23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Equifax several times reguarding a collection account on my Credit by the name of XXXX XXXX. I have disputed multiple times saying this account was not mine. I even asked how they verified the account? And asked for proof this account was mine. I have been dealing with this situation since XX/XX/2017. I have spoke to supervisors and other reps the outcome was always no help/ verified. I have sent in police reports I have faxed in FTC report. What else can be done? I am very disappointed with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX  directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX  T o  : Consumer Financial Protection Board From :    XXXX   XXXX   XXXX   CC : PayPal/ XXXX , California Attorney Generals  Office Re : FA ILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with  PayPal. I have made purchases though  XXXX , and PayPal is refusing to pay the sellers for items I have won via auctions when they hav e deducted the monies from my bank account.  <P/>  PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my  drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since   XX/XX/XXXX ,  the items are being sent to my home address and I have called them from my cell phone, the phone number they have on record since   XX/XX/XXXX  a nd they have my social security number which all makes my account verifiable.  <P/>  PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding hostage my financial information and I want it deleted from their databases. PayPal has  been accused of having ties with  XXXX  and have been hacked  XXXX  only knows how many times. So, why on  XXXX  green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable!  <P/> Due to  PayPals neglig ence I am now being harmed and have incurred damages. Sellers are filing complaints with  XXXX  and writing negative comments about me for the public to see.   PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over.  XXXX  will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with   XXXX   and that is being threatened by PayPals actions and inactions.
<P/>
I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as    necessary. I have read numerous complaints about the same thing and this is unacceptable.  <P/><P/> Thank you,   XXXX   XXXX   XXXX   XXXX  Enclosures : Bank Statements and  PayPal Account In fo
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX [ Date ] [ Navy Federal Address ] [ City, State, Zip Code ] Subject : Complaint Regarding Excessive and Unjust Late Fees Dear [ Navy Federal Customer Service/Account Manager ( if known ) ], This letter constitutes a formal complaint regarding excessive and unjust late fees assessed to my Navy Federal account [ Account Number, if known ]. 

I have consistently encountered difficulties with timely payments due to [ briefly explain reason, e.g., unexpected financial hardships, issues with online banking, inconsistent payment dates ]. Despite making every effort to fulfill my financial obligations, I have been subjected to a series of excessive late fees that I believe are unwarranted and unfairly impact my account balance. 

[ Optional : Include specific examples. For instance : " On [ Date ], a late fee of [ Amount ] was assessed despite my payment being received on [ Date ]. '' " I contacted customer service on [ Date ] to dispute a late fee, but my concerns were dismissed. '' ] These excessive fees have significantly impacted my ability to reduce my outstanding balance. I estimate that I have been unfairly charged approximately XXXX XXXX dollars in late fees. 

I request that Navy Federal : Conduct a thorough review of all late fees assessed to my account within the past [ timeframe, e.g., two years ]. 
Credit my account with the amount of all unjustified late fees. 
Review and revise your late fee policies to ensure they are fair and equitable for all members. 
I expect a prompt and comprehensive response to this complaint within [ timeframe, e.g., 10 business days ]. I look forward to a resolution that addresses these concerns and restores fairness to my account. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had debt to pay {$31000.00} on, or about XX/XX/2014 in school full time and this debt hanging over my head made it excruciating difficult, if not impossible to continue with my grades, payments, trips, to & from school. This had a snowball effect. I had contacted CareOne Credit debit recovery service in seeking my virtue outcome. Meanwhile, the CareOne claimed it was going out of business or had sold it to XXXX XXXX XXXX XXXX XXXX. I had, later, noticed their website business was still active, up and running on the internet at their disposal sold my account to XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX ). Today I had called following an account by XXXX XXXX XXXX  By XXXX Corporate office the services provided agent I spoke to Mr XXXX XXXX about this account whom, told me it was a fraudulent because XXXX XXXX is not the agency who last had the account. It was CareOne. Accordingly, I was told those records are not found, don't have access to them. Although I was apprehensive when learning they were exchanging hands. I was cautious but because we had the power of attorney to handle the account ( s ) I really felt safe. As you can see that is not the case. They made a suggestion to contact the three Credit Bureau to see if they can trace the check that was paid out to the account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my XXXX  report from a company that I have no affiliation with. I have never started any products or services with US Bank nor have I ever tried to. But it seems they have pulled my credit on two different occasions. The first inquiry was XX/XX/2019 and the second was XX/XX/2019.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame.

4. I also spoke to Transunion, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.
Product: Checking or savings account

XX/XX/2019 I opened a dispute with cash app company for 3 transactions, {$49.00}, {$110.00}, {$61.00} I received a response from cash app company asking for more information and if I contacted the merchant to request a refund, I responded XX/XX/2019. I was issued a refund of {$49.00}, 2 transactions have not been received. I have been emailing cash app every day or other day asking about my 2 transactions, I received a email XX/XX/2019 asking me to submit the exact same information already submitted over 30 days ago. This is unacceptable I want my money immediately.
Product: Checking or savings account

On XX/XX/XXXX, I activated an offer for my Marcus Savings Account to receive a {$100.00} bonus after depositing {$10000.00}. I made the deposit and was cleared for the funds. A CD then matured a few days later and the funds were moved to into my savings account. I transferred some funds to an external account and took {$15.00} too much so I only had {$9900.00} left from my initial deposit. Realizing that the offer would be inactivated I called immediately on XXXX and they tried to put a stop to the transfer, but said it was too late even though it was mere minutes later. I then continued to transfer more money out of the account since I saw the offer was no longer active. 

After talking to customer service again I realized that the offer was running until XX/XX/XXXX so I could still qualify. I reactivated the offer on XX/XX/XXXX and attached is the email confirmation. I checked my account and it showed my offer was active so on XX/XX/XXXX I deposited the {$10000.00} to clear the threshold again. I checked my account on the XXXX and realized the offer was gone. I then called customer service and was assured that as long as I had the confirmation email I was fine and they saw the {$10000.00} threshold was met. They told me someone on the promotions team would reach out in 1-2 days.

I then did not hear back from anyone for the next 10 days and placed 7 calls to customer service on Friday XX/XX/XXXX. I finally got someone on the promotions to give me a call back, but it was an inopportune time and all I learned was that they voided my offer because of previous transfers. There is no mention of previous transfers in the conditions of the offer and I raised my balance by over {$10000.00} with new funds post activation. Since activating the offer I have not issued any withdrawals as well. Upon calling back customer service two more times I had a 35 minute conversation with a considerate associate named XXXX who told me that they are unlikely to honor the offer.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Product: Credit card

Around  XXXX   XXXX ,    2016 I co ntac ted Capital One about the annual member fee on my Master Card. I  was informed that new accounts no longer had that fee and that my account has been adjusted to no longer have that fee . Capital One e ven went as far as refunding me the fee they had previously charged me.   Despite t his Capital One ch arged me another fee on  X/XX/2016   . I have contacted them numerous times but they have refused to do anything about it. The best solution they have offered is telling me to apply for another credit card.   I wa nt Capital One to do  as they promised and remove the fee from my account and make sure they do not keep charging it every year.
Product: Vehicle loan or lease

Santander Customers Car loan on XX/XX/24 for my vehicle. The customer service inform me that in order to obtain the vehicle back in possession, I would have to give them {$2000.00} +. I informed them I don't have the money and she told me I would have to make an appointment with the repo to retrieve my personal belongings. I went to the repo on Wednesday morning at XXXXXXXX XXXX and all my belongings was taken out of the vehicle and car plate, was in a bin.
Product: Credit reporting

Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX.
Product: Credit card

I have a chase and XXXX XXXX card on my credit report that I have no knowledge of and it is not mine.
Product: Credit card or prepaid card

made a deposit to my account XX/XX/2017 {$36.00} it still has not been posted to my paypal account Please see supporting documents
Product: Credit reporting or other personal consumer reports

I was advised by XXXX to contact KIA Finance America ( phone : XXXX and XXXX ) which were reporting hard inquiries on XX/XX/XXXX and affecting my credit score. I proceeded to call and try connecting with KIA Finance America at XXXXXXXX XXXX on XX/XX/XXXX and no one answered and went straight to a full voicemail box. I dialed once more at XXXXXXXX XXXX  and no answer. According to the voicemail it mentions a person by the name of XXXX XXXX and company name XXXX XXXX which Im unaware of who they are. On XX/XX/XXXX I tried calling again to the number provided by XXXX and this time there were two phone numbers. I called the first one again and no difference at XXXX XXXX and again at XXXXXXXX XXXX, then I dialed XXXX and the calls kept dropping at XXXXXXXX XXXX XXXX advised me to file a report through FTC.gov and then directed me to cfpb
Product: Debt collection

The debt collector sued me in local court and obtained a judgement lien which has been placed on my home. This home is the only property I own. A notice was given to me informing me of the suit being initiated against me. Within my state of SC, the statute of limitation for filing a judgement on a non-federal student loan is 3 years. My understanding was that the court would not grant the lien because the statute of limitation had expired so I did not respond. However, the local court did grant the lien. I later found that I had to present my case regarding statute of limitation in court. My question is, Is it legal for a debt collector to seek a judgement claim even though the statute of limitation for doing so expired? 

Does this fall in the category of unfair or abusive debt collection practice?
Product: Mortgage

I had 4 hard credit inquires in 4 months for the same refinance Some of these we less than 30 days apart for only 1 refinance XXXX. The company is XXXX XXXX   FOR ONLY 1 REFINANCE!! XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX 1 max for 1 loan is OK but I didn't agree to any. I wand these excessive remove from my credit reports..it 's killing my XXXX SCORE!
Product: Debt collection

I have a company called Consumer Adj showing I owe them {$340.00} on my credit report and I have never done any business with this company. 

They are showing Balance : {$340.00} Original Balance of : {$250.00} Acct # XXXX Date opened : XXXX XXXX contact info : CONSUMER ADJ CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX Phone # : ( XXXX ) XXXX
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from XXXX XXXX XXXX. The funny thing i that they are collecting for Sleepy 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
Product: Debt collection

They are using an auto dialer to call at least XXXX to XXXX times a day!