23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this medical debt has been paid by insurance and paid any deducible owed no money is owed
Product: Checking or savings account

My account from Citibank was closed on XX/XX/XXXX and I was not notified until I found out that I was locked out of my account. I contacted Citibank and they informed me my account was in the process of closure due to suspicious fraud activity but I asked them to provide me with more information. I tried to switch over my XXXX to my bank which may have triggered the security system to mark my account for closure but I am unable to notify Citibank to stop my accounts closure. They told me that I would receive a check and mail to my address about my account closure but they still havent sent that check. They also sent the mail to my old address and have not given me any answers
Product: Debt or credit management

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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
Product: Debt collection

On XX/XX/2020 I settled payment was paid in full of XXXX $ They advised it will be removed and updated as such. They are now saying I owe XXXX $ it is now reflective on my credit report as such.
Product: Debt collection

I noticed on my credit report I have a collection for Stuart Lippman and associations the balance is XXXX. I contacted them early XXXX of 2019 regarding this issue. The first day I called nobody answered, the second day I called a guy told me the person handling this matter was not available I even asked him can he enlighten me on what is this regarding my credit. He went on explaining he could not see what it was and I would have to talk to the person who was in charge. I called again the next day no one answered. I would like to remove this matter from my credit.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account USAA SVG BK XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX DOB : XX/XX/XXXX last four of SSN : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX RE XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXX XXXX to the Credit Reporting agency by the name of XXXX. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXX Bank will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/ 2023, I applied and was approved for Paypal credit, with a limit of {$2600.00}. After a couple of days of trying to use it and not being successful, I contacted Paypal and was told that there was a limitation on my Paypal account due to a negative balance on a past account that had been set up through a job I had a few years ago. I was told that the debt had been sent to a collection agency and to contact them to resolve the balance, and that once I did that, the limitation would be lifted and my account access would be restored. I contacted the collection agency and confirmed the debt. It was for {$100.00}. I paid it on XX/XX/2023, in two separate transactions, one for {$70.00} and one for {$30.00}, and then uploaded the receipts to Paypal. I waited until XX/XX/XXXX and when I still couldn't access the money in my Paypal account nor my credit line, I reached out to them again. I was told to wait a few days for it to clear on their end and then everything would be fine. So I waited. And waited. And waited. I contacted Paypal customer service via phone 21 more times and via chat 8 times, spending nearly an hour or more on the phone each time. I just kept getting transferred, and hung up on, and ignored, and flat out lied to, even told at one point that the limitation had been lifted when it obviously hadn't been. This has been going on for nearly XXXXwo months now, and it has begun to really affect my family financially. My wife is having our third child in less than 3 months, and the fact that I can not access my credit line or my money that is in the accountit has caused a terrible financial strain that could've been avoided. Which is causing stress on myself and my pregnant wife, who is already considered high risk. There's literally nothing stopping them from fixing this issue. All I keep hearing is that their back end office is dealing with it, but apparently there's no possible way to contact this supposed back office, and they have failed to meet their deadline of 3 to 5 business days so many times it's almost laughable. All I want is for them to lift the limitation on my account, because I met the requirements to do so in XXXX, and I have saved every chat and phone call history to prove it. I don't know what else to do. Please help me.
Product: Checking or savings account

Complaint ID : XXXX I write to you because I disagree with the response of Bank of America, they said may claims was denied because authorization codes were sent to my phone and no proof was supplied to confirm that the phone number was hacked. 
After being a loyal customer of Bank of America for five years, I find myself in a situation which is placing me in a difficult and stressful situation due to the way Bank of America is treating me and the poor investigation taken when my account was hacked on XX/XX/XXXX when someone made a transfer using XXXX and wiped me out. I am not a rich person, and I dont deserve to be waiting all this time for the return of my money. 
Previously I explained that On XX/XX/XXXX, I received a text message about a transfer and to call right away if I had not initiated the transfer. I called immediately and also, I opened my online banking and noticed that someone took out of my accounts and stole {$2000.00} from checking account that I have together with my daughter and {$1500.00} from my savings account that I have with my husband. I tried to stop the transfer but was not able to do it, I called the bank and no one answered my call. 
How can this happen? The only reason I use XXXX is to receive my salary, not to make outgoing transfers. XXXX was only configured to deposit into my checking. It was never linked with my daughters account and no one in my family has the XXXX app installed in their phone. We just dont use it for transfers. 
The bank did not realize that in a matter of minutes several changes were made to the configuration that existed with XXXX, and allowed the transfers of large sum of money from accounts that were not linked to electronic transfers, and also, they allowed them to empty an account. 
After an hour passed, finally I spoke to someone at Bank of America, but it was too late, the transfers had been made, I had already spent an hour waiting for someone to answer my call. 
The bank tells me that I must take the phone to somewhere to prove it was hacked. 
I know my phone was hacked because the people who did it could see my ID and the password to enter online banking, also the text messages that the bank sent me with the codes, they used them. I did not do this ; I did not request transfers. I have an XXXX XXXX ; it has not been lost nor have I given it to anyone. 
I contacted XXXX, they had the information of my phone and they sent it to the engineering department, they reviewed it and tell me that they can not give me an answer if may phone was hacked or not, and that they are only going to give this information to the police or a legal entity. 
We are modest people and these {$3500.00} mean a lot to us, this money is the result of many hours of work and sacrifice, and have put a major strain in our lives. My daughters savings to go to school are gone. The other {$1500.00} were we had to pay our rent and expenses. 
I expect a response and a refund of my money Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some fraudulent inquiries appearing on my credit report. 


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: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX I filed my XXXX Federal Income Tax with Turbo Tax online. I was offered to file for a Refund Advance through Credit Karma, I applied and was approved for {$1500.00} the advancement was sent to an Account that Credit Karma created called a Credit Karma Spend Account. I received the XXXX XXXX on XX/XX/XXXX into my Credit Karma Spend Account. On or about XX/XX/XXXX the Credit Karma Spend Account was closed without my knowledge. I contacted Credit Karma and was told it was system error and that it was being sent to a supervisor and that my Credit Karma Spend Account would be re-opened not to be concerned that my remaining tax refund minus the Refund Advance would be deposited into my account. Weeks passed and still my Credit Karma Spend Account was not re-opened so I contacted Credit Karma and was then told that they sent an email back in XXXX asking for me to verify my information or that my Credit Karma Spend Account would be closed, I went back through my emails and the ONLY email I received from Credit Karma was in XX/XX/XXXX that was sent to my spam folder so I was never notified but the email stated that my Credit Karma Spend Account was closed at this time. When I filed my XXXX Federal Taxes with Turbo Tax on XX/XX/XXXX in order to qualify for the Refund Advance I had to verify my information to link my Turbo Tax Account to my Credit Karma Account so at this time all information was verified and the {$1500.00} Refund Advance was deposited into the Credit Karma Spend Account on XX/XX/XXXX. In order for it to be deposited my Credit Karma Spend Account was open at this time and I was able to use my prepaid debit card that expires in XX/XX/XXXX. Now I have a closed account that I can not use, and I now have my remaining Federal Refund being deposited on XX/XX/XXXX into an account that is now closed, I can not get any assistance to rectify this situation. XXXX XXXX is blaming Credit Karma and Credit Karma just doesn't care. I paid to file my taxes and to get the Loan processed.
Product: Debt collection

My identity was stolen which resulted in alleged debt ( s ) that is being reported falsely on my credit report. Furthermore, a third party entity illegally purchased my information and is doing unfair debt collection and reporting practices which has negatively effected my credit, reputation, and financial opportunity to further my quality of life. This is aggravated identity theft. I've filed an identity theft complaint with Experian, and have filed a police report for identity theft as well. There are 10 or 11 accounts reflecting this fraudulent activity and all of them must be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Bank is reporting a debt as open. I requested a letter of validation for this account because I don't believe this to be mine and I never received one and I also reported thar this account is reporting inaccurate information and by law this account must be removed for failing to report accurate information on my report. I disputed this and requested it's removal which is my right by law. Equfax did not remove it and changed it from open to charged off. And they took XXXX points off my credit report. Please help me to remove this account and put back my points that were unjustly removed from my credit score.
Product: Credit card or prepaid card

I have used my Capital One credit card for years. My last full check shows I have a balance for purchases. I also noticed there is a field for cash advances, and this shows over {$2000.00} for XXXX XXXX. 
About XX/XX/XXXX I withdrew a cash advance of {$500.00}. I have not used or tried any more cash advances since. I do not dispute I needed to pay the money back, including interest. 
I also was aware of a higher interest rate and that increases daily. I am not disputing the interest percentage. 
I have used my card to make regular purchases and have always made payments that exceed the minimum. I have even made extra payments in between cycles. Since no money was due when I did this I expected they apply the extra payments to the principle. 
I understand that banks are supposed to apply payments to the account with higher interest rates first. Cash advances are subject to a higher rate and re compounded daily. 
I contacted XXXX XXXX on XX/XX/XXXX and asked the first person why it said I owe over XXXX for the advance of {$500.00} in XXXX. I was not able, or did take any more advances, and the ability to do any more was blocked at {$500.00}. 
Each person in customer service said something didn't seem right and put me on a long hold. It was told that the account should have been paid off first due to it's higher interest rate and daily accrual. This was not done. I was then transferred to a second person after another long hold. That person also said something wasn't right. More long hold and transferred to a 3rd person. I asked her why the higher charge account wasn't paid first. She said both interest rates were the SAME so they basically applied all payments to the main account, and none to the advance account. 
how I could pay back the advance first while still making extra payments to account. 
She again said since the rates were same for both types, they didn't have to apply payments to the advance account. I asked her what I could do to resolve this issue since I was being charged {$50.00} a month in interest for the {$500.00} charge. She said I had to pay the ENTIRE amount for both which is over {$4000.00}. I could agree with them if I was behind on this payments but I always paid more than was due on every payment. 
They said ( the fine print ) said they can continue to charge all those fees. They offered NO settlement or second consideration. Paying extra to the account for 3 years and it went from {$500.00} to $ XXXX doesn't seem right
Product: Checking or savings account

I work for a company for which I paid cars for them on XXXX, because of that, they usually let me change their check on my account. So this time I deposit a check of about XXXX dollars into my account, and paid cars with some of it, there was no problem. Then I came back for a cashe check to pay for other cars, the teller told me that I could not use the funds that I had, when I asked why they told me it was because of the check, so I told to myself everything going to be ok because it wasn't fraud. The same day, minutes after, I received an email from wells fargo, that they are closing my accouny, I called them to know what will happen with the money, they told me it is going to take 7 business days to return it. 7 days pass to a month, I call them, the person over the phone told me that they return the money to the business who wrote the check. So my boss went and talk to the owner of the business, and he went to his bank to know if he received it, or when he is going to receive it, his bank never received any money. So I went back to my bank and told them that the money was not returned, they told me, the business owner ( the person who wrote the check ), me, and my boss ( the person 's the check was written to, need to go to the bank together to verify that the check wasn't fraud, we did all of that, but since then, we have been going back and forth to the same result, no check, and at the and they told me wells fargo has the money. The last time I called them, the guy over the phone was very rude and hanged up on me. So please help me. So in total they XXXX rom both my saving and checking account, because I already had money on my account.
Product: Debt collection

I've never done business with " ability recovery services '' so I do not owe any debts to them. Please send a contract with MY signature and also with ( MYSELF ) agreeing to pay said amount to your company, or delete from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau, including false account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing inconsistencies, and accounts that do not belong to me. 

I require assistance in resolving these matters to protect my financial security. Please conduct a thorough investigation and advise me on the appropriate next steps.
Product: Debt collection

I have submitted two dispute letters and a complaint stating that this account is unknown and it is fraud. The response both time from XXXX, says that the account is verified with no proof sent to me in the mail. I never applied for a XXXX XXXX account. I never filled out and signed a application to set up an account. I never provided a copy of my identification card to verify myself. I never made any payments on this account. This account was set up illegally and without any visible verification. This account was reported fraud years ago and the account was sold from XXXX XXXX ( original creditor ) to credence resource mana account number XXXX. Original balance reported was {$310.00}. Now it is reporting {$210.00}. Credence only change the amount to make it look like the account is justified because of my last complaint. Somehow they have obtained an old address of mine in XXXX XXXX and is using it now to report to XXXX. Originally they were using the address the illegal account was created at. Credence doesn't have any payment history reporting to XXXX and can't provide it because it doesn't exist. payment history on credit report is saying data unavailable. I am requesting this account be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX/XXXX/XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX  should pay major restitution for ruining lives. Please, please help!
Product: Debt collection

I owed loans from school, had several XXXX XXXX, asked forgiveness because of my XXXX and it was granted, but they kept with the phone calls, letters and threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX