23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I sent money through XXXX which is linked to my debit card to a seller of a XXXX. I met this seller online through XXXX in a group normally used for buying/trading XXXX. I agreed to purchase a XXXX from a sellerlanc in the amount of {$160.00} total. I had a balance of about {$40.00} in my XXXX, which led me to pay {$120.00} from my bank. After waiting for a week and not receiving contact from the seller, I inquired to the group about the seller and if anyone else had issues with him. It turns out he was a scammer and other people had also been sold the same XXXX and not received anything and essentially, lost their money. I then turned to wells fargo to get them to request the money from XXXX and thus the sellers account. Twice I was denied their help after being told that I authorized the payment on my behalf. I explained that I did authorize the payment, but received no monetary value from the transaction, which would be covered in their ACH complaints form. I was no longer being contacted by wells fargo after being able to provide proof of the seller scamming myself and others.
Product: Credit card

I noticed that a credit card payment to Citi Bank in the amount of {$6300.00} was made on XX/XX/year>. I called the bank 's rep that this must have been done in error as I never intended to pay off the whole outstanding balance but only the minimum payment due. The rep told me that there was a XXXX float, and the funds will be returned back to me on XX/XX/year>. On XX/XX/year> when I called, they told me that I had to wait for 7 to 10 business days for the amount to be approved by their finance dept and have the funds returned back to me checking account. I asked for a supervisor, and he told me that a rep had sent the whole amount for approval, but it was denied because the rep did not deduct the minimum balance due. I asked him why should I suffer because of their rep 's mistake? 
He told me to wait for 3 business days and the funds will be refunded back to my account after the minimum payment had been deducted. on XX/XX/year> which was the 4th business day after i spoke with the supervisor the funds have not yet been returned when I checked my online banking. I called on XX/XX/year> and I asked to speak to a supervisor, he assured me that XX/XX/year> was the day the refund will process overnight, and he will call me on XX/XX/year> at XXXX EST to confirm when the funds will be refunded back to me. He did not call me so on XX/XX/year> I called and requested to speak to a supervisor her name was XXXX and she told me she will get back to the supervisor that promised to call me, the supervisor say they my refund is still pending approval from their Finance Dept. I asked to speak with someone, and the Rep told me that they don't have access to Reps in Finance. XXXX told me that it will take an additional 3 to 5 business days to get it approved and 7 to 10 business days after approval to have it back to my account. This has caused me a lot of financial stress as I have to pay my mortgage and bills which are still pending due to the hold up of my funds. 
This will affect my credit and cause my house hole emotional distress as my checking account was wiped clean by this incident. 
I believe Citi bank does not care about their client distress they are still holding to my funds despite several calls and telling me it's their policy. I believe XXXX XXXX XXXXtates that we should only hold electronic transfer for only 1 day and should be available the next business day. Why is Citi not adhering to this rule.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX  XXXX .... Balance : {$5300.00}
Product: Debt collection

On XX/XX/2023, I demanded that PORTFOLIO RECOVERY ASSOCIATES LLC comply with 15 U.S. Code 1692g. On XX/XX/2023, XXXX responded, stating, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' It is my right under 15 U.S. Code 1692g to receive all information within 30 days pertaining to this alleged account. 

On XX/XX/2023, I received a letter that I find to be laughable, claiming the completion of their investigation with a hearsay document that appears to be produced in XXXX XXXX. It is worth noting that PRA sent this hearsay letter was produced 55 days after i demanded full verification on this alleged account, and it took 67 days for the hearsay document to reach me. This information will be provided within the portal. Additionally, I have lodged a complaint with the Tennessee State Collection Board with the warning, and this information will also be shared. 

Portfolio Recovery Associates , LLC has gone even further with their unlawful practices by reporting on my personal credit reports without following 15 U.S. Code 1692g. I demand that PRA provide proof that they have complied with 15 U.S. Code 1681s2 ( 7 ) ( A ). They have failed to prove any claims on this alleged debt, and I have never entered into any agreement with this alleged debt. Nor will I do business with any company without my consent.

Furthermore, I demand that PRA takes all necessary steps to remove all inaccurate and damaging information from my credit reports, close all collection activity related to this alleged account, and close my file within their offices. Any further delay or noncompliance on their part will be considered an intentional disregard of the law and my rights as a consumer.

In the event that PRA fails to comply with these demands within 15 days, I will pursue legal action against them to seek redress for the damages caused to me and to hold them accountable for their repeated and intentional violations of the Fair Debt Collection Practices Act ( FDCPA ) and the law.

I demand that Portfolio Recovery Associates , LLC takes this matter seriously and takes immediate action to rectify the situation. Failure to respond or comply with these demands will be deemed an admission of guilt and will result in more severe consequences. I reserve the right to pursue all available legal remedies to enforce my demands and to seek damages as appropriate under 15 U.S. Code 1692k and through the courts.

To conclude, I want to emphasize that I will not cease my efforts until the truth comes to light regarding the questionable practices of your company. I will not pay a single penny, especially for something that is not owed.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX See Important Information Enclosed XXXX Subject : Dispute of Debt for Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this message finds you well. 
I am writing to formally dispute the debt referenced in your notice dated XX/XX/2025, regarding the alleged debt of {$1600.00} associated with my account number XXXX. I want to clarify that this debt does not belong to me. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide the following : XXXX. Documentation proving that this debt is attributed to me. 
XXXX. Validation of the debt, including the original signed agreement or any other evidence of my obligation. 
XXXX. Confirmation that this debt has been validly transferred to XXXX XXXX XXXX. 
I request that all collection activities be paused until I receive proper validation of this debt. Moreover, please update your records to reflect that I am disputing this claim. If this debt has been reported to any credit bureaus, it is imperative that they are informed of my dispute, as mandated by the law. 
For all future communications, I would appreciate it if you could communicate in writing and direct correspondence to the address noted above. 
Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
Product: Mortgage

I am trying to payoff my loan. I have made two attempts. Both attempts they are rejecting my payoff. This is causing hardship on purchasing my next home.
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  Balance Owed : {$4700.00}.
Product: Debt collection

I have recently been made aware of Harvest Strategy Group 's attempts to contact me and I want to make it unequivocally clear that I do not have any existing agreement, contract, or business relationship with HARVEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Product: Debt or credit management

Took fee upfront without providing service they promised. 
I waited a month for the Level One Law to help me settle my credit cards, and they did nothing to help. I just got into more debt because I paid over {$5000.00} in fees to later have my credit score go 500s, going to court. The best option they gave me was to get out of the program and deal with the debt collection myself.
Product: Credit reporting or other personal consumer reports

Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

XXXX finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

TransUnion finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXX XXXX XXXX attachment is before the reinvestigationXXXX XXXX XXXX XXXX attachment is after the reinvestigation**
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT AFFIRM INC XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : Open Monthly Payment : {$110.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} No. of Months ( terms ) : XXXX High Credit : {$4100.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 




15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Checking or savings account

On XXXX I had a XXXX take me to a bar in XXXX, AZ. I went to the location suggested by my driver. It turns out it was a XXXX XXXX operated by XXXX XXXX and they run a very rough and poorly rated operation. XXXX  reviews show hundreds of similar complaints to mine and the XXXX  rating is a XXXX for the bar. As soon as I walked in I was taken to a back room and basically forced to give my debit card and all my cash ( {$200.00} ). They did this in a very threatening way. The club was pitch black and I was there for 5 min. I wanted Out of there and I escaped. I contacted chime bank the next day and they told me how to file a dispute. I felt then as I do now that it shouldnt be a dispute but rather a theft claim. They said it would take no longer than 90 days to investigate and clear and refund me the money however its been longer than 90 days. When you called and no one can help you they open a Ticket with their investigation team with you no one can contact on XXXX XXXX because supposedly takes three days and still no response. I contacted them today they cant see why The investigation team didnt respond in the three days theyre allowed so they are adding another three days. Its a joke.
Product: Payday loan, title loan, personal loan, or advance loan

My bank account was compromised and it was frozen on XXXX I called time finance on XX/XX/XXXX when my payment was due to explain the situation and that I wasn't trying to not pay the loan.. all the employees and the manager XXXX were extremely HOSTILE and RUDE and hung up on me multiple times. I wanted to see if I could make a double payment the next month. The manager XXXX XXXX  response was she was going to sue me and hung up.
Product: Student loan

FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fourth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to my last CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of my last complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. I called them about making a payment, and they said I could still mail in a check with a note while my loans were in deferment. So I mailed a check on XX/XX/XXXX with a note to apply the payment according to my standing instructions. Instead of applying {$5.00} to the entirety of the outstanding interest on all the loans and then applying the rest of the payment to the principal of the loan with the highest interest rate and lowest balance ( Loan Sequence 3 at 4.66 % ), they applied the entire payment to only 2 loans : Loan Sequence 4 at 4.29 % and Loan Sequence 1 at 3.86 % It looks like FedLoan Servicing ( PHEAA ) may have incorrectly been using  the temporary interest rate of 0.00 % instead of using the actual interest rates on my loans when they applied this payment to the loan principal, and they didn't apply they payment against the entirety of the outstanding interest before applying money to the principal, as they state they do. 

I have attached 3 documents : the instructions I sent with my payment on XX/XX/XXXX, my account history from XX/XX/XXXX showing outstanding interest of {$5.00}, and the XX/XX/XXXX payment history details for my XX/XX/XXXX payment.
Product: Money transfer, virtual currency, or money service

Soo my PayPal account has been permanently limited and it has funds on it. The funds that PayPal limit was gon na be used for bills due to COVID-19
Product: Checking or savings account

On XX/XX/year> I went to a Bank of America and deposited a {$450.00} check from the New Jersey XXXX XXXX credit along with {$460.00} in cash. The check was placed on hold and set to clear on XX/XX/year>. The following week I noticed that the check did not clear and I contacted customer service at Bank of America about 3 times that weeks and spoke with XXXX different managers who recognized that the check was taken off hold twice then placed back on hold, then the funds for the check was missing. The second manager directed an agent at the bank whom she supervised to place a {$450.00} credit on my account for the deposited check. On or about XX/XX/year> the funds for the {$450.00} was taken back out of my checking account. I then went into a branch in which it was also recognized that the {$450.00} check from the State of New Jersey shown posted, but the funds were missing. The representative at the branch contacted the investigations department with Bank of America and he stated that the {$450.00} check was missing when the checks were removed from the atm and was directed to fax a copy of the check and write a note to reconsider placing the {$450.00} back into my checking account. This transaction was disputed XXXX XXXX XXXX after the incident began and it caused issues with accounts I made payments on with my checking account. I asked to have my account researched for that time and to properly add and subtract the amounts including the {$450.00} and all I am being told that the check posted but not cashed. I am asking for assistance in this matter. Thank you.
Product: Debt collection

Ive received a letter in the mail pertaining to a XXXX  debt in which Im not responsible for .. the debt belongs to the person whos credit card or whatever payment method they used to put on file when they obtained the vehicle the only thing I did was put my drivers license down so they could obtain the vehicle and had I known they werent going to pay I would have never put my name on the line the debt of which they owe does not belong to me please contact them pertaining to this matter.