23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TD auto finance recorded a 30 day late charge on my credit report. I spent countless hours on the phone with account managers who assured that the delinquent request would be removed. The account has always been in good standing. There was a miscommunication with payment rep on the payment made in XXXX and further payments made. The td reps are inexperienced and have a large language barrier. I was assured my future payments would not be impacted. 
I pride myself on my credit and this miss communication on TD end has greatly negatively impacted. 
Thank you
Product: Credit card

I attempted to purchase a mobile text gift card through XXXX with my paypal account. The payment did not authorize but it still came out of my Paypal account as a pending transaction. I called XXXX and XXXX told me to contact PayPal. Paypal then told me to call XXXX and tell them to void the transaction because it 's not authorized. PayPal stated they wo n't give me my money back for 30 days. I 've filed several complaints about purchases I have not received or that was not authorized and they wo n't give me my money back. For once I would like my money back after I complain about not receiving an item. The invoice number is XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I am XXXX XXXX XXXX and I was the victim of a phone credit card scam by a company called Freedom Financial Services ( or US Debt Validation Finance Solutions, they switched back and forth during the call ). They called me on XX/XX/XXXX and claimed that someone had opened a XXXX checking account in my name. The man on the phone then supposedly " cleared '' the fraudulent charge before transferring me to a different " department '' where a lady named XXXX XXXX ( XXXX ) tried to convince me to charge {$15000.00} to three of my credit cards. 

She said that as soon as I had consented to let them charge my cards, her law firm would negotiate with my creditors to reduce my debt between 60 and 100 percent ; I would just have to let them close my existing credit card accounts and issue me different credit card of their choosing. They read me my social security number over the phone along with the last four digits of the three credit cards and their current balances but insisted I tell them the full credit card number, the CVV code on the back and other personal financial information. Thank goodness my sons came home when they did and stepped in or I would have lost thousands! I still had to cancel the three cards and will need to monitor my accounts for the next few months. 

Watch out for Freedom Financial Services, they are untrustworthy and take advantage of the elderly.
Product: Checking or savings account

Upon information and belief, on or about the XXXX day of XX/XX/XXXX there was a Chase Fraud Protection placed on one of my accounts for the amount of {$4000.00}. These funds were spent at a XXXX XXXX XXXX in XXXX  XXXX, Oklahoma. On the XXXX day of XX/XX/XXXX, a transaction of {$32.00} was spent at XXXX XXXX XXXX XXXX. Upon my release from XXXX  in XXXX, I noticed all these transactions that were in my email. At that moment I started contacting Chase Bank XXXX XXXX, the first person who worked my case did not proceed by the handbook, later I was assigned case number XXXX and was told XXXX who XXXX for the XXXX would be working my case. After not hearing back from the executive office, I decided to contact them back, that's when I was informed to go into a branch and complete a Declaration of Lost, Stolen, Or Destroyed Cashier 's Check. As instructed, I went into a branch where I came in contact with XXXX XXXX XXXX who processed all my documents. XXXX of the declarations were for {$18000.00} and the other was for {$27.00}. After me and XXXX XXXX XXXX spoke with the XXXX XXXX we were told to fax the documents over to XXXX. After the forms were sent and accepted by the XXXX XXXX, we were told I would receive my funds in XXXX hours to the checking account that was newly opened. After I didn't receive the funds as told I went back to see XXXX XXXX a XXXX XXXX and informed her that the funds hasn't come into my account. We then called the XXXX XXXX and asked what happened to me receiving my funds in XXXX hours. We were not given a verbal reason the funds were not placed into my account. There were XXXX { XXXX } XXXX Cashier Checks sent out to an XXXX  address by JP Morgan Chase Bank that were never cashed and sent back to JP Morgan Chase Bank. There were various accounts that I held at JP Morgan Chase Bank that I have been refused access to. This matter has been going on now for XXXX { XXXX } years and yet has it been resolved by JP Morgan Chase Bank. I have been told on numerous occasions to open a new bank account, and the funds would be placed into my account, no funds have been placed in either account I held at JP Morgan Chase Bank.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transcation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that thi
s information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Erroneous Accounts :
Product: Payday loan, title loan, personal loan, or advance loan

The original credito ME is the one thats extending the credit thats creating the debt. 15 USC 1692a ( 4 ) Pursuant to 12 USC 83 banks can't actually loan money ( their own stock ) Pursuant to 12 USC 1431 the role of the bank is not to extend credit, nor loans! Credit is designed to remove obligations and a natural person. is supposed to live free! This is Law.
Product: Checking or savings account

Hello, my name is XXXX XXXX. Im writing to report that my PNC debit card and phone were stolen after my car was broken into at a local XXXX near my home. My car was parked at the back of the store, where unfortunately there was no security camera coverage. 



The thieves were able to make XXXX unauthorized transactions on my debit card : {$460.00} and {$170.00}, both from XXXX, totaling {$630.00}. 



I had only stepped inside briefly to pick up my medication, but when I returned, I found my car window smashed, and my belongings, including my debit card and phone, were gone. Because the thieves had access to my phone, I had to visit my phone provider to purchase a new phone and SIM card to retain my phone number. 



As a college student, I can not afford to lose access to these critical funds. I would greatly appreciate any assistance you can provide in resolving this issue as soon as possible. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My Current Mailing Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX SC XXXX
Product: Debt collection

we cant pay this money it is for his XXXX  we have paid when we had it but we are XXXX behind cam we get help with are XXXX XXXX debit XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have formally requested that XXXX  XXXX XXXX  XXXX validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

DPT EDXXXX {$30000.00} FORD MOTORS CR {$9600.00} XXXX  {$160.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$770.00}
Product: Checking or savings account

My husband passed away XX/XX/year>. XXXX months later I was hospitalized in critical care. When I went to Wells Fargo to close his account, the person helping me was very rude and critical... stating " it has been XXXX months since he died and you are just now coming here '' ... .I had death certificate, marriage certificate ( since it was second for us both ) and court order. My name was not on his account but I had all documentation to permit closing. The lady was extremely rude and after more than an hour, refused to close since I did not have a 'letter of testimentary '' ... .which my attorney said I did not need as there was no financial or property inheritance. It cost {$400.00} for attorney to obtain court order which named Wells Fargo account. Mind you, this account only has {$200.00} which is a balance remaining of my two deposits totaling {$5000.00} after he died. The reason, his pension was returned upon his death. To keep everything legal since we shared expenses, and he had automatic drafts, I covered his account for XXXX months with my deposits. He also has a security box and they will not allow me to open to check whatever may be in there and then close out. This lady snapped at me and said, I'm freezing this account until you get back here with letter of testimentary! I spoke with my attorney and she said never has she heard of anyone refusing to obey a court order and I do not require letter of testimentary for anything. He had accounts with other banks and there was absolutely no problem in closing with documents I have. Wells Fargo has copies of all these on file as I went to another branch and even though that employee was nicer was not permitted to let me close account or security box. This has been a terrible amount of stress along with the death and grieving and is totally unnecessary over such a small amount of money. Please help me resolve this as I am an XXXX XXXX XXXX widow and have been trying to close this for XXXX years. No one should be treated the way I was at the bank where I have banked for many years even before it was Wells Fargo. I've also tried to file this with CFPB previously but could find no indication that it went through.
Product: Debt collection

Prior to and on XX/XX/year> then afterward I would received numerous threatening calls from Cavalry SPV I LLC by someone claiming to be them from unknown numbers. I was finally able to hear the individual person claiming to be from Cavalry on XX/XX/year> in which I had to look up their address myself. I then sent off a debt validation letter to their address on the same day, but I never received a response back but only to continue to receives those unwanted threatening calls to the point I lost the count. On XX/XX/year> I had discovered that there was a lawsuit that was filed against me on XX/XX/year> with the State of Maryland case number XXXX in which they had 30 days to responses to my request but they did not but less than 30 days hired a lawyer by the name of XXXX XXXX XXXX to act on their behalf without any acknowledgement of my letter that was less than my 30 days.. So on XX/XX/year> I filed with the court a XXXX ( Motion to Remove ) asking for a Dismissal With Prejudice plus I am mailing off to both of them a copy of my request on XX/XX/year> a copy of my request that has the court doing an acknowledgement. Their addresses are XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GLOBAL LENDING SERVICES IS VIOLATING THE FCRA, AND MY RIGHT TO PRIVACY
Product: Mortgage

US bank keeps giving this XXXX veteran the runaround on my FULL and complete tax escrow refund immediately!! I DO NOT owe property taxes in XXXX XXXX any longer because I'm a XXXX veteran. Therefore I DEMAND IMMEDIATELY a full and complete refund of my FULL tax escrow deposit from closing and ALL tax escrow amounts to me via check immediately. US bank has written proof this is the case. ALso, I DEMAND to see an immediate reduced payment amount reflected in WRITING of around 2000 $ so that the no escow in my payment is reflected, and I DEMAND US bank correct my credit report immediately to show the REDUCED mortgage payment with NO tax escrow on ALL THREE credit bureaus immediately. US bank has been dragging their feet on this for a month and a half. I ALSO REQUEST AND DEMAND WHY US BANK HAS INCREASED MY MORTGAGE AMOUNT ON MY CREDIT REPORT ABOVE WHAT THEY ARE SHOWING, XXXX XXXX, AS THIS IS ERRONEOUS AND US BANK COULD NOT GIVE ME A SATISFACTORY ANSWER.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. 
These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: Student loan

In XX/XX/XXXX I sent a request for validation of debt to weltman, weinberg, and reis. XX/XX/XXXX I received a packet with a letter and copies of some payments. The letter says XXXX XXXX XXXX sold my loan to regents bank and then to XXXX XXXX XXXX. I see nowhere as to why weltman, weinberg, and reis afe attempting to collect this debt. I never received a notice my loan has been sold  not just once but twice. There is no documentation that shows when the loan was sold nor documentation as to the current collector is legally allowed to accept my payments and apply them to my account. Weltman, weinberg, and reis did not provide complete and accurate information on any of the requested  information. College student loan, regents bank nor XXXX XXXX  has ever notified me of any changes of any kind. No documentation shows my signature. This loan shows a disbursement date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from XXXX. XXXX XXXX of the XXXX Police Department regarding me being a victim of identity theft and XXXX apprehending the suspect who had counterfeit identification cards in their hands, one of which had my name and information on it. XXXX XXXX, the suspect, has been circulating since XXXX, taking people 's personal information by sending mail to other locations to get loans, vehicle loans, medical treatment, and housing. XXXX XXXX, the suspect, is presently being jailed on a {$100000.00} bail for mail fraud and other counts, and I have also charged him with identity theft.
Product: Money transfer, virtual currency, or money service

I spoke with a crypto.com representative about my inability to recieve my card I applied for and provided the proper documents and never heard anything back from your company..at the time I was in the process of moving and used my business address, I also sent the proper documents..now im at my new location and still have not received my XXXX XXXX card. My name is XXXX XXXX and my new address is XXXX XXXX XXXX XXXX CA.XXXX. Please fix my issues..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated according to my studies of the fcra. I have been disputing with transunion, XXXX and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation
Product: Debt collection

These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX  but the XXXX  part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.
Product: Checking or savings account

In mid-XXXX  this year, I updated the location for receiving my XXXX  XXXX compensation payments, set to begin on XX/XX/XXXX. Unfortunately, I mistakenly provided the wrong account number, and as a result, no deposit was made into my account on XX/XX/XXXX. 

Although the error was quickly identified, and we knew where the deposit went, where it belonged, and who it belonged to, I am still without the deposit for that month a half a year later. There has been extensive back and forth between the credit union, the VA, and the Treasury Department, with requests for various forms from all sides. I have made over 120 phone calls to resolve this issue. 

On XX/XX/XXXX, the Treasury received one of the tracers back, and the credit union 's response was, there were no funds available to return and that you have received the funds that were in that account. This response seems inadequate, as it leaves many questions unanswered. 

I am seeking guidance and enough information to make an informed decision on my options moving forward. I appreciate your assistance and look forward to your response.