23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding balance with my School University of XXXX  XXXX XXXX. They sent my account to the collections agency William and Fudge. I called the agency PRIOR to my account reporting negatively to the credit bureaus. I was informed by me setting up this payment arrangement, that it would not report. However, here we are weeks later, I have been making consistent payments and in the middle of trying to buy a home, my credit has been DEDUCTED XXXX points because of this. This is very upsetting, I tried to discuss this with the collection agency, but received many vague answers. Please help me.
Product: Checking or savings account

I have {$2200.00} that is stuck in Chase for my checking account and they refuse to release it because they want a verified phone maker which doesnt make sense I work hard for my money to pay for my XXXX XXXX and without this money I am unable to do so. I already contacted Chase and made a report her before but it wasnt resolved so I am hoping for a better solution please. They say it has to do with the check for {$340.00} and I have proof and record that I did earn it on the payroll Im sure the federal also have record of it like when I file my taxes. There is no way that this is a fraud please contact XXXX if you can on your side if you can please I would like my money back and Ive been trying for over a month now going to different branches and making many calls with both Chase and XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite my evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Debt not validated within 30 days of debt validation letter being sent. Being contacted after letter stated not to if debt not verified within 30 days return receipt states date is XX/XX/XXXX letter sent in mail XXXX i recieved communication on yesterday XX/XX/XXXX which is outside of the 30 days. They made sure to put no date on the letter as they knew it was well past the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent out a formal letter informing the agency of the violations that I found on my credit report. After sending out the letters to the bureaus about the invalid information on my credit report, I still have not heard back in over 60 days! I feel like my rights are being violated and I am seeking that these incorrect items are removed immediately. I will also be seeking litigation on this matter as well if it is not resolved in a timely fashion.
Product: Money transfer, virtual currency, or money service

I was purchasing items from a merchant for clothes. The merchant stop responding and I did not receive my items. I continuously called and texted her everyday until she never texted or returned my calls.The merchant later blocked me so I could NOT contact her. I called my bank to dispute the charges letting them know I did not receive anything from the merchant and she stop responding My bank went on with the dispute and gathered information for me.Later in the investigation, they said they needed additional information which was provided. I provided them with the information and continued to tried to reach out to the merchant.I was told multiple times that this would work out in my favor and I provided enough documentation for the investigation. This investigation has been going on since XXXX. Tuesday,, they reversed the charges and told me they are not able to do anything and they can not escalate the claim. This is ridiculous because I have provided enough documentation previously for it to work in my favor and that I have enough proof. The money came off my debit card through XXXX XXXX now they are saying they are unable to help. I have been scammed out of money 3 times and the bank did NOT help after having documentation and being reassured that I will win my case. I also have documentation of everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Prepaid card

on XX/XX/year> i tried to use my gift card online after i checked my balance to make sure i had enough money. when i go to check it it says that the card issuer refused my transaction even when the amount was lower than what i had left on the card. I had purchased items using the card before and on the same website with no problem but now its not working on any site when i have {$130.00} left. This is an American Express gift card. the customer service is awful with a bot so you cant get much out of it especially when its a problem like mine.
Product: Credit reporting or other personal consumer reports

I submitted to all XXXX, Equifax and XXXX the same letter regarding the law. The letter that I sent expressed the misuse of my information through the fair debt collections practices act 15 USC 1692g violations. The woman on the phone for Equifax, a supervisor name " XXXX '' said " the law doesn't matter and whatever a company sends them they have to report to my profile. I'm very confused as to why they do not respect the law. What should I do now? Nothing has been changed.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Affirm due to repeated system errors that have caused significant stress and frustration. Affirm provided notifications stating that I could split payments for multiple transactions, but later rescinded these offers, claiming they were the result of a system error. This explanation has now been retroactively applied to prior claims I made about similar issues, indicating a recurring and systemic problem. 

How Affirm Can Resolve the Issue : XXXX. Provide a clear and transparent explanation of the system errors that have occurred and how they impacted my transactions. 

XXXX. Acknowledge the stress caused by these repeated errors and take accountability for their failure to uphold consistent service. 

XXXX. Implement system improvements and safeguards to ensure such errors do not continue to impact customers.

These ongoing errors have undermined my trust in Affirms services, and I expect a meaningful resolution to restore confidence in their platform.

Thank you for addressing this matter.

Unfortunately, I can not attach documentation to this complaint as it contains personal information. However, I have provided the CFPB with the relevant case number, and Affirm can supply the necessary communications and records to assist with your investigation. 

Case ID Number : XXXX This case was opened on XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery keeps calling my cell phone several times a day through the week. I have called them back and spoke to them about recently having a XXXX XXXX Bankruptcy Discharge. The person told me she could see it and said he would talk to her manager about taking me off the call list. That was about a month ago and I still get repeated phone calls several times a week and throughout the day.

The debt was when I was around XXXX  years of age and I am now XXXX  years old. The statue of limitations in the State of Oregon where I am a resident is 6 years on collecting a debt. 

The company needs to cease and desist from contacting me once they receive this complaint.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Permanent Account Restriction Dear PayPal, I am writing to express my extreme disappointment and frustration with the permanent restriction that has been placed on my PayPal account. On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX, I received notification that my account had been temporarily restricted. I immediately provided the requested information in order to have the limitation lifted, and on Friday, XX/XX/XXXX at XXXX XXXX, I received an email stating that my account had been partially restored. However, upon checking my account, I was disappointed to find that it had been permanently limited. 

As a user of PayPal, I am entitled to certain rights and protections under United States financial regulatory laws, including the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Billing Act ( FCBA ). These laws require that financial institutions like PayPal provide customers with a clear explanation of any account restrictions, and an opportunity to dispute or appeal such restrictions. In this case, I have not received a clear explanation for the permanent restriction on my account, and I have not been given an opportunity to dispute or appeal the decision.

I am requesting that PayPal take immediate action to remove the permanent restriction from my account, and to provide me with a clear explanation for the restriction. I also request that PayPal ensure that all necessary steps are taken to comply with US financial regulatory laws, including the EFTA and FCBA.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Student loan

I have reached out multiple times to get information about my loans through FedLoan. I am accepted to the PSLF program, but havent received ANY communication regarding if any of my loan payments that were previously on a wrong plan will count. I have called and emailed FedLoan to ask more specifics about what I should be doing and if everything I have done so far is in line with what I need to do to get my loan payments accepted under the plan. When I did get in touch with someone, they wouldnt say one way or the other if I am doing the right thing. They told me information I already knew, that I was accepted to PSLF ( which was prior to the waiver ), but could not tell me if they had everything they needed from me or what I should do to get this information. Getting in touch with someone is near impossible. After emailing the address listed on their website it took 2 months for them to reply and they didnt answer any questions that I had, still leaving me in the dark as to if I have done the right things to do for this waiver. Other times I have called and nobody has answered and when I tried their chat option on the website, it says it is unavailable. I do not want to miss out on this opportunity to have payments accepted under this plan, but I have no clarity if I am doing anything right. Many people on PSLF are waiting on this determination to move forward with their careers and lives, but we have no clarity if we are doing the right things to get this forgiveness leaving us in a very confusing situation that could cost many of us THOUSANDS.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries was done without my permission or consent please remove all from my credit report.

Fraudulent Accounts XXXX XXXX {$44000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

I sent the notice of Lien Withdrawal to all XXXX credit bureaus. XXXX and XXXX promptly removed the public report promptly. Transunion mailed me a letter that stated that the item was verified and would not be removed. I then sent another request and recieved the same response. I would like the credit bureau to report accurate information and remove this vacated lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I paid Chase in cash the full amount of an account that was previously charged off. Chase alleged it notified XXXX of the same on XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XXXX XXXX XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XXXX XXXX XXXX ( XXXX ) - I filed an online dispute with XXXX  providing proof of payment, as instructed by XXXX. XXXX XXXX XXXX ( XXXX ) I went into a local Chase branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, Chase representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XXXX XXXX XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XXXX XXXX XXXX. I  asked what that meant. Rep said : documentation was sent to Chase requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions XXXX around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.
Product: Debt collection

Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I
Product: Mortgage

During the refinance of a mortgage from Bank of America to another lender, the payoff amount was sent by the title company to Bank of America to pay off the old loan. This payment was sent XX/XX/2019 by XXXX XXXX XXXX XXXX, Fed Ref # XXXX. Bank of America did not process the payoff until XX/XX/2019 at a per diem interest charge of {$59.00}, which cost me {$230.00} ( 4 days x {$59.00} ). They claim they take up to 72 hours to process payoffs ( though this took 96 hours ). However, even though it takes up to 72 hours, they also charge an " Expedited Payoff Service Fee. '' To have them " investigate '' this further, they are requiring that I send in a written letter to which they will reply in written form. This will not only result in months of delay, but I am highly skeptical it will even result in a favorable outcome. Having it be in a written manner just allows Bank of America to take their time and to have this drag on as long as possible. 
The delay of 72 hours on payoffs an absurd way to keep another {$100.00} - {$200.00} from the hundreds of thousands of borrowers Bank of America services. On top of that, the Expedited Payoff Service Fee is yet another way to take as much money from the consumer as possible with no benefit to anyone, but the bank. Consumers pay for things if they get something in return ; there is no return service in this case. It does not take a company the size of Bank of America 72 hours to process a wire received with all aspect of the loan attached to the wire instructions. Every other loan servicer I have interacted with will process payoffs the same day as the wire received which is not only more efficient for the servicer, but actually helps the consumer by not paying on two loans at the same time.

I also wonder how title allows this. Wouldn't I have two 1st liens on my home at the same time for the four days?

I always find it interesting that a bank makes money by lending to consumers and charging those consumers interest, yet when the bank has the consumers ' money, they can hold onto it interest free for as long as they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX  balanced due, willing to pay debt ; however getting to many phones calls and letters in the mail, i wish for it to stop. calls come in about 7 times a day. thank you for the understanding.
Product: Checking or savings account

My account is set to deny all overdrafts. My account had an available balance of XXXX dollars on Thursday XX/XX/year>. I used the remaining money to make XXXX dollars worth of purchases. On Friday my account showed negative XXXX dollars because of pending charges but I already paid for them charges on Thursday. On Tuesday XX/XX/XXXX my account went from negative XXXX to a positive XXXX dollars because I received a refund of XXXX dollars. All the while my account shouldnt have been negative in the first place because that it the whole point of having protections on my account.