked my ability to link my new account to a digital wallet. 

My home address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX never received a new XXXX XXXX XXXX 's Capital One credit car. Damages are significant to my health and well building.
Product: Debt collection

I called the collection agency Prince Parker associates located in NC regarding my bill of {$900.00} from XXXX XXXX XXXX XXXX XXXX. I tried to come to a compromise with them on how to address the debt and that I can afford to pay $ XXXX monthly until it 's paid off. The collection agency refused and insisted on collecting $ XXXX monthly. They said that the account will be reported and wo n't work with what I can afford. I told them that I no longer have a full time job and that I would like this account to be resolved before it gets reported to credit bureaus. The lady refused to work with what I can afford.
Product: Credit card or prepaid card

Despite having my updated address ( I completed this online in 2020 ), Chase sent the attached notice to an address they knew or reasonably should have known where I would not receive it, particularly by the limited time to respond. So, over {$400.00} was sent to XXXX, which I now have to spend weeks, unpaid for my time, trying to track down and complete various forms to get money back. They also could have just credited my account. They did not. Staff confirmed they have two databases that don't talk to one another, so they did not look for my correct address in sending out the notice. I'm sure they would send overdue statements to the correct address, so why not a notice informing me that I was owed over {$400.00} from Chase?!! Their notice mailed in XXXX went all the way to the XXXX  address in XXXX and then ended up in XXXX  XX/XX/XXXX.
Product: Vehicle loan or lease

I do not know how they sold an 18 wheeler for {$5000.00} and resold the semi-truck at a higher value ; this truck has been nothing but a problem due to the truck being flooded and had electrical issues. I had requested a settlement payment to resolve the truck issues but was denied, and we worked out a deal in exchange for the location of the semi-truck. 

I had advised the company to do a volunteer repossession 2 years ago, and they are still reporting inaccurate information on the credit report and requesting a full loan balance. 

I want Freedom Truck Finance to stop reporting 120 days late on a repossession vehicle in which the debt had been settled and stop sending payment requests in which this was a volunteer agreement.
Product: Credit card or prepaid card

I have had several XXXXapital One credit cards, and have paid them off. I have submitted several applications and every one of them come back stating that they will not open an account for me since my previous credit card was closed with a bad history. My Capital one credit card had never been late before I got in a car accident and had to file for bankruptcy due to all of the medical bills.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened?

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

D

ue to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. Inquiry Details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX