23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?
Product: Checking or savings account

XX/XX/XXXX XXXX they charged me {$15.00} without my permission for maintenance fee.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Product: Money transfer, virtual currency, or money service

Received notice from Paypal that my account was limited permanently for violating terms of use, however I never violated any of the terms and they won't tell me what term they think was violated. Account has {$7700.00} that they are holding for 180 days. Called XX/XX/21 to ask for clarification was told that nobody can tell me why it was limited, but no other option than to wait 180 days. 

I recently stopped using Paypal because XXXX moved me over to managed payment. My guess is that I was flagged for keeping a higher balance and that they are holding my money to collect interest knowing that I am no longer collecting money through their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on credit reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I first noticed my identity was stolen in 2019 when I started receiving mail and phone calls for from various companies claiming that I owe them money, I have never really been big on my credit and haven't ever really paid attention to it until now because I am becoming older would like to have great credit I cant because all the negative accounts some thief left me with. This whole ordeal has been a nightmare. I have filed police reports with my local police department, I have also contacted all parties involved with no help from anyone no one seems to care. I have even contacted the different credit reporting agencies ( IE ) Equifax, XXXX, and XXXX to no avail. These thieves have XXXX  of dollars worth of debt in my name attached to my credit reports, I would love to have all responsible parties involved to be held accountable. and for the credit reporting agencies to delete all the negative accounts and collections from my report so this nightmare can over. The negative accounts include XXXX for XXXX, XXXX   for XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX and XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX  for XXXX, XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX, US Department of Ed for numerous amounts. The list goes on I will attach separate documents with my complaint.
Product: Mortgage

I wanted to sell my property.The title insurance company located an old mortgage recording that I do not have any recollection of that loan. I contacted the local bank XX/XX/XXXX, the bank manager XXXX XXXX, forwarded the request and information on to corporate office. I have stopped and called over the following weeks and no information was available from XXXX XXXX, the corporate office has not called or communicated in any way. I contacted the XXXX  of Michigan and their reply is enclosed with this complaint, they directed me to this website. 
I have talked with a real estate broker. He thinks that the 'loan ' was probably never used or had a XXXX balance and since it was dated in XXXX that the bank has misplaced the paperwork. Since the date on the Future Advance mortgage is XXXX, the XXXX XXXX was sold to the Huntington Bank, which could have contributed to the loss of paperwork. I am XXXX XXXX XXXX and do not remember any details about this Future Advance mortgage. I am requesting a discharge of the mortgage XXXX that is recorded on my property so that I can go ahead and sell it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the third time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. 

It is perplexing and deeply concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 

Given this is my third attempt to rectify this matter, I demand an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The above law firm representing Midland negotiated a settlement with me on a debt obligation being reported to the three credit bureaus as derogatory/delinquent unpaid. 
I agreed to settle with a payment of {$500.00} in XX/XX/2018 in exchange for Midland removing all derogatory reporting to the credit bureaus and listing the account closed/settled. Instead, the took my payment as a " partial '' and list the account as derogatory with unpaid balance of {$410.00}. 
I am senior XXXX ( SSI ) and had the right to have the entire debt retired under federal law but decided to be responsible and hoped Midland was equally honorable and would adhere to the agreement reached via their legal representative. I am attaching a letter from the legal firm confirming this settlement we agreed to and also have a full thread of e-mails proving how this settlement was reached.
Product: Checking or savings account

I received a PayPal debit card at my address with my name on the card. 
I did not request a debit card, I called PayPal to check on this. PayPal said that my SSN and address was used to open another PayPal account with same name and different email address and phone number. 
I confirmed my identity and asked PayPal that the new account is a fraud, I asked PayPal to send me receipt of acknowledgement that I have reported this and they are working on it. 
PayPal refused to provide me any acknowledgement that I reported something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX Veteran was in XXXX treatment and told the loan company XXXX XXXX XXXX i would send payment later. 

THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXXXXXX XXXX : Trafficking Block Request [ Your Account Number ( if known ) ] ** Dear Sir or Madam, I am writing to formally notify you that I am a victim of human trafficking, and as a result, several items on my credit report are fraudulent and not attributable to me. The information listed below has been placed on my credit report without my consent and is directly connected to the trafficking situation I endured. 

**Items to be Blocked : ** XXXX. **Account Name : ** XXXX XXXX Vt Account number XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$510.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX. XXXX Date XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX **Account Number XXXX Date opened XX/XX/XXXX XXXX {$1500.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : XXXX XXXX  XXXX **Account XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX / XXXX XXXX XXXX XXXX **Account Number. XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Date opened XX/XX/XXXX Balance {$130.00} Legal Basis for Request : ** Under the Fair Credit Reporting Act ( FCRA ), Section 605C, consumer reporting agencies are required to block information on a credit report that is the result of trafficking. The FCRA mandates that this information must be blocked within four business days of receiving a request from the consumer, provided that the request includes appropriate documentation. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices. Given that the debts in question were incurred as a result of trafficking, continued attempts to collect these debts would constitute a violation of the FDCPA.

The Truth in Lending Act ( TILA ) also provides protections for consumers against unauthorized charges. Under TILA, any charges that were incurred without my consent as a direct result of trafficking are considered unauthorized and should not be reported on my credit file.

**Requested Action : ** In accordance with these laws, I am requesting that the aforementioned items be blocked from my credit report immediately. Enclosed with this letter, you will find the necessary documentation to substantiate my claim :
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$2000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

This collection agency has attempted to collect a debt for a goods I never received. I have tried on multiple occasions to resolve this issue with the collection agency and have reached out to the Nebraska Attorney General. I have recently moved to Wisconsin and when I contacted their Attorney General to get assistance with this invalid debt it was brought to my attention that they are not licensed to collect debt in my new state of residency.
Product: Credit reporting or other personal consumer reports

There has been XXXX fraudluent account that have been added to my consumer report which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started the process of a short sale with PNC bank to avoid foreclosure. Being the co-borrower is deceased, I no longer can afford the mortgage. I started the process in XX/XX/2019 and submitted all required documents. As of the XX/XX/2019 the bank informed me and my attorney that they had the file and were missing a few documents which we submitted. 

After five business days of reviewing my file my attorney was informed by the bank that I had exhausted all my loss mitigation options. This makes no sense. We are trying to short sale the property to avoid a foreclosure and help save property values in the neighborhood. PNC is forcing me into foreclosure. 
I owe about $ 46k and we have a market value offer for $ XXXX which the bank is reviewing. 

Please help me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  NA XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX : {$320.00} XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit card or prepaid card

I purchased rings at Zales and spent over XXXX, which was fine. When I applied for the credit the card machine/screen was down so you could not read the agreement. I let the customer service rep know, to which she gave me two options. A fixed amount of interest for the entirety of the loan or 18 months free interest. After the 18 months the interest would start on the remaining balance. The balance after 18 months was XXXX I made large payments every month on time every month. I had the account on auto pay and made double the minimum amount. I can provide statements of these payments, I am very conscious about my credit and take it seriously. 

On the 19th month I received a statement stating my balance was now over XXXX. I called Zales right away and notified them there was a billing error. At this time they let me know the " agreement I signed '' stated 18 months is true but only if the entirety of the XXXX was paid in 18 months. If NOT the interest would be added as if the promotion never existed. I was unable to read this or a get a copy of such agreement since the machine was down and the customer service representative lied about this. Had I known this was the agreement I wouldn't have signed because its nearly impossible for someone to pay nearly XXXX in such a short period. 

They charged me over XXXX in interest. I have called Comenity Bank several times throughout the year trying to get the issue fixed I have also wrote several letters. I am more than willing to pay the remaining balance of what is rightfully owed to them, which was XXXX before the billing issue and I am willing to pay interest on the remaining balance because that is what I agreed too. 

I contacted the XXXX a month ago and the company has now reimbursed me XXXX which I am grateful for but is still incorrect. My new balance is now XXXX which is incorrect. I am asking the company to do the right thing which should have been done from the beginning. I would like to pay the remaining balance of what was owed before the issue. I would also appreciate it if they contacted the credit agencies and remove the negative marks I am now facing due their poor customer service and incorrect information they are reporting. I have never been late on ANY payments ( ie : mortgage, cars, credit cards all of them are on autopay. ) I have recently made a payment to Zales even though the amount is still incorrect as good faith showing I am trying to do the right thing. I have also reinstated the auto pay I would just really appreciate it if they did the right thing. I feel as though they are practicing unfair and misleading credit practices in order to get sales and commission. 

Thank you for your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$45.00} on XXXX went to the wrong person ( complete stranger ). On XX/XX/XXXX the bank was contacted to send the money to the correct person the phone number was one digit off. The bank said it would take 10 days to correct but never corrected it. Now XX/XX/XXXX they are saying they can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing XXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my XXXX, TransUnion and XXXX credit reports asap!