23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, we were victims of the XXXX XXXX XXXX company located in the XXXX XXXX. This is a company that takes advantage of the situation of customers. My husband and I were pressured into buying a vacation package. We tried to cancel the next day after reviewing the reviews and talking with other people in the resort. However, they did not let us cancel with fraudulent stories and intimidation. Since the purchase of the vacation package was made through a XXXX XXXX XXXX credit card that they opened and processed in the XXXX XXXX, we started a dispute with the bank soon as we arrived in the United States. At the end of the investigation process, we had to pay {$4900.00}, which was very unfair since we never used the vacation package. The worst thing is that on XX/XX/XXXX, just now, we received a bill from a collection company saying we must pay {$7000.00}. This is incredible! The case was already disputed and closed with the bank, and we had never used their services and now after 5 years, they want to come and collect for a closed case. We need help to stop the abuse of this company. The collection company is Aspen National Collections and its telephone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$180.00}
Product: Checking or savings account

Hi i closed a checking and savings account XX/XX/2020 with citi bank, but today i am getting messages and phone calls that i have a savings account with XXXX $ balance open and being charged fees .... 

Please close this account and waive all fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. BEST BUY/CBNA Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. THD/CBNA Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which outlines permissible purposes of consumer reports. The inquiries listed below were not authorized by me and do not meet the criteria for permissible purpose as they did not involve any extension of credit or any other legitimate reason for accessing my credit report. 

The disputed inquiries are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : - **Section 611 ( 15 U.S.C. 1681i ) ** : Credit bureaus must investigate disputes filed by consumers.

- **Section 609 ( 15 U.S.C. 1681g ) ** : Consumers have the right to access information in their credit reports.

- **Section 604 ( 15 U.S.C. 1681b ) ** : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Mortgage

I sent check # XXXX in the amount {$7000.00} dated XX/XX/XXXX with loan number on the check and SPS payment statement attached. 

I sent check # XXXX in the amount {$7000.00} dated XX/XX/XXXX with loan number and loan address on the check and SPS payment statement attached. 

I sent check # XXXX in the amount {$7000.00} dated XX/XX/XXXX with loan number and loan address on the check and SPS payment statement attached. 

I sent check # XXXX in the amount {$7000.00} dated XX/XX/XXXX with loan number and loan address on the check and SPS payment statement attached. 

Please address independently each of the four issues, why these timely correct payments were not applied properly?
Product: Credit card

I am still waiting for the letter of apology from Amex sent around XXXX XXXX that describes the disposition of the funds from my Amex account in XXXX XXXX. The number of that account on the credit reporting agency was XXXX XXXX XXXX XXXX. 
I have a number of responses to the cover letter sent to me last month indicating that I " insisted '' I had no card with a number ending in XXXX, but I need 2 weeks to respond to that letter. I will be XXXX on Thurs XX/XX/XXXX and will need recovery time and time with the bank to review my records dating back to XXXX to be able to provide accurate account numbers. 
In the meantime, I request that American Express stop adding late fees and interest to my account XXXX as that balance is still in question.
Product: Money transfer, virtual currency, or money service

This is a dispute about how Paypal charges its US customers for purchases made in foreign currency. 

On XX/XX/2021, I made a purchase of {$140.00} in XXXX dollars, and used Paypal to pay for purchase with my USD Visa credit card. I expected Paypal to charge me {$140.00} CAD, which my credit card issuer would then exchange into USD. Instead, Paypal took the liberty to perform the exchange itself, and charged me in USD directly. 

Accoring to XXXX, a {$140.00} XXXX purchase on XX/XX/2021 would have converted to {$110.00} USD. ( My credit card company has no foreign exchange fee. ) Instead, Paypal charged me {$120.00} XXXX, which reflects a 4.4 % markup. 

I did not authorize Paypal 's currency exchange. Throughout the purchase, the web page displayed the CAD amount prominently, and did not ask me if I wanted Paypal to perform the foreign exchange. I expected to be charged {$140.00} CAD, and have my bank perform the foreign exchange with a reasonable exchange rate. 

What Paypal has done is very sneaky, underhanded, and unethical. 

The dollar amount involved here is very small and not important to me. But the overall amount involved across all of Paypal 's customers is surely significant. Paypay 's sneaky attempt to steal money via unauthorized foreign exchange fees left a very bad taste to me, and Paypal should not be allowed to keep doing it.
Product: Checking or savings account

I got fraudulent charge of {$1000.00} on XX/XX/2022 alerted bank of america with in XXXX minutes and they did temporary credit adjustment but then later refused to pay the claim. 
I need help with this Matter please. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX I XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX ( charge off ) XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX ( charge off ) XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Recently I was notified through a credit reporting agency that my credit score was decreased significantly due to a credit line decrease on my Discover card. I immediately called the company for an explanation, that department was closed. I requested a line increase and was denied. I waited until Monday and spoke to a representative and their supervisor who both told me that my line was decreased due to a recent review of my credit line and I was notified via my preferences selected on my account which are paperless ( email ). I do get all other communications through email and check my email multiple times a day. I was told that to dispute this decrease or ask for a reinstatement I would have had to call back within 30 days of the decrease however I was a couple days short of this and they could not do anything to help me. I asked multiple times where this message was, I did not receive it. It is not in my email, not in my written mail or in my message center on the Discover app. I asked for confirmation that it was sent and they could not provide it. It is a law that I was provided this information, I would have liked to fairly fought for my credit line and my credit score. I was told the best they could do was to resend the information.
Product: Credit reporting or other personal consumer reports

I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have XXXX  days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within XXXX  days of RECEIPT of this letter will result in a small claims action against your company. 15 USC Code 1681e ( b ) Accuracy of report Whenever a consumer
reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the i

nformation concerning the individual about whom the report relates. 15 USC Code 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the
reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX  ), Consumer Date of Birth : XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX. Conns Account Number XXXX I have sent Conns letters of dispute and I received no reply of proof to legally verify this account, which has exceeded the 45 days. Therefore, XXXX 's legally has to permanently remove this from my credit. XXXX and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent XXXX XXXX ( on XXXX named XXXX XXXX ) {$30.00} for a ticket to a stand-up show. After confirming the payment to her, she requested another {$10.00} for a transfer fee which I said I shouldnt be paying. After that she blocked herself from the conversation. Communication is attached.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I do not have an account with any of these companies. 

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

A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

Called in on XX/XX/2020 to Avant Credit Card customer service asking to get my pay off balance. I was informed the pay off was XXXX ( which was the same balance on my phone app ). I hung up went on the app and paid my balance in full. Then on XXXX I was checking to make sure my payment ( that had already cleared my bank ) was posted and that my availability was back to to credit limit. Upon signing in there was a payment of XXXX  on my account and the payment was still not reflected. I called and spoke to customer service and they could not explain things so I asked for a supervisor. A supervisor named XXXX? Called me and stated that my payment posted on XX/XX/XXXX but, interest was generated on XX/XX/XXXX. I explained that because I paid it off there was no balance to charge interest on. I also asked why the balance was not reflecting my payment even tho its cleared the bank and she can see it was received. She said they hold it 10-15 days to make sure its cleared. I told her that is not right and I do not feel Im responsible because I think they are drawing this out for the companys benefit. I asked for someone above her and she told me there was no one above her. I said so youre the top person at Avant? She said no just of this department. I asked who else I could talk to ... she said you want to escalate this and I said yes. She then typed an email and told me it would be 15 days before I could hear from them. I told her that in the mean time I would be filing a complaint with consumer finance ... the response I received was ok Any questions please call XXXX
Product: Debt collection

The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company, and I am not in any contractual agreement with the company. 

The companys actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It says I owe {$63.00} dollars. My information was exposed through a breach through Equifax. They compromised my information I would like for them to delete the account off of my account