23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! 

I would like to receive monthly statements or the payment coupons they promised me.
Product: Debt collection

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to XX/XX/2017 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was contacted several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with regards to proof the debt. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.
Product: Vehicle loan or lease

My final payment for my car loan was due in XXXX, XXXX. I paid this final payment in XXXX, XXXX, ck no XXXX, dated XX/XX/XXXX and the my bank paid that amount on XX/XX/XXXX. 

From XX/XX/XXXX until XXXX, XXXX, Valley Bank send a letter each month stating that my payments were late and adding late charges. 

My bank statement and canceled checks shows that my payments were not late. 

My car payment to Valley Bank is paid in full, as of XXXX, XXXX. 

Please help!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readress for these violations.
Product: Money transfers

On XXXX XXXX, 2016 I initiated a transfer of {$270.00} from my bank account to my PayPal account. When I check to see if the funds are available, the details of the transaction states that the transferred money will be available in my PayPal balance on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and the funds are not available in my PayPal balance. The funds should have been available at XXXX on the XXXX. The transfer is an ACH transfer, the funds cleared my bank on XXXX XXXX, 2016. All PayPal says is that the transaction is an ACH transaction and can take 3 to 5 business days to show up in my account balance. That money has cleared my account and has been transferred to PayPal. PayPal is holding my money in their bank account and refusing to credit the funds to my account in a timely manner. By delaying the crediting of funds transferred from customers ' bank accounts to customers ' PayPal accounts, the company is using my money and getting interest on my money during the 3 to 5 business days that the money is floating in their bank account. Multiply this situation by the likely tens or even hundreds of XXXX such transfers every day and the amount of money PayPal is skimming off such transfers is enormous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Credit card or prepaid card

I made on time payments with Synchrony Bank and missed XXXX payment due to using my debit card to purchase gas for my car. My {$60.00} purchase was charged for {$120.00} with half the amount being held for several days. Due to this the payment to Synchrony Bank did not go through and I was actually charged that amount as an overdraft fee. My bank reversed the fee back to my account and I contacted Synchrony and explained the situation and made my payment to get back to good standings. Synchrony lowered my line of credit from {$5000.00} to {$800.00} which had a negative effect on my credit score. By default my debt stayed the same but my credit utilization increased so my score lowered even further. 

After making my most recent on time payment I was informed by Synchrony Bank that my account had been closed because I missed a payment and because my credit score was not high enough. My score was over 700 pre-pandemic and now it is under 500. My complaint ( s ) are not just with Synchrony Bank but also with XXXX XXXX and XXXX XXXX that hold funds from your personal account for several days as a result of being a customer with the businesses that utilize their services. 

I contacted XXXX to see who to file a complaint with and the agent put me on an endless hold without even informing me that I would be placed on hold. I feel that the credit card and financial institutions along with the credit bureaus have unfair practices towards those who are impacted most by financial hardships.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX put false and inaccurate information on my credit reports with XXXX and XXXX in the amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. XXXX XXXX XXXX has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.
Product: Checking or savings account

My Wells Fargo account was compromised and they will not refund me for the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an complaint about several inaccuracies on my credit report and have yet to receive any response or results and it has been well over 45days. i have not been cintacted i have also provided proof
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that Experian, XXXX and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit file. 
Unauthorized Accounts : 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: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, Transunion, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. US DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}
Product: Credit card or prepaid card

i have proof from the court that the company tXXXX XXXX XXXX which is located overseas were suppose to issue me a refund for the amount of {$6600.00}, which i purchase in XX/XX/XXXX and never received. It was order by the judge that i should received the money after i won my case back in XXXX of XXXX and i constantly emailed the company XXXX XXXX XXXX and they keep dodging my calls and emails. i even sent them emails from a email they didnt recognized and they responded right back and when they found out it was me they ignored me. heres the lawyers email XXXX. i even sent affidavits and all and theyve received the info in the mail and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any investigation results from the accounts I disputed over 30 days ago.
Product: Bank account or service

Dear Sir or Madam : JP Morgan Chase NA does not let its customers transfer money on a recurring basis on or after a date of the month. The " transfer on '' date can only be the deliver on or before date. It can never be the " send on '' date. This means a consumer wanting to transfer their money to an external savings account risks overdraft because the " send on '' date is uncertain due to the random occurring weekends and holidays. Moreover, preventing customers from choosing the " send on '' date for transfers biases Chase Checking account holders towards having savings accounts with Chase to eliminate the overdraft issue due to randomly occurring " send on '' dates. 

I think this practice of not allowing customers to specify the dates of the month on or after their funds are sent may be an attempt by JP Morgan Chase NA to discourage external savings accounts and to boost overdraft fees. 

A consumer who selects a XXXX of the month transfer date on XX/XX/XXXX, for a recurring transfer will have the following next XXXX transfers. 

Send On Deliver ByXXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXXIf that consumer gets paid on the XXXX of the month, she will have XXXX overdrafts if she does not have funds prior to getting paid to make the transfer. A Chase checking customer will have to select the transfer on date of the XXXX of the month to guarantee that none of the next XXXX transfers is sent on before the first of the month. Moreover, there is no guarantee that she will not have a transfer sent prior to the XXXX of the month after the first XXXX transactions leading to an overdraft. I believe that this might be a predatory way to set up transfers to maximize overdraft fees and scare JP Morgan Chase NA checking customers from using external savings accounts which likely offer better interest rates than Chase. 

Sincerely , XXXX 
XXXX, LA XXXX : ( XXXX ) XXXXXXXXXXXX
Product: Debt collection

I have been a current victim of identity theft which has been discovered since XXXX of this year 2024. 
This one from Radius Global Solutions with the original credit listed as XXXX XXXX is included in this. I have not owned a XXXX XXXX card in over 6 years and the one I did have was a secured credit card in my name and that had been paid in full and closed. 
The amount of this debt being pursued is for {$120000.00}. 
I have an FTC report which was filed immediately when I discovered my identity was compromised and also have an inquiry made to my local police department which has been made aware of this crime as well. 

XXXX XXXX XXXX
Product: Credit card

TO WHOM IT MAY CONCERN THIS IS MY SECOND COMPLAINT AGAINST MACY 'S FRAUDULENT ACT THAT BEGAN XX/XX/XXXX.WHY DO I SAY FRAUD BECAUSE AS OF THIS XX/XX/XXXX MACY 'S HAS FAILED TO REVERSE A LATE A FEE OF {$27.00} WHICH THEY CLAIMED THEY DID .INSTEAD THEY APPLIED THE LATE FEE TO MY MINIMUM PAYMENT WHICH HAS NOW BALLOONED TO {$100.00} XXXX MORE LATE FEES HAVE BEEN APPLIED WHICH HAS RESULTED IN MY HAVING A PAST DUE {$42.00} .RECENTLY I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL TOO? Y MY ACCOUNT HAS NOT BEEN CORRECTED YET & THERE RESPONSE WAS A PHONE # I SHOULD CALL BECAUSE THE ACCOUNT IS IN A SPECIAL UNIT.I'AM VERY CONCERNED THAT MACY 'S FAILURE TOO CORRECT MY ACCOUNT IS DUE TO THERE BANKRUPTCY.
Product: Money transfer, virtual currency, or money service

Made a ACH in the amount of {$1500.00} from my bank XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo on XXXX XX/XX/2021 for the purchase of a transmission from XXXX XXXX XXXX XXXX. On XXXX XX/XX/2021 I submitted a complaint with my bank informing them that I was a victim of fraud and requested they investigate and retrieve my money. I also made contact with Wells Fargo to inform and inquire what I could do to stop ACH or retrieve money back, they told me to contact my bank. 

Prior to contacting both banks I attempted numerous times to contact company by text, email, and phone. Only contact from company reference my order after initial payment was on XXXX and XXXX XXXX to request additional money for shipment which was included in purchase price. 

XXXX XX/XX/2021 I received message back from my bank stating they can't help me and to contact Wells Fargo.
Product: Debt collection

The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquiries on my report I did not authorize or pursue. Please have them remove.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a leased vehicle with Toyota Financial services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in XXXX  and a XXXX, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to Toyota Financials incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report related to 15 USC 16c-2. The listed inquiries were not authorized by me and are damaging my credit. Please remove these unauthorized hard inquiries immediately.
Product: Credit reporting or other personal consumer reports

This is my numerous requests regarding my status as a victim of identity theft. I am sending this to dispute certain accounts in my file that have resulted from this crime. The disputed accounts do not correspond to any transactions for goods, services, or money that I have made or authorized. Please remove any information in my credit file that has resulted from this alleged identity theft. 
XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$890.00}
Product: Credit reporting or other personal consumer reports

I REQUESTED A VALIDATION OF FRAUDULENT DEBT FROM ALDRIDGE PITE HAAN AND HAVE NOT RECIEVED A RESPONSE. ALDRIDGE HAS NOT PROVIDED THE PROPER DOCUMENTATION TO VALIDATE DEBT FOR ACCOUNT THEREFORE THE DEBT HAS TO BE REMOVED. ATTACHED IS THE 2ND REQUEST FOR DEBT VALIDATION, MY NOTICE OF SUIT, ALONG WITH CERTIFIED RECEIPTS.