23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 a deposit of {$800.00} should have hit my account mid day it was not in so I reached out to lender to find out it went into a incorrect account same as my account but 1 extra digit. We reached out to bank they confirmed it was not in my account but in the other account it was. They said we would have to wait to reroute the deposit to my account until it came back to them. So in the mean time I took another loan out in the amount of $ XXXX with a different lender, somehow that loan went into that incorrect account again. At this point lenders and I reached out to the bank and they instructed us on what to do I made the bank aware that I have automatic transaction that will be coming out and if the funds would be available they said that they would pay them not to worry I asked about NFS fee 's they said they would take care of them once my account went back into the positive. These deposits should have hit my account by Friday XX/XX/XXXX but have not and I have got 12 {$34.00} NFS fees that they say they can not return to me. Since monies were not released and they asked us to send a letters of indemnity for each lender. So in the mean time again I took another loan out from a different lender for {$1000.00} to get my account back in good standing ( this time is all went good and it in my account ). So I reached out o them to get the NSF fees back and they are denying to refund me. At this point the lenders and myself have reached out to the bank several time and spoke to different reps and have not received any type of correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted crefit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX I called TD Bank regarding my XXXX XXXX XXXX of credit, which is {$2200.00}. I also sent them a message within my account stating I tried to use some fo the available balance but that it was reflecting as XXXX. The account itself still says the available and unused balance. The next day I got notifications from all three major credit bureaus that the bill was reported closed. TD Bank never communicated any formal information as to why. I called in again and was told that that was not the case and that the balance and account were open. However, I messaged them again on XX/XX/XXXX, asking why my account balance was XXXX, yet it showed active. I was told to call in again. I disputed the closed account as it was in good standing and had no issues. Nothing was changed, and the performance remained listed as open to me but closed to the bureaus. I called TD Bank again today, XX/XX/XXXX, and was told it was due to inactivity as to why it had been completed. I asked why no communication was given to me ever as the consumer on the application and account, ; instead, they informed the credit bureaus. I was told three times, " I'm so sorry. Is there anything else I can do for you? ". They proceeded to tell me that I would have to apply again and not use the same email address because XXXX would reject my application from an account they reported charged off. The bill was never charged off or owed a balance. I do not understand how this was done legally and then punished for trying to use the account and having it closed right after I tried to use some of the available credit.
Product: Vehicle loan or lease

I have my car loan through Westlake Financial, Any time you are even a minute late on your payment ; even if you call them, explain why youre late, tell them when to expect youll make your account current - even after you ask them to limit the calls .... they call non-stop. Anywhere from 6 to as much as 10 times for the day. Equal calls one behind the other to my home and cell phone. Even to my old job where I have not worked for almost 2 years! Most of the time when I pick up its in the middle of a recording or it rings and hangs up. When I do get a person, its a few moments after asking hello multiple times as if it auto dialed me. This company, has also repossessed my car in the past. I was only 2 weeks late, I spoke with them about it, my monthly payment is {$410.00} but at the time I only owed a remainder of {$120.00}. It cost me {$700.00} plus another fee they put on the back end of my loan, to get my car back. Because we paid quickly, they assured us it would not appear on my credit score and it did. I was tanked by -100 points! Devastating! This company has ruined my life. Subprime loans should be illegal. I have begged to have my monthly amount lowered due to extreme hardship, I have done everything in my power and they have just repossessed my vehicle again. My payoff quote far exceeds what my contract is for ... its an extra {$7000.00} dollars on top of what the car is worth and even then, it wasnt worth what I agreed to. ( {$18000.00} ) The agents are nice until you are behind. Ive had a girl badger me and continue to interrupt me asking why didnt you just pay your car note?! Repeatedly!
Product: Student loan

I was able to lower my monthly payments based on my income. They payments have more than tripled without notice and I am struggling to pay the loan. Additionally, I was charged late fees that do not bear a relationship to the actual costs incurred by XXXX or Navient in processing the missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a new credit card alert on my XXXX XXXX  account, as I looked into this further, it is a credit card from a company called Destiny. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount of alleged debt : {$3500.00} Provider of Service : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX,, Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX appearing on my credit reports. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting to all credit bureaus until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent via cfpb, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Product: Money transfer, virtual currency, or money service

I made a purchase on The XXXX XXXX 's website and opted to use the payment method via PayPal. At the time of purchase via the PayPal option, I was asked to select which card I would like to use ; that is linked to PayPal for this purchase. The card I choose was not the card PayPal used to render my purchase. I was informed that the card I choose was not accept ; however, it was linked, confirmed and verified. And I was informed that I need to setup a specific card with any merchant to the card I would prefer to use when using PayPal ; which I stated, " if that is the case, why when I purchase from a specific merchant and paying via the PayPal option why am I given an option to select which payment method I would like to pay if I have to setup a specific card to a specific merchant? '' Furthermore I was told if a card is not accepted at the time of purchase PayPal automatically select another payment method. I asked where did I consent to this and why would this be the case if my card I choose was linked, confirmed and verified. The Supervisor pointed me to this legal jargon on the PayPal website, " If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable ( for example, because it is expired or has insufficient funds ) you authorize PayPal to charge the backup payment method in the following order, if applicable : 1. Balance Account ( if one is linked to your personal account ) or balance in your business account ( if weve been able to verify the required identifying information you provide to us ) ; 2. Bank account ; 3. PayPal co-branded debit card ; 4. PayPal co-branded credit card ; 5. Debit card ; 6. Credit card ; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. To help minimize disruptions in your automatic payments, we may update your payment method information associated with such automatic payments ; see Link or Unlink a Payment Method. '' My payment method is well was available as I just deleted this information from PayPal. I will never use this merchant for purchase ever again. I have a recording as well as emails to confirm all dialogue and processes that occurred. 
Thank you for your time and expertise ; as I am sure this can affect has affected many of the financially unfortunate especially during these economic times. The purchase amount was {$1800.00} ( washer/dryer ) which I cancelled with The XXXX XXXX ; however, the funds were deducted ; pending/ on hold, from my bank account. I have to wait until the cancellation process fully processes and PayPal is made aware of the cancellation from The XXXX XXXX.
Product: Debt collection

I was making payments to a creditor on a consumer loan and I was having some financial hardships. I received a summons that I didnt understand.I had no court date on the summons so I contacted the creditor. There is nothing in writing, but over the phone XXXX XXXX led me to believe that I was safe from legal actions and I could resume payment over the phone and monthly payments were approved to be debited from my account as one time payments. Therefore, each month XXXX XXXX XXXX would call my cell phone and I would authorize a one time payment in the amount of {$65.00} and {$100.00} and {$110.00} and {$76.00} I have proof of all payments on statements from XXXX XXXX. I have receipts stating our conversation dates that took place for the authorization of these transactions.The creditor never informed me that it was actually in collections in any of those phone communications or in writing before it occurred. The XXXX was willing to initiate the calls for payment until XXXX of 2021 at that point the communication stopped on their end and I figured it was due to COVID 19 Pandemic. I paid one more payment that was withdrawn in XXXX 2021. In The last week of XX/XX/2021 I received a letter stating that I had a judgement placed against me on XX/XX/2021 for wage garnishment.I tried to look this up on XXXX and it kept showing no matches found. The summons never gave a court date and if there was actually a court date it was not disclosed. The amounts dont match on the two separate documents and I tried to contact both parties and both parties were rude and disrespectful and not willing to agree to any arrangement of partial payments. XXXX told me the whole amount was all they would accept. I feel like they have been deceptive and are hiding a mistake on their part with rude, disrespectful behavior, thinking this will distract me from their deception. I have documentation from them and proof of payments with my bank. Why would the creditor close my account and write it off for bad debt, profit loss before the debt amount and term of XXXX XXXX months had been satisfied? I payed after the account was charged off without any knowledge. The creditor never informed me of the account collection attorney.I was mislead and payments were authorized until XXXX of 2021. At that time communication was ceased on XXXX XXXX XXXX end.
Product: Bank account or service

This is about Wells Fargo, and investment accounts being emptied on bad transactions that were paid at the transaction level to the investment people at the XXXX branch at the corner XXXX and XXXX in XXXX california. These transactions had a fee attached to them whether or not it was a sound transaction or not. My wife and I lost our life savings due to this blatant, and premeditated unscrupulous action by this bank. We lost approximately {$280000.00} in 16 months of Wells Fargo 's blatant " Theft in the daylight ''. 
This all took place around XX/XX/XXXX-XX/XX/XXXX. A the time, the XXXX. of that branch was XXXX, and he was in control of our money. I am submitting this complaint because I have evolved in my knowledge base, and Wells Fargo is currently under investigation on California for numerous counts of unscrupulous banking methods. The bottom line is, they stole my money in what was at the time, their mode of operation, and policy to disenfranchise their customers of their funds. I know you will keep my personal information from the public, but I am entering my contact information. 

Regards XXXX and XXXX XXXX, # XXXX XXXX, Ca. XXXX. 
( XXXX
Product: Debt collection

I got a Payday Loan from Check Into Cash back in 2007. I thought we paid it off. I have gotten several phone calls from " XXXX XXXX " a few days in a row now. His phone # is XXXX. He claims to be contracted by the federal Government to prosecute check fraud. He swears, He yells, He says I'm going to have you arrested today, I'll ruin your credit, I'll get you fired, I'll take your tax return if you don't pay me {$870.00} by XXXX  or XXXX  right now. He called my Mother in law, my step mother, my brother in law, my wife & made the same threats. He left several voicemails on each line so I have proof of these actions. When I spoke with him he refused to provide any documentation to support his wild claims. 

I have talked to legitimate debt collector about debts. Never are they this hostile.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Jefferson Capital Syst, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I noticed fraudulent accounts on my report. Please remove these accounts from my reports. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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  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 EQUIFAX 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, credit repair services, or other personal consumer reports

I wrote a letter XX/XX/2020 and not heard any information back from them regarding the erroneous information on my report. I have sent them a picture of my photo ID, Social security card and a bill.
Product: Debt collection

Portfolio recovery associates have broken multiple laws, and not just with me. I have told them multiple times not to call me and they still do. Illegal. I have asked them to provide legally binding proof of debt owed, they told be they dont do that, and one time they said theyd send me an email and just sent random information like my address, email and phone number and said I need to pay. Illegal. I e told them that I dont owe this XXXX and I dont know what its about, and they responded with either paying them or having bad credit because they were going to report it to the credit bureaus, and they did. Knowing that you dont have a legal leg to stand on, and destroying my credit on purpose as leverage to get money out of me, in exchange for fair and accurate credit reporting, is a form of financial bullying and is illegal. I asked them to do an investigation 2 different times. The first time the did, and never sent me the results, instead they kept calling and asking if I would pay be credit or debt card. When I brought it up, they pretended that they sent the information notifying me of the results of the investigation. They didnt, and they responded thats weird and then kept trying to get me to pay. The statute of limitations on credit card debt in the state of VA has passed for this account regardless, and I argued that, multiple times as well, they cut me off and told them that if I just pay them, then itll all go away and I wont have to worry about bad credit. At one point in time they threatened to update the account so that the statute of limitations started over again, and tried to convince me to pay them. Ive gone to the major credit agencies to argue with them, multiple times, but they only use AI to do their disputes. They also break the law knowingly because of how much money that portfolio recovery associates pays them, and the system is biased, unfair, and illegal. Portfolio recovery associates have broken almost every law between 15 USC 1681 a-eb AND 15 USC 1681 i
Product: Credit reporting or other personal consumer reports

I contacted the company to let them know by law the medical bill that's being reported is under the legal amount to be report which is anything {$500.00} or less can not be reported to the credit breau.. the company refused to remove it from my credit despite knowing this information
Product: Debt collection

this company has been calling me repeatedly and while im at work throughout the week
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,