23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I sent correspondence to the company on XX/XX/XXXX to revoke ACH transactions and cease communication including any friends, relatives, employers, references, and so forth. Basically ceasing communication period. However I did allow email contact for the purposes of confirmation and setting up a payment plan as I am struggling to pay currently. I received a call on XX/XX/XXXX that they had called one of my references to get my contact information which they already have despite notification of ceasing communication.
Product: Checking or savings account

On XX/XX/2023 I was scammed out of {$170.00} from Wells Fargo Checking but I sent the payment unknowingly being scammed through XXXX. I contacted them immediately trying to get my money back as I was scammed and Wells Fargo is refusing to do so. This is ridiculous as a consumer they wont give my money back knowing I was scammed.
Product: Prepaid card

Rapid Cash had took there payment, Which I was going to have that paid to them in person, because I told them I've had problems before with theft on my Debit cards before to please not take it!? But they hacked my whole pay check of {$910.00} was all Drained before I can get to them, because At XXXX at that time is when XXXX XXXXXXXX are posted, and there is no buses to get anywhere at that time. So they wasn't suppose to take without permission, and no one is to unless they are authorized to! Thanks but no I've recieved a letter from Rapid Cash in the mail before the Holidays that they refunded the amount of {$250.00} back to my account! Huh? No there is not a Balance of XXXX on account! Because I have not seen that money, and there for that account XXXX XXXX Customer service close account concerning this problem so what?! Acc. And there for not seen any money, And for one Why? And for you took take payment that is yours then send me a letter to me,??! That it was put back??! Why? So you comply that It will go to collections agency!!?? Well that wasn't my fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Certified lettershave been sent to TRANSUNION # XXXX and XXXX # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XXXX XXXX, 2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Product: Checking or savings account

On XX/XX/year> I purchased an XXXX XXXX XXXX XXXX in the XXXXXXXX XXXX with the expected delivery day of XX/XX/year>XXXX XXXX XXXX  XXXX and on that day I didn't receive my package. I reach out to the merchant they refused to provide me with a solution and they eventually sent me a photo of confirmation of package delivery but it was not on my porch. I explained that to them and they still refused to provide a solution. I then reached out to my back ( PNC ) and filed a dispute on XX/XX/year> they said it took up to 90 days for the dispute to be resolved. I patiently waited just for them to deny my dispute of XXXX. XXXX XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX and losing {$500.00} like that is absolutely absurd. That was my first dispute with PNC and they were not helpful and within the 90 days they didnt reach out for extra documentation or any questions before they made a final decision and on top of that they closed my account.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that experian unlawfully reported an unauthorized account on my consumer report. I have not given them written permission to put anything on my credit profile you have no permissible purpose by law to contact third parties with my private or personal information. Your offense amount to Aggravated identity theft pursuant to 18 U.S.C 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian several times and provided proof that I do not owe XXXX in student loans. I only owe about XXXX and even with proof they refuse to remove the additional XXXX in erroneous debt. This has caused higher interest rates and a lower credit score. Additionally feel victimized and stressed mentally because of their error they stand by.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Consumer Adjustment Company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Consumer Adjustment Company did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Consumer Adjustment Company has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
Product: Prepaid card

Dear Sir/Madam, Can you please help me resolve my issue for the gift cards I bought from XXXX store on XX/XX/2023. 

I bought 4 gift cards in total and 3 of those cards were fraudulently used in Arizona. 

I tried using the cards in XXXX and XXXX and was getting declined transactions for the next 10 days and all the while calling them why I can not use the cards at all. On XX/XX/XXXX, a hacker used the cards at XXXX XXXX in Arizona and I immediately called them about this. 

Each card I have to call separately as they told me that is how they process these cards that I have issue with. The first card the agent agreed and sent me a replacement card for it. The next succeeding call the agent denies my replacement saying I authorized the transactions. With this the other card they have approved for replacement was also denied back. How can this hasppen as I am in Utah and never set foot in Arizona. 

Another thing that I want to get resolve is that they blocked my phone number when I am calling their customer support and I have to resort using other family members cell phone so I can connect thru and follow up on these. 

I have attached a copy of the receipt ( XXXX ). My utah id, record of the fax transactions dated XX/XX/XXXX Also their letter of denial claim and the copies of the cards I am disputing. 

You can contact me at phone number ( XXXX ) XXXX or XXXX if you need more information to prove that I did not try to scam USBank gift card and with their effort to thwart scammers by denying me to use my card in turn the card was compromised by other people. 

Thank you for your kind understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. 
Please help me correct or remove the following items : 1. XXXX  XXXX XXXX Balance Owed : {$2200.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX XXXX Balance Owed : {$1100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
4. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Debt collection

On XX/XX/2022, I received a phone call from AscensionPoint Recovery, LLC at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his XXXX 's XXXX XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. AscensionPoint called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of Fla. Stat. Ann. 559.52. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!
Product: Checking or savings account

On XX/XX/year> my account was fraudulently accessed and someone changed all my login and personal info. They then requested a new virtual card and used it to steal {$3800.00} from me. Leaving me with {$2.00}. I contacted Credit Karma Money Spend account customer service multiple times over several days before they would even open a case. They froze my account. Then refused to give me any updates and refused to file disputes on the 5 unauthorized transactions. After 2 weeks of going through every channel I possibly could an agent agreed to file the disputes. They refused to provide provisional credits for the money stolen. Said I would have to wait 10 days. Every time I reach out for an update via email, chat and phone they refuse to provide one. Its now been almost 4 weeks and I just gained access back to my account but they still have not refunded the money stolen. In this month, bc that was every dime I had to my name, my power was shut off, my car was repod and I have creditors breathing down my neck bc I havent been able to pay my bills due to all my money being stolen.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENT ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. THANKS
Product: Credit card or prepaid card

I removed a authorized user from my account in XXXX or 2018 I notified Citi bank I no longer want to be financially responsible I would like them removed the agent was nice told me everything was done I paid the XXXX dollars they had run up on the card in full. Without my permission without my knowledge Citi bank issued them a new card 4 months later They run the credit card up to XXXX dollars and citi bank says Im responsible. Now citi bank admits in recorded phone conversations I called and told them in XX/XX/ 2018 I no longer want to be financially responsible and I want this person removed and citi bank admits I never once called them to add another autorized user to my account so how am I able to be held financially responsible?
Product: Debt collection

A debt collector, Portfolio Recovery Associates LLC ( PRA ), has been attempting to collect a debt arising from a debt I allegedly owe XXXX XXXX from about the year XX/XX/XXXX. 

Prior to XX/XX/XXXX, PRA had made numerous phone calls to my home phone. Most calls went to my voicemail ( often no message was left ). 

On XXXX, PRA called me again, this time I answered. After the caller identified himself and the alleged debt he wanted to collect, I informed him that I was NOT willing to make payment on XXXX XXXX 's behalf, and to STOP calling me about this matter. 

On XXXX XXXX, I wrote PRA a letter stating that any further collection attempts would not elicit any payment from me, and directing PRA to stop communicating with me about this matter, regardless of the form of communication. I sent the letter Certified Mail, and verified with the XXXX Postal Service that PRA received the letter on XXXX XXXX. 

On XXXX XXXX, I received via XXXX a communication dated XXXX XXXX from PRA again attempting to collect on behalf of XXXX XXXX. Please note this is AFTER PRA received my letter on XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.
Product: Credit card or prepaid card

Fraud occurred on my account XX/XX/10. I became aware of it that same day when Sofi alerted me and asked if a transaction was made by me and I advised " No. '' Sofi advised they would open a Fraud investigation and it may resolve itself or I'd be contacted within 7 days if additional information was needed from me. 10 days went by and the charges remained on the card and I'd not heard back from Sofi. I contacted them again and was told the investigation was closed but they couldn't determine why. They said they'd reopen the investigation and the process would start over again but they would escalate it so it would be addressed within 1 day. Another 8 days went by and I hadn't heard back so I contacted them for a status update. The agent had no information and Fraud had not yet looked at my account. I'm upset that these charges remain on the card and Sofi has not taken action to investigate. In total I've made 4 calls to Sofi about this issue and received conflicting information each time. Each agent seemed more concerned about getting the call finished instead of resolving the issue.
Product: Credit card or prepaid card

Fraudulent charges were made on my sons Frontier Credit Card in XX/XX/XXXX. I had a card from this account in my name that I gave the front desk for incidentals when I checked in at the XXXX XXXX in New York. I did not realize that I lost my card the day I left New York and that {$450.00} in fraudulent transactions occurred on XX/XX/XXXX, & XXXX in New York. I shared with Barclays my documentation of my return flight and that I checked out of the hotel on XXXX XXXX, XXXX. I left New York and went back home to XXXX XXXX on XXXX XXXX. The only charge I made on XXXX XXXX was at XXXX XXXX before I checked out. I was not notified that any the fraudulent charges were being made on my card in XXXX as they were happening. Since XX/XX/XXXX, I have not charged anything on this card because I dont have it. As soon as I was aware of the fraudulent purchases, I disputed the charges. I spoke with Barclay numerous times and have formally disputed these charges twice and both times Barclay found the charges to be valid because they say " card possession activity was verified via text message, phone or email. '' That is simply not true. Every month my family ALWAYS pays our credit cards in full and we all have good credit ratings. Barclays has erred in their investigation and we need it to be rectified. 
Thank you for your attention to this important manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX XXXX XXXX reported that I was delinquent on my account which dropped my credit score tremendously. I contacted XXXX XXXX multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow Equifax or XXXX to furnish a report for me and I would not like to do business with them anymore.
Product: Money transfer, virtual currency, or money service

PayPal 's account front page is so ridiculously cluttered up with advertisements that it is practically unusable. Years ago, this was a simple, useful page with the necessary account details and nothing else. Now, a small, barely visible account balance line is completely overpowered by numerous tabs offering anything imaginable, except information relevant to the account. Some of these pop up randomly and take over the screen, creating further confusion and the possibility of error.