23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a validation letter to the debt collector regarding this alleged debt via certified mail return receipt and received a letter back saying that I didnt provide any information for validation of the debt. They sent this letter the same day after the validation letter was sent to them. Therefore they have refused to validate the debt. They have not even so much as investigated as provided by the almost immediate returned letter. I have provided my name, address and other verifying information which they do have because they are marking it on credit report. I will provide copies of everything I have sent and received
Product: Credit card

I scheduled my payment of {$2400.00} to be electronically transfered from my checking account on XX/XX/XXXX and then on the same day Citibank also withdrew {$700.00} which was NEVER AUTHORIZED by me. 

Citibank sent a very confusing email trying to explain this second amount being deducted from my account. No one in my family could understand this email. I notified my bank XXXX XXXX XXXX XXXXXXXX XXXX about the issue on XX/XX/XXXX. Even XXXX XXXX XXXXXXXX could not figure out why Citibank did this and XXXX instantly filed a claim for the {$700.00} which was returned to my account on XX/XX/XXXX. 

Today I received another email from Citibank saying that XXXX XXXX XXXXXXXX would not release these funds and that I needed to notify my bank to release these funds and then pay the {$700.00}. I then called Citibank at the number on the email and I spoke with XXXX different departments. I finally spoke with a representative that said all was fine and not to worry about that email. 

I thought I was done but this afternoon I received another email from Citibank saying I still needed to pay the {$700.00}. 

We can not make sense of any of this. We would greatly appreciate your help. I am very stressed out about this issue because I have an exceptional credit rating and I don't want any problems. All emails are available for your review. Thank you.
Product: Credit card

I purchased from a website called XXXX on XX/XX/XXXX with the amount of {$1700.00}. I purchased XXXX items from them. I, however, returned all the items because they were tampered with and the boxes weren't in perfect shape. XXXX notified me that they received the returned items and that they would refund me the full amount. However, I never got the refund and XXXX suggested I contact my bank. So, I tried to file a claim with Bank of America about it on XX/XX/XXXX. They denied my claim on XX/XX/XXXX because they confirmed with the merchant that the merchandise was shipped to my address which is true that I received the items. However, the reason why I filed the claim was that I did not receive my refund from XXXX when I returned the items. So, I spoke with Bank of America and they said the first claim was filed under fraud which is why they denied it. So, I filed another claim on XX/XX/XXXX and I mailed them evidence that XXXX received my refunded items and it shows on their website that a refund was being processed. On XX/XX/XXXX, I received another denial of my claim because the claim is past the time period for me to notify Bank of America since it has passed 60 days. The issue is that my first claim was within the 60 days but they took 1 month to reply to it. So when I submitted my second claim, it already passed the 60 days because Bank of America took way too long to reply to my first claim. Now, I am running in circles with Bank of America and no one is giving me a clear answer on what to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the inquiry listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for this inquiry to be promptly removed from my credit report to protect my personal and financial information. 
Inquiry : XXXX  XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my creditreport and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that the credit bureaus will investigatethis account for me to ensure accuracyhere is the account i am asking you to verify as accurate : name : XXXX XXXX account number : XXXX
Product: Credit reporting

Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus Transunion,  XXXX  and   XXXX   since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my Transunion report which made it seem like I had  XXXX  past due accounts instead of just  XXXX . Transunion reports originally showed as follows :   XXXX   acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XX/X/XX    XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XX    XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}  XXXX  shows both  XXXX  accts the same as Transuion but no   XXXX   XXXX   XXXX   accts.  XXXX  shows no   XXXX   accounts but the   XXXX   XXXX   XXXX   shows as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX  None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from   XXXX   XXXX   XXXX  . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  X/XX/XX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against Transunion and in doing so Transunion deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect. Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
Product: Debt collection

This company is reporting a collection on my credit reports that I have no knowledge of and they have n't provided me any information to what it 's in regards to. I sent them a debt validation letter once I noticed the collection on my reports and have yet to receive any correspondence from them, including the certified mail return receipt. I know my rights as a consumer and they have broken laws that are under the FDCPA, and I wo n't hesitate to pursue litigation against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
Product: Credit reporting

XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.
Product: Debt collection

I have disputed the account with XXXX and came back as " verified ''. 

Creditor is reporting a past due balance from what I read a charged off accounts are not legally allowed to have a past due balance this is violating my consumer rights. Please remove this account from my credit report immediately. This is FCRA violation.
Product: Consumer Loan

Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed
Product: Credit reporting or other personal consumer reports

Ive been sending notarized letter to experian for months requesting investigation on all negative accounts being reported to my credit report and requesting proof and validation of debt but no proof have ever been provided to me. Just that investigation have been completed and debt have been verified with no additional information. And now that I see experian is being sued due to their lack of actually investigating disputes I will like to report that they have not properly conducted an investigation on any of my previous disputes.
Product: Student loan

Navient improperly removed a 0.5 % interest rate reduction as part of their Student Loan Rewards benefit written into my Masters Promissory Note.

They sent me a letter on XX/XX/XXXX that the benefit had been removed from my account ending in -XXXX. However, a payment was submitted via autopay for {$170.00} on XX/XX/XXXX, which should be marked as an on-time payment and continuing to qualify me for the benefit.

Since they removed the benefit on XX/XX/XXXX, my interest rate increased from 4.5 % to 5 % per day. This is costing me an addition {$0.00} a day in interest that Navient is not entitled to.

I reached out to Navient on XX/XX/XXXX asking to get this resolved by Tuesday, since it should be a simple check and fix. However, I have yet to hear back from Navient regarding this matter at all, which is why I'm here to make a formal complaint.

PS - I have attached the letter in question, proof of my payment straight from Navient 's website, and a blurb about the terms and conditions of the benefit.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have an XXXX store credit card and have spent over {$1500.00} on various purchases over past year. Recently I found some unauthorized charges on my bank statement. my banker had me go through all statements for past year. When I did I found many questionable and unauthorized charges on XXXX as well as a few others. I had investigation done and put fraud alert on my credit reports as well as notifying the companies involved. I have purchased many items from XXXX including movies- which I paid full price for. I tried to watch one of the movies I paid for on XXXX XXXX XXXX the other evening and found out my account is frozen due to the fraud. I asked to be able to watch movies I have paid for and was put on hold and no one came back on phone. I called tonight and was being transferred to supervisor but no one ever came on phone. When this fraud was first found, XXXX reissued by card-which I have paid in full. I no longer leave my credit card online. If I need to order something I enter card info and place order. Once order is successful I remove card. I have no idea why all of a sudden my account is frozen but I want access to items I have purchased. I am being punished by this company for being a victim of fraud
Product: Money transfer, virtual currency, or money service

I have XXXX Cash App accounts. After changing my phone number, I couldn't get into my first account, XXXX XXXX, so Cash App support told me to make a new Cash App account. I made account XXXX XXXX. I asked them to delete XXXX XXXX, but they say they can't unless I can access the account. 

1. I want XXXX XXXX deleted immediately. 

I have {$58.00} in XXXX XXXX and had to change my phone number again, so I can't get into that account now or withdraw my money. Cash App support told me to make a new account and that thy can merge it after. I made account XXXX XXXX but when I called to merge it, they said they couldn't until I found and regularly use the new Cash App account. I don't want to put more money in or use their scammy app anymore. 

2. I want to withdraw my {$58.00} immediately. 

3. I want XXXX XXXX and XXXX XXXX both deleted. 

Cash App is a scam, and they are trying to force me to spend money with them to get my money out.
Product: Payday loan, title loan, or personal loan

I have made a purchase from XXXX XXXX through financing without any interest for one year, usually XXXX  XXXX go through Wells Fargo for financing, I have made all payments on time and settled the account before the end of the year on XX/XX/2019, I went to XXXX  XXXX   XXXX in person and got the credit memo from customer service, and asked them when would this credit be reflected on my wells Fargo account, in order for account to be closed and will show that I have XXXX balance remaining, they stated it will take 3 - 5 business days. 

unfortunately I have checked my account within two weeks and nothing was reflected on my wells Fargo account, I called XXXX XXXX customer service and asked them why is my final paid bill is not showing under my wells Fargo account, they stated that they have sent it already and I should talk to my bank ( Wells Fargo ), I immediately sent an email to my bank stating my issue, the bank answers me by I should call this number XXXX, which I did and informed them about my issue, their reply was, we will investigate and reply back to you. 
In the mean time I was being charged by my bank Wells Fargo {$340.00} interest charges against my XXXX XXXX account due to the remaining balance which I paid fully but still not reflected on the account, so I send another email to my bank stating that your investigating is taking too long and I am being charged with every thing in their book, late fees + interest charges and so on, the bank replied back we are still investigating this matter!!! really, it is not fare to delay this matter just so the bank can charge me all those false charges, although I paid the late charges {$38.00} plus the minimum due payment on the interest charges, just so I can keep my credit safe which is above 720, I can't believe that they are still investigating this matter, it is so simple and every thing is done electronically, all what they have to do just contact XXXX XXXX to get the credit memo number and close this case, I have sent the credit memo number to them, and I have sent them all required documents to prove that I have paid the last payment on my XXXX   XXXX account before the end of the period, and I should not be charged all those interest charges, it is done deal. 

I don't know whom to go to, or what to do, I have been with Wells Fargo for so many years and I have been loyal to this bank, I am tired of contacting the bank with no action from their side, please convey my message to them, I can't afford a lawyer to sue such a huge entity and the amount is not that big to the lawyers to take my case, I just need this agony to be over with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, XXXX and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I asked that a charge be corrected because I didnt ok it. XXXX
Product: Debt collection

I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XXXX/XXXX/16, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to CCS Collections. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Product: Money transfer, virtual currency, or money service

I am writing to seek your assistance through the Consumer Financial Protection Bureau regarding an issue with my PayPal account. On XX/XX/XXXX, I noticed several unauthorized transactions on my PayPal account and immediately filed a dispute. However, when I logged into my account on XX/XX/XXXX, I discovered that PayPal had placed a limitation on my account. I contacted PayPal customer service right away to understand the reason for this action. The representative explained that PayPal was holding my funds due to potential disputes, claims, chargebacks, reversals, or other liabilities. I would like to clarify the nature of the funds being held : - {$610.00} was sent from XXXX XXXX from my 401 ( k ) account for the purpose of domestic support, and I can provide proof of this transaction. 
- {$34.00} was a refund from PayPal, issued after they ruled in my favor regarding my dispute. This refund was confirmed via an email from PayPal on XX/XX/XXXX, which prompted me to log in and discover the limitation on my account. How are they able to approve one of three transactions as unauthorized while the other two was authorized despite the fact that all three transactions look similar to each other. I didn't make these transactions, I would like to know where these funds got deposited to.

- The remaining {$66.00} is the balance of winnings from a sweepstake, for which I also have proof of the transaction.
Product: Money transfer, virtual currency, or money service

I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban.
Product: Debt collection

Called my father in-law and falsely stated that I used him as a reference, which I have never done in my life. Called my employer and harasses me constantly.
Product: Debt collection

I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company