23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint to request validation of the debt associated with the account numbers listed on my XXXX account 1. Midland credit management-XXXX I have no knowledge of these collections accounts and would like to verify its legitimate. Please provide me with the details of the debt, including the original creditors name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practice act, I have the right to request this information. Until I receive the requested validation, I ask that CFPB you take action to ensure they cease all collection activities regarding the accounts.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I would like to emphasize my belief that this limitation may have been imposed in error. I have always strived to abide by PayPal 's policies and guidelines diligently, ensuring that my account activities remain in compliance. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

In light of the above, I kindly request that PayPal conducts a thorough review of my case. I understand that errors can occur, and I am hopeful that upon re-examination, you will find that my account should not have been permanently limited.

I kindly ask for the opportunity to provide any additional information or documentation necessary to support this appeal. My goal is to resolve this issue amicably and regain access to my PayPal account.

I genuinely value the services provided by PayPal and have always considered it a reliable platform for my financial transactions. It is my hope that we can work together to rectify this situation promptly.

Thank you for your attention to this matter. I eagerly await your response and any instructions or steps required from my end to assist with the investigation.
Product: Credit card

Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit cards were taken out under my name totaling XXXX dollars. One is from Home Depot/CBNA and the other with Best Buy/CBNA. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX XXXX XXXX has credited my account for these transactions.
Product: Checking or savings account

I have two accounts with XXXX XXXX XXXX XXXX XXXX. a XXXX account, and a XXXX College savings account. Well i deposited money in both of the accounts. had a balance of {$220.00} in my XXXX account and {$790.00} in my college savings account. then the bank locked both accounts and said they were under review. this is last year back in XXXX and XXXX when i no longer had access to my funds. I opened the account on line and work seven days a week so I'm unable to make it to the back before it closes. 
they stated that i will need to come in to the bank to unlock my account. i told them im not going to have the time and to just close my account and send me my money. they stated that would not happen, that they would just keep my money
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed 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 XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Capital one. I authorized capital one to take XXXX XXXX from my checking in XXXX. After paying my credit card in full and closing my account with capital one, I noticed they are still taking {$100.00}. Each month from my checking. I tried contacting them and stopping them from taking money from my account but they did not. I had to close my checking account so they stop taking money. 14 months and {$1400.00} was taken. I further investigate prior 2 years on my statement with XXXX AND CAPITAL ONE. Found that the XXXX  XXXX was not applied to my credit card and had caused late fees and interest charges added to my credit card eve though capital one was taking money out of my checking account. From XXXX capital one fraudulently took money out of my checking account in access of {$4000.00} - I have tried to get my money back from them for 2 years. XXXX provided documentation with transaction ID # to capital one to prove capital one has taken money from my checking account. Still no resolution. They open a case and close it, asking me to resubmit document. I have proof that received all document via USPS- I would like capital one to pay back the money they took from checking as well as reversing all late charges and finance charges that I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Mortgage

I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.
Product: Checking or savings account

I had fraud happen to my checking account.My money from XXXX check funds, {$520.00} was taken using XXXX XXXX. I disputed this that it wasn't me. I don't have XXXX phone, account or anything to do with XXXX. Chase gave me the {$520.00} till my dispute was done. They said it was my fault because they used my phone number. So then they wanted the money back and i didn't have it because i used it to pay bills.I lost the other half of my check so i had no money. Why would i give someone permission to take out my money. I'm XXXX XXXX XXXX. That's all i had is my XXXX. So then they said after a few attempts i made that i was to blame. So then it went to collections.
Product: Checking or savings account

On XXXX I deposited XXXX into the Bank of America ATM. The atm took my money and ejected my card. I immediately called the number on the ATM I was told the wait time was an hr and 30 mins. 

While waiting drove to a branch. Still on hold I spoke with the lady inside the BOA and she stated to call the number on the atm give them the ATM Id and they can issue me a temporary credit today until they figure out exactly whats going on. She assured me that that was the only way to solve the issue as they do not solve the issue inside the branch. 

Finally an agent answers the phone and takes my information then tells me it will take up to XXXX days to get the money. I am flabbergasted. I explain in detail this is my rent this due today and tomorrow there will be a XXXX late fee and XXXX every day there after. She says I can transfer you to a supervisor to see if they can get you credit on the card today. 

Again I wait on hold another hr and 20mins just for the phone to ring and an associate pick up and say that department is closed for the day. She then says let me see if it will allow me to escalate the claim which will still talk up to XXXX hrs to appear on my account. 

I explain the same situation to her and ask her who is going to pay My late fees she then gives me a number and tells me to call them tomorrow at XXXX and the will put my money in my account. By this time the XXXX late fee will have already occurred. 

I call the number today at XXXX and still sit on hold XXXX just to get the exact same run around I received yesterday. 

I now owe XXXX in late fees and I still have not received my rent money. All I did was put my hard earned cash inside of an atm to pay my rent on time online and now have absolutely no access to it. I have been with BOA 16 years. This is the last straw there is no way you should deposit money into your account and have it taken from you and have to wait to get it back until they feel like youre telling the truth. 

There are cameras at the atm and thats an electronic device all they have to do is look and see how much of an overage they have and give me my money, but they choose to give you the run around and keep my money.
Product: Vehicle loan or lease

Back in XXXX I went to XXXX XXXX XXXX to purchased a car. It was a white XXXX XXXX XXXX. AT first I bought it, but the problem was that the car was not on the lot. It was still in transit to the dealer and would not arrive for another XXXX weeks. So I cancel the purchased of the vehicle. They return my trade which was a XXXX XXXX XXXX white. XXXX is stating that I have a loan with them. I have email, called and incomed them that I never purchased the car. And that I went to the dealer and they do not have me in their system for a XXXX XXXX XXXX XXXX, that contract was canceled. I have explain this to XXXX but they have advised me that they wont call the dealer to confirm but yet they all work for the same company. Dealer has nothing to send to XXXX being that contract was cancelled.
Product: Debt collection

I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my personal information on file with your bureau. After reviewing my credit report, I have noticed inaccuracies in my name and address that need to be updated to reflect the correct information. 
Please update my personal details to the following : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX I have enclosed copies of the necessary documentation to verify my identity and address. These documents include : 1. A copy of a recent utility bill or bank statement showing my correct address. 
I kindly request that you investigate and update my records promptly. Please send me confirmation once these corrections have been made. If you need additional information or have questions, you may contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX  - XXXX, XXXX XXXX- XXXX, XXXX  - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX  - XXXX Incorrect Name - XXXX XXXX XXXXXXXX - Remove all incorrect personal Information Incorrect DOB - XXXX  - Remove all incorrect personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report recently and seen this company AMERASSIST AR SOLUTIONS attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actins. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XX/XX/, I submitted a dispute to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time XXXX COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX Validation of Debts- Please delete this account immediately. 

XXXX. XXXX CARD - XXXX - Under XXXX XXXX CODE XXXX Validation of Debts- Please delete this from my credit report immediately. 

XXXX. XXXX CARD - XXXX - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But Equifax, XXXX, and XXXX haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.
Product: Money transfer, virtual currency, or money service

Ive submitted multiple complaints on this company and have yet to recieve my check in which they owe! They could not validate anything and they recieved my Cease and desist which they applied to the account. That alone lets you know that this company is aware of all the consumers it keeps violating yet chooses to continue. The lawsuit they recently sued for? Theres no question why! Theyve been practicing deceptive practices for years and now Im a victim. Im trying my best to be patient and settle this outside of court with this company but I need to recieve a check within the next 25 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 
On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}. 

Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX   due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018. 
Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX  stating the status of this disputed account, was accurate and modified,
Product: Debt collection

I informed the company of having no knowledge of the debt and that it was due t ok ID theft and they refuse to stop reporting the debt on my credit report causing damage.