23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Unknown Creditor Reporting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX Account Ending : XXXX Alleged Account Balance {$0.00} Alleged Credit Limit {$500.00} Allege Available Credit {$500.00} VALIDATION AND CEASE AND DESIST To Whom It May Concern : I received a notice from the national credit bureaus that you have listed a negative report on my credit report ; however, I have no idea who you are and have never had any business transactions with your company. If, in fact, I have an available credit of {$500.00} and a credit limit of {$500.00} and owe a XXXX balance, why on earth would you be reporting this to my credit reports? 

Can you supply me with a contract or agreement signed with your company? 

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 WHICH IS XXXX BALANCE. 
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 IF THERE WAS ONE. 
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 again showing a XXXX balance 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. 

______________________________ XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report XXXX XXXXXXXX. This is my six attempt to notify you that I am a victim of incorrect credit report details and I write to dispute these items in my file resulting from this issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an incorrect credit report entry. I am re-attaching my FTC report for your reference : 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 -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

In accordance to the fair credit act this creditor violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666 B a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX
Product: Credit card

About JC Penny Credit Card. I found XXXX of {$2.00} minimum interest charges in XXXX/XXXX/15 and XXXX/XXXX/15 statements. I called JC Penny Credit Card around XXXX/XXXX/15 to ask why and they explained they were on the purchase I made on {$5.00} on XXXX/XXXX/15, which went to the remaining " promotional '' rate of balance and therefore those charges were made. 
First, no explanation until the call that that amount went to that kind of balance. 
XXXX, the lady on the phone waived those XXXX {$2.00} charges ( total of {$4.00} ) and I confirmed online that those charges had been refunded a few days after the call. BUT mysteriously, XXXX of the refunds had been disappeared when I checked online today. 
Third, assuming only {$2.00} were refunded, the latest balance that not reflect the refund. 
Fourth, the refund was made on XXXX/XXXX/15 and another {$2.00} minimum interest charge was made on XXXX/XXXX/15. I can see those on " Recent Activity '' page of their website, but again mysteriously, those transactions are not in the statement on XXXX/XXXX/15. 
I was just sick and tired of this never ending charges and just paid the remaining balance full today ( XXXX/XXXX/15 ), but I want those {$2.00} x 3 times = {$6.00} back or at least {$2.00} x 2 times = {$4.00} back as was agreed and done on XXXX/XXXX/15 phone conversation with JC Penney Credit Card Support lady.
Product: Checking or savings account

ON SATURDAY, XXXX XXXX WHILE BALANCING MY ACCOUNT VIA TELEPHONE i DISCOVERED THAT A CHECK FOR {$480.00}, written XX/XX/XXXX to XXXX XXXX XXXX XXXX was outstanding. the balance in my account indicated that {$480.00} that I deposited on XX/XX/XXXX was also missing. I called the 800 # spoke with fraud division also explaining that there is a pattern I noticed in my account when this happened XX/XX/XXXX re : ck # XXXX for {$50.00} and previously, when this occurred randomly XXXX ; XXXX. What happens is check written but remAINS OUTSTANDING beyond what I consider normal ( longer than 10 business days ) however the money ( I deposit to cover check goes missing first. ( I suspect they work with someone inside banlk who gives them cash for check. ) Check is presented and bounced. I have to cover check to clear up problem in account which means I have paid 2X for face value of check not to mention any other fees or problems. On Saturday because the representative saw no " large/unusual " activity he referred me to representative at local bank " who will set down & review with me my register. '' I refused having been through this before. Asked about audit of account and was told they don't do that. Problem not solved. I suspect a thief within the system who has gotten away with this for years.
Product: Credit card or prepaid card

I have an account with PayPal Credit. PayPal system has a glitch that caused my Auto Pay Payment to fail. As a consequence, I have been charged a late fee of {$30.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX. I suspect that this issue may be affecting other customers as well.
Product: Debt collection

I sent two certified return receipt letters the first was signed for on XX/XX/2018 that letter was a letter to negotiate payoff and I heard nothing then I sent another letter to tell them since they did not reply I want them to remove from my credit and that was signed for on XX/XX/2018, as of today XX/XX/2018 I still have not heard from them at all. They removed this same collection last year and put it back on about 8 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Open XXXX XXXX, XXXX Balance {$0.00}, and XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Checking or savings account

Verifying identity, account frozen since XX/XX/year>. I provided ID. All requested information except, Current Bamk requires the last 4 of a card that I reported stolen months ago in verifying the account.
Product: Checking or savings account

I have over paid XXXX XXXX by {$360.00}. 
I first called XXXX several times over several months and they stated that the extra XXXX payment is not in their records. 
However, during the same period I called Citi several times and they confirmed that my account statements showed that the funds did come out of my account After speaking with both XXXX and my bank Citibank on numerous occasions, including having my Citi rep on the phone with a XXXX rep on two separate occasions, and including both having my Citi rep fax over my bank statements to confirm that the funds were paid to  XXXX, both companies have refused to make me whole. 
I disputed the charge with Citi and they said that because the transaction was made 4 months ago, that they could not make me whole. Although throughout those 4 months I had been on the phone no less that 15 times  with both XXXX and Citi trying to fix the situation. I am requesting that I be made whole and I would like to only pay for the services that have been rendered to me, and not {$360.00} extra. Thank you.
Product: Debt collection

I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was with Wells Fargo for XXXX  years now. I had numerous hacks in my account. They were supposed to refund me just under a XXXX. I was told they would mail my check after I closed. When I went back a month later they told me that they refunded on line to the cards on line. This never happen. I also noticed my totals were a couple of cents more. I did not have overdraft protection. I opp. Out of it. They still hit me with a XXXX charge 11 times. I thought if you opp out they can't charge me nor can the transaction go Thur. I have tried a number of times to deal with this issue.. I fear they have done this to many people. They are steal from hard working people
Product: Mortgage

Please accept this Qualified Written Request for a copy of the Notice of Hearing for a specific file number identified by SunTrust 's law firm as " File No. XXXX ''. This " Notice of Hearing '' is distinct and separate from File No. XXXX found within Court file XXXX XXXX XXXX and XXXX within XXXX XXXX XXXX respectfully. 

Thank you - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one credit card is reporting wrong information on my credit report, I never had account with them and they are reporting I have a changed off account with them,
Product: Credit reporting or other personal consumer reports

Personal and business information was obtained and used by collection companies to obtain debts that are not familiar or connected to me.
Product: Debt collection

I have no idea what this debt is showing up on my credit. 

Spring Oaks Capital , LLC Says is the original creditor {$1200.00} Says the account is open and placed for collection. Not sure how an account can be opened and in collection. I have tried numerous times to get them to validate the debt with absolutely no response.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I noticed an unauthorized credit inquiry listed, as detailed below. I did not XXXX permission for this inquiry, and I am writing to formally dispute it. I kindly request its removal from my credit report. 
XXXX XXXX XX/XX/year>
Product: Debt collection

I receive DAILY phone calls from Navient regarding debt collection on a loan that is not mine, I did not sign for, nor have any liability regarding. In the past 24 hrs I have received 3 phone calls. Unfortunately, this is not a unique circumstance. This has been an ongoing issue. 

Navient 's calls currently equate to harassment, and I can not get them to stop. 

I have already filed this complaint in the past, and supposedly I am on the do not call list. It does not seem to be working. 

I personally have NO outstanding student loans. So Navient should not be contacting me regarding someone else 's debt. I have no interest or liability in the status of another 's finance issues with Navient.
Product: Credit reporting or other personal consumer reports

I wasn't aware of the inquiries until recently and i did not authorize these and i am taking the precautionary steps to protect myself
Product: Credit reporting

Equifax has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Product: Credit reporting or other personal consumer reports

XXXX bypassed the XXXX requirements while innacurately reporting consumer reports
Product: Checking or savings account

By direct deposit never came in and I have the early deposit option available
Product: Credit reporting or other personal consumer reports

Hello, I was checking my XXXX, XXXX, and XXXX and the company credit acceptance corp, XXXX XXXX. Credit acceptance has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. XXXX acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Product: Credit card or prepaid card

On XX/XX/2020 I added {$50.00} from an external debit card from a JOINT account that my partner and I share. A few minutes went by and I tried to log in to see what that brought the available balance to and I could not log in. I called in and was sent to account protection services and told that my account was being closed for violating section 15D of the member agreement. The rep advised me that the remaining funds on the card would be mailed to me within 7-10 business days. The following is the exact verbiage used in section 15 ( d ) of their agreement : " We, in our sole discretion, may limit your use of, suspend or terminate your privileges with respect to your Account ( including your Reserve ), Sub-Account, Card and/or Sub-Account Card with or without cause or notice, other than any notice required by Applicable Law, including in the event we believe there has been a breach in security or there has been unauthorized activity involving your Account or you have engaged in activity that is fraudulent or inappropriate ( e.g., manufacture activity that is inconsistent with the intended use of the Account ) or violates the terms of this User Agreement. *******We will only close your Account if there are no funds remaining in your Account ( including your Reserve ) or Sub-Account, unless you specifically instruct us to close your Account or Sub-Account with funds remaining*******, in which case, any remaining funds will be escheated to the applicable state in accordance with Applicable Law. Closure of your Account will prohibit your access to the Service. '' There are funds remaining and I did not request that it be closed. So they are the ones in fact in violatioin of the Agreement, not I. I have called three different reps back and none of them can give an answer other than " ummmm '' and refer me to write in. Thats not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose EXETER FINANCE LLC POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO XXXX XXXX CO
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around or between XXXX XXXX I attempted to withdraw {$500.00} off of my PayPal account at XXXX XXXX After multiple attempts I repeatedly got denied on withdrawing funds. I contacted PayPal at least 5 times. The first time they put me on hold for 1 hour and 51 minutes and never returned. Unfortunately, I kept trying to get through and became very aggravated when no one would take my call. I finally spoke to 3 different supervisors who then told me it was their choice and their decision to end my account and they were going to keep all of my money for 180 days ... 6 months! I proceeded to tell them how in the world can they just close my account with no explanation of what I did wrong. One supervisor said they can do whatever they please in which I became very furious and told them I had kids and in really need access to my money. After 30 minutes of talking to them and explaining I was hung up on and now my number is on a do not answer list apparently! In my available balance I have {$1000.00} and my money that they have on hold I have {$740.00}. They said I needed to verify my information which I did! Still nothing. Then they said they would make a decision in 3 days. They made a decision in 18 minutes! No warning or anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.