23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

this company DISCOVER BANK clams charged-off with a owed balance of {$5400.00} This is a formal notice that your claim is disputed. they have false, inaccurate and fraudulent information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

Experian has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX   should not be on my credit reports. XXXX/XXXX   additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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  : Third and Final Notice Demand for Validation and Reinvestigation of Information and Notice XXXX XXXX to Pursue Legal Action To Whom It XXXX Concern, This letter serves as my third and final demand for XXXX to validate and reinvestigate the inaccurate and/or unverifiable information you are reporting about me. Despite my previous requests dated [ Insert Date of First Letter ] and [ Insert Date of Second Letter ], you have failed to provide sufficient evidence to validate the disputed information or correct your records. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days and either verify, correct, or delete the information if it can not be substantiated. Your failure to comply with these legal obligations is a direct violation of federal law. 

I am disputing the following information as inaccurate, incomplete, or unverifiable : XXXX XXXX XXXX  XXXX stating fraudulent activity with the monetary loss I demand that XXXX take the following actions immediately : 1. Conduct a thorough reinvestigation and provide written evidence validating the disputed information.

2. Delete or correct any information that is inaccurate, incomplete, or unverifiable in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

3. Provide a written statement detailing the results of your reinvestigation, including the sources you relied upon.

Notice of Intent to Pursue Legal Action If you fail to comply with this request within the legally mandated timeframe, I will have no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office. 
Initiating legal action against XXXX for willful and/or negligent non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ).

Seeking actual damages, statutory damages, punitive damages, and attorneys fees as allowed by law. 

I take my consumer rights seriously and expect full compliance. This letter serves as your final opportunity to address this matter before further legal action is taken. 

I expect a written response within 30 days of your receipt of this letter, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Had contract in place to buy vehicle. Carvana changed terms after processing payment for shipment. I canceled contract, Caravana is attempting to take {$1100.00} out of savings account, which they will return but not until XXXX business days later. I can not afford XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a online credit report today XX/XX/XXXX with Transunion and it shows I worked at XXXX with verified date of XX/XX/XXXX. That is incorrect information because I NEVER worked with XXXX company in XXXX XXXX nor USA. 
How can that be clarified and corrected?
Product: Checking or savings account

On XX/XX/XXXX, my bank account had no overdraft. I had {$63.00} left in my account. In transactions from XXXX XXXX XXXX, merchants received their money. I checked my account on XX/XX/XXXX, and my account had an overdraft of {$170.00}. I realized TD Bank reposted old transactions that came out prior to the XXXX. TD Bank then accumulated transactions from XXXX XXXX. I inquired about it via phone call. The rep stated the transaction that caused the overdraft was a payment to XXXX XXXX of {$230.00} and some prior transactions from XX/XX/XXXX. I explained to the rep that I have overdraft protection, and if my account didn't have the funds, it would've been rejected. The rep confirmed I have overdraft protection and then stated the payment of {$230.00} will return on XX/XX/XXXX and my account will be back to normal. I explained to the rep that this payment was made on Friday, XX/XX/XXXX, and it came out. I had the funds for every transaction that occurred. The rep stated that the app doesn't reflect the correct amount available. I stated that if an app isn't working correctly, it's a TD Bank error, not the customer 's fault. On XX/XX/XXXX, an overdraft remained, and the payment of {$230.00} did not revert back. I called again and spoke to XXXX reps and XXXX supervisor. Both of these representatives stated I don't have overdraft protection ; the overdraft came from the order for the posted transactions and mentioned XXXX different names of the type of overdraft I needed and gave me misinformation. XXXX XXXX stated he's the highest in the company and there's nothing he can do. I explained to him that he's not the highest in the company ; this is TD Bank 's fault and their faulty app. TD Bank continues to falsely advertise to customers that the app is accurate and reflects the correct balance. TD reposted the old and new transactions, which deceptively gave a reason for the overdraft. 

TD Bank unlawfully charges overdraft fees for transactions that didn't cause it and had the sufficient funds for the transactions.
Product: Bank account or service

I opened a bank account at Citi ( CitiGold checking account ) with a publicly available bonus code that would grant me a specific bonus ( XXXX Thank You Points ). As soon as I opened the account, I sent a Secure Message asking if the bonus was tied to my account, and the response from Citi was a confirmation of such. Upon completing the requirements, I then sent another Secure Message, where Citi replied stating that my bonus points would post within 3 statement periods, just as the promotion stated. I was told the points would hit my account no later than XX/XX/XXXX. XX/XX/XXXX, I reached out to Citi where I was told I would not be granted the points. This is a complete reversal of what I was told by their own personnel, which is why I felt it necessary to reach out.
Product: Prepaid card

I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt to XXXX XXXX XXXX but still shows on my credit report and XXXX  XXXX CC however my score should be much higher and I have over 66 months on time payment history and my CS should be higher I have different scores with XXXX XXXX and XXXX but with Experian its very low and I want to know WHY!!!! This is my problem and Im not going to play the XXXX XXXX but this looks very fishy to me.
Product: Credit reporting or other personal consumer reports

I have attempted to contact all three credit buerues by mail and mobile phone they have refused to comply to the law about fixing my credit that has been messed up by identity theft I have given them proof and they still have ni been willing to address the issue and pay any importance to my matter I have filed a report with the federal trades commission as well they refuse to address consumers issues caused by criminals in the world
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can NOT be reported on a consumer 's report. In addition I am experiencing financial hardship and unable to obtain a loan or housing due to the deragotary marks on my credit report and ask that the information be corrected. In addition according to the FCRA information reported has to be accurate this is not my first time saying this so I will be providing proof with screenshots of my report. Clearly the dates don't match so any inaccurate informaton needs to be deleted NOT updated once the company becomes aware of its mistakes
Product: Checking or savings account

Today, XX/XX/XXXX around XXXX XXXX I went to the Wells Fargo on XXXX XXXX in XXXX WI to deposit money to my savings account. 

It took forever as the machine was scanning my deposit and ultimately I got an error. I got my debit card back, but the money was not out far enough and I couldnt grab it. Then that slot closed and I never got my {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the three credit reporting agencies , XXXX, Experian and XXXX  XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
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 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 Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXXXXXX Balance : {$0.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Experian ( Tracking # XXXX ) and it was received on XX/XX/2021. 36 days have passed and I haven't received any response from Experian. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Money transfer, virtual currency, or money service

On XXXX2020 an unauthorized transfer of {$4700.00} was taken from my Capital One Savings account by someone that I do not know. It was transferred to XXXXXXXX XXXX. I have never had an account at XXXXXXXX XXXX and did not create this external account. Capital One refuses to reimburse me because they say I participated by allowing remote access to my computer. I did not knowingly or willingly participate in this transfer of my funds or authorize any access to my bank information.
Product: Debt collection

XXXX XXXX XXXX calls me numerous times throughout the day from multiple phone numbers. Today, XX/XX/2019 they called 6 times from 3 different numbers in just over 1 hour.
Product: Payday loan, title loan, or personal loan

The company, One Main Financial is constantly calling my place of employment, even though others and myself have asked them to stop. Specifically XXXX, who has been asked multiple times to stop calling is persistent and could possibly get me fired.
Product: Credit card or prepaid card

I discovered through my credit report that there was a balance on my US Bank credit card of {$5300.00} and late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not make any purchases on my US Bank card and when I called to dispute the charges, I was told by that agent that I needed to speak with a particular person that was handling the account and I left that person a voicemail numerous times throughout the last couple months and haven't received a reply. 

Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$5300.00} Highest Balance {$5300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$620.00} Times 30/60/90 Days Late 1/1/1 Remarks Account closed by credit grantor 120 Days past due Payment History Latest Status : 120-149 Days Late XX/XX/XXXX 60 90 XX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK 30 XX/XX/XXXX U U U U U U U U U OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U J F M A M J XXXX XXXX XXXX XXXX XXXX XXXX 60 60-89 Days Late 90 90-119 Days Late 30 30-59 Days Late U Unknown Credit Utilization*106.66 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested as recently as XX/XX/2020 that XXXX investigate the accuracy of of reported accounts from United Revenue Crorporation. XXXX says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. United Revenue Corporation has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.
Product: Money transfer, virtual currency, or money service

I logged into my blockchain wallet on the XX/XX/2024 to check my Bitcoin balance, only to see that my Bitcoin account is swapped with XXXX  XXXX.

I have no clue what that token is, I did not buy that token. I had NEVER heard nor known XXXX XXXX exists. 
I reached out to Blockchain, but they absolved themselves of this transaction and have not explained what happened to my bitcoin balance nor explained how I got XXXX XXXX in my wallet. 
I have attached a screenshot of what is seen on my wallet having XXXX XXXX. 

Please I am reporting this because I need explanations from Blockchain, and I want my bitcoin BACK!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, we wired {$30000.00} to XXXX XXXX XXXX for the purchase of a boat ; however, we never received the boat. Our transfer was made at our bank, XXXX in XXXX, IL, to JP Morgan Chase in XXXX XXXX, NV. We contacted both of these banks ten days after the transfer once we realized the boat was not going to be delivered, to see if the wire transfer could be reversed. However, both of the banks did nothing.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely,