23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon pulling my yearly free credit report, I became aware of a collections account from AFNI, Inc on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$320.00}. I never received notification regarding the collection of this debt ( despite federal law requiring notification within 5 business days ), I never received any communication from this debt collector at all and they've supposedly had this debt since XX/XX/XXXX. This account with the original creditor was closed in XX/XX/XXXX and I reached out to XXXX in XX/XX/XXXX ( before finding out that I was in collections ) to make arrangements to return their equipment as they never at any time sent me instructions to return it and no XXXX XXXX would accept it. XXXX XXXX  ( XXXX ) never provided a final bill despite the company having my new address despite the fact that they themselves closed the account due to my new place of residence not allowing a transfer install. 

I attempted to get information XXXX to get information about any possible outstanding balances at the time I made arrangements to return the equipment, and was told that they could not provide 100 % accurate information due to it being a closed account but they guessed it would be around {$80.00} and would send me an invoice - that was not done. So, either XXXX held onto the debt and not notify me of any outstanding balance so it could be sent to collections or ANFI, Inc held on to the debt for nearly a year and half so they could reage it whenever. 

I have made multiple attempts to dispute the debt through CRA and ANFI claims that it fits the rules of the FDCPA - which does not. 

Either way, I was never notified by XXXX or ANFI that I owed any money and the exact amount I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. THE XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to use my Target Card Card ( issued by TD Bank ) and was declined. I called the company and they said that I was close to my credit limit of {$2500.00}. I offered to pay down the bill, but they were unwilling to take my payment. They said that their system could not " see '' my more recent charges and that they would not accept payment. I does not seem fair or legal that a credit card company would tell me I had a high enough balance that I was unable to spend, but at the same time that they would not take my payment for money I owe them.
Product: Prepaid card

Received an AMEX gift card for 2023 XXXX, have tried to use at XXXX, XXXX and several locations, will not work even though balance says it is {$100.00} available.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account XXXX XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear [ XXXX ] : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account XXXX XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least XXXX  days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within XXXX  days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : CFPB FTC States Attorney General
Product: Credit reporting or other personal consumer reports

This is really worrying, my credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Debt collection

I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Sunrise Credit a services added a file to my credit report. So I intially disputed it in XX/XX/XXXXas fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. Fast forward to XX/XX/XXXX I discovered that this company is not bonded in the state of California to collect debts owed or oherwise. It is illegal to try and collect a debt if the company is not registered with the California Secretary of State. This company is not even in Californias database.
Product: Credit reporting or other personal consumer reports

I recently investigated my credit report and discovered multiple inaccuracies. According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to ensure maximum accuracy in their reports. Furthermore, under 15 U.S. Code 1691i ( 5 ) ( A ), if any disputed information is found to be inaccurate or unverifiable after reinvestigation, the agency must promptly delete or correct it and inform the provider.
Product: Money transfer, virtual currency, or money service

I have been penalized by PayPal after an error occurred during online transaction between PayPal and XXXX that prevented the transaction from completing. XXXX & XXXX was force to cancel the order and refund me the {$520.00} dollars. However, once the cancellation executed, Paypal released and processed the transaction taking the {$520.00} from my checking account even though XXXX & XXXX had cancelled the order. Paypal has applied a " pending '' credit to my account but has been holding my money for over 3 days. The transaction took place on XX/XX/XXXX, the cancellation was XX/XX/XXXX, the Paypal debt took place XX/XX/XXXX, my bank processed the withdrawal on XX/XX/XXXX. I was told that the funds were being held because my bank had not processed the transaction. I was able to prove that the bank had cleared the transaction. However the Paypal contact said that even though they had gotten the money from me, they could not release my credit because the system was automated and could not be changed to free up the money sooner. I am still our {$520.00} and I have no products from XXXX & XXXX. All I got was a call explaining that it was too bad, but nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an official complaint against Navy Federal Credit Union due to their repeated and unjustified failure to provide me with Form 1099-C, a necessary document for tax reporting purposes. Despite my numerous attempts to communicate with the company and request the form, I have been met with an alarming lack of responsiveness and a disregard for their legal obligations. 

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 I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost attention and take steps to ensure that my rights as a consumer are upheld. Please keep me updated on the progress of this case.
Product: Credit reporting or other personal consumer reports

I have discovered multiple items on my credit report that I do not recognize, suggesting that my identity may have been compromised. I never authorized these accounts and have previously reported this issue. I am now requesting their immediate removal from my report. These unauthorized accounts are causing me significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These inaccuracies are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background check service is reporting two charges when I only have one charge. My conviction was in XXXX county nj and I received probation. For probation reporting purposes the case was transferred to XXXX County after sentencing. I only have one offense yet Checkr is reporting the same offense under XXXX County and under XXXX County. This makes it appear to employers that I have two charges when I only have one.
Product: Credit card or prepaid card

This all started when I noticed an unauthorized charge : XX/XX/XXXX there was an unauthorized charge for {$180.00}, I called it in, Old Navy made the adjustment that same day. I requested a new card for my protection. 
XX/XX/XXXX old navy transferred my balance from the previous card, {$220.00}, to the new card-I am fine with that. But I was under the impression that it only takes ONE balance transfer. The balance carried from XXXX ( Old card ) matches the XXXX balance c transfer. 
XX/XX/XXXX I make 4 returns in person in the amounts : - {$83.00} - {$19.00} - {$25.00} - {$96.00} Since I pay off my entire balances every month I expected to see a credit of those 4 returns in the amount of ( {$220.00} ) On XX/XX/XXXX I make another 2 returns in person : - {$47.00} - {$12.00} Old navy / fraud department/investigations department ( 3 different departments ) can not tell me why on XX/XX/XXXX somebody posted 3 of my 4 returns from XX/XX/XXXX as balance transfers ( charges ). These charges ate into what was suppose to be an overpayment or credit of at least {$200.00}. 
I have made 4 calls maybe 5, each call lasting about 1-2 hours. I keep getting transferred between departments, at the end of all of this, only {$19.00} was returned. The last manager I spoke to was XXXX from Old navy customer service. He said Old Navy had double credited me those 3 quantities from XX/XX/XXXX in the previous billing cycle. I explained that's impossible because I returned those items in 4 different transactions ( because they were from 4 different orders ) on XXXX, so how could they process those credits in XXXX? How did they know what I would be returning? My statements do not reflect double credits. 
The unauthorized charge from XX/XX/XXXX led to this disaster of accounting, they keep telling me the 3 transfers on XX/XX/XXXX are not charges, yet a transfer is a charge in any statement. They tell me they double credited me, but have no statement reflecting double credits. All they did was postpone my minimum due payment, and only credited me {$19.00} out of the 3 returns from XX/XX/XXXX and the 2 returns from XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX 2024 I was served with dispossessory warrant by XXXX XXXX XXXX XXXX from XXXX XXXX. I paid the fees on XX/XX/XXXX and my case was dismissed. I currently reside in the residence. 
XXXX-I received two letters by mail from Brock & Scott , PLLC stating they were hired by XXXX XXXX  to collect the debt from the dispossessory from the above /date in XXXX XXXX, One letter had a XXXX XXXX return address and One letter had an XXXX XXXX, XXXX  return address. The letter also stated the deadline to respond was on XX/XX/XXXX XXXX I called XXXX XXXX and no one could find a past due charge on my account dated XX/XX/XXXX2024. 
On XX/XX/XXXX, I sent a debt verification letter via certified mail to both adresses listed above. 
On XX/XX/XXXX2024, I hired a lawyer, XXXX XXXX, from XXXX XXXX XXXX XXXX. 
The following week, I received a copy of the dismissal from XXXX XXXX XXXX XXXX XXXX with a different return address than the previous two letters received.

I made my lawyer aware of the three addresses for Scott and Brock. She sent two letter via certified mail to them. In her letter she informed them that the debt has been paid and I currently reside in the home. 
XXXX2024- I received a response from Brock and Scott via XXXX . Their response was a copy of the dismissal, a lease and ledger. They did not submit anything that gives me ownership to this debt because the debt doesn't exist. 
On XXXX/2024- I phoned XXXX XXXX again and explained a company named Brock and Scott has personal documents and trying to collect a debt that doesn't exist. 
On XX/XX/XXXX I received a email from, XXXX XXXX, ( portfilio manager ) stating my account is current. This is the second email from him that says my account is current. Yet, Brock and Scott are still trying to collect an imaginary debt.
Product: Consumer Loan

Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month.
Product: Debt collection

I XXXX XXXX WHEN I WAS ON SECTION 8 AND THEY MESSED UP WHEN I WAS IN THE SECTION 8 PROGRAM AND UP ON ME AND CHARGE ME XXXX DOLLARS AND IT'S NEVER WAS SUPPOSED TO BE ON MY CREDIT FILE SO I CAN GET ON WITH MY LIFE BECAUSE ITS SLOWING ME DOWN AND I NEVER SHOULD OF BEEN OFF SECTION 8 PROGRAM SO THIS NEED TO BE REMOVED IMMEDIATELY FROM ACCOUNT. 

THANKS, XXXX XXXX
Product: Checking or savings account

I lost my Debit card. I last used my card XX/XX/2023 at earlier for {$30.00}. I realized I lost my card on XX/XX/2023 when I opened my online banking I called customer service to order a new card. I then became aware of lot of unauthorized transactions that had been done while my card was lost. I realized I lost my card when I opened my online banking and saw the unauthorized transactions on XX/XX/2023.I then became aware of few unauthorized transactions that had been done while my card was lost. Those transactions actions were XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$860.00} XX/XX/2023 amount {$460.00} XX/XX/2023 amount {$2.00} XX/XX/2023 amount {$2100.00} XX/XX/2023 amount {$37.00} XX/XX/2023 amount {$100.00} XX/XX/2023 amount {$520.00} XX/XX/2023 amount {$1200.00} XX/XX/2023 amount {$110.00} XX/XX/2023 amount {$540.00} XX/XX/2023 amount {$160.00} XX/XX/2023 amount {$43.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$4.00} XX/XX/2023 amount {$13.00} XX/XX/2023 amount {$58.00} XX/XX/2023 amount {$240.00} XX/XX/2023 amount {$230.00} XX/XX/2023 amount {$220.00} I was filed a claim when transactions are still pending and after two days they denied my claim and forcing me to accept that you made the transactions I filed a dispute on XX/XX/2023. On XX/XX/2023 I was said by the bank that my Dispute was denied. How could they investigate my dispute in less than 2 days I'm very hurt and offended and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me? The transactions was made in my Texas I live in CA hows that possible, Please help me getting back my money. Claim reference no : XXXX Bank WellsFargo