23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/XXXX. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Corp requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/XXXX. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond, but continue to report on my credit report as resolved but consumer disputes. 
I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
Product: Debt collection

Subject : Complaint Regarding Reappearing Negative Account after Identity Theft Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with a negative account listing that appeared on my credit report. In XX/XX/year>, I disputed a XXXX XXXX  account ( Account Number : XXXX ) which was reported as a closed account in the amount of {$1700.00}. This account was initially deleted after I identified it as a result of identity theft. 

However, after the account was successfully removed from my credit report, I noticed that it reappeared on both my XXXX and Experian credit reports just one week later. The account is still being reported as a negative mark, which is unfair and inaccurate, especially since it was tied to identity theft. 

Additionally, for the record, my Social Security number has been flagged as part of a nationwide data breach, which further supports the claim that this account was not opened by me and was the result of fraudulent activity. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that this inaccurate and harmful information is permanently removed from my credit reports. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I disputed this issue with all three credit report companies, for the following XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX the companies that I mention above purchased the debt in XXXX and resold to the debt prior to the 7 year mark. And did not send me anything in the mail stating that the debt was sold I had to find out by looking at all three credit reports so when they purchased the debt they came up with a new date to keep it longer on my credit report which is not fair. Per credit bureaus are required to automatically remove most negative items from your credit report after seven years, or seven years plus 180 days for a charge-off.

That's not being done and per the law it states The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a written notice to consumers within five days of their first contact : The amount of the debt The name of the creditor How to dispute the debt How to contact the collector in writing A statement that the collector will verify the debt if you dispute it in writing within 30 days A statement that the collector will provide the name and address of the original creditor if requested A warning that any information obtained will be used to collect the debt None of that was done for me so what can be done in this matter I need help for the disputing with all three credit report companies is not doing their jobs at all
Product: Payday loan, title loan, or personal loan

My account information is not correct. I have not received any new accounting statements. The payoff amount does not correspond with what is online. Asked to speak with a supervisor was told none were available on XXXX I asked to facilitate the process to close my account and have the funds deposited into my account the same one making payments. I was told it could take up to XXXX business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with XXXX the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to SST and the customer service is awful. To be a loan servicing provider and have zero access to speak with a supervisor is very concerning. I was told I could not file a complaint with them that I would need to call XXXX at XXXX to file a complaint. I called XXXX at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account.
Product: Vehicle loan or lease

In sent in a lump sum payment of {$26000.00} by US Mail on a bank check in XX/XX/XXXXXXXX  It was applied as a series of future payments. I sent in another lumpsum payment of {$3300.00} it was applied as a series off future payments even though the letter with the check stated principal payment. I asked for corrections. On the day I asked for corrections the last 2 transactions on line were in reverse order in the transaction activity making it appear that the the balance had increased instead of decreased. This is what initiated my investigation. I called and several case numbers were opened : I was sent some data and I received a call back saying some things were in process. 
Last contact before today was with XXXX on XX/XX/XXXX and possibly on XX/XX/XXXX ( I think that was her call back just saying corrections were still in process. 
Today 's contact was with XXXX in XXXX Ohio She is mailing me an amortization schedule and the payment history to show allocation of payments. I can not look at the online data to see how payments are now allocated. Noone called me to tell me what case numbers were addressed. 
Case number for amortization schedule request by phone to XXXX today is : XXXX Case number for payment history : XXXX I am using US Mail because I do not want to use their external secure mail system.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX accounts on my report. With the same amount number.
Product: Debt collection

I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXXXXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief!
Product: Debt collection

I am was XXXX aware of this debt. I never received any information about the debt that gave me an opportunity. to dispute the debt. This violates my federal rights.
Product: Student loan

I received a bill XXXX/XXXX/XXXX from Navient informing me that I owe {$3300.00}? 
I went to collage for a one week and owe {$3300.00}!! The original loan was in XXXX/XXXX/XXXX for a {$1200.00} but there saying now the original loan was {$2600.00} I have made several payments but with the interest rate XXXX it 's hard to get caught up.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account, i don't have any agreements with this company, i never sign anything.
Product: Credit card

My Mother-In-Law is XXXX after a XXXX and the only income she receives is from an insurance payment and Social Security. Her income is $ XXXX. However, she was able to go into her local Wells Fargo bank and even though she XXXX, she walked out with a {$5000.00} limit credit card. 
This is ludicrous. Right now it is 0 % interest but that ends next year and whilst I am working with her to pay off the balance, I 'm disgusted that this was allowed to happen. They know that there is no way she 'd be able to pay it off if she maxed it out, how was this able to happen?
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to send money to someone via PayPal, which I do on every payday. The recipient indicated they had not received a notification and I subsequently attempted to send it again. After the second try, I contacted PayPal who indicated the delay was caused by a negative balance in my PayPal wallet. I proceeded to bring that balance to {$0.00} and the PayPal agent advised me to attempt a 3rd payment to the recipient and that he would cancel the first two attempts. I did so, and then called my bank to make sure there weren't 3 attempts to send money. On the following Monday, all 3 payments were deducted from my bank account. I attempted to work with my bank and with PayPal to resolve the issue and there was no resolution. Since all 3 payments were deducted, my checking account went negative, resulting in an overdraft fee of {$74.00}. My bank also returned a car payment and charged me {$37.00} for a returned item fee. There is also now an additional overdraft fee pending on my account for {$37.00}. My frustration is that I worked directly with PayPal to resolve the potential issue only hours after the first 2 payments to the recipient were attempted. The recipient has now received all 3 payments, returned the 2 erroneous ones to me and my checking account is in good standing, however, I am out {$110.00} for fees with an additional {$37.00} fee pending. I would like PayPal to reimburse me the fees that could have been avoided had they properly cancelled the first two erroneous payment attempts.
Product: Debt collection

I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX XXXX {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX XXXX {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account XXXX XXXX. 
XXXX {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXXXXXX XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Product: Money transfer, virtual currency, or money service

I have been a loyal customer of PayPal for several years and have never faced any issues until now. My account has always been in good standing and I have never engaged in any fraudulent or unethical activities. Despite this, my account was suddenly restricted and my funds were blocked for 180 days, which is unacceptable. 

The restriction and block was imposed on XX/XX/2023, and has caused immense inconvenience to my business operations. 

I have provided all the necessary documents and information to PayPal to prove the legality and authenticity of my business transactions. These include purchase invoices, shipping label, and tracking numbers with verifiable delivery within 5 days. However, despite providing this evidence, my account remains restricted and my funds are still blocked. 

I strongly believe that this restriction and block is unjustified and constitutes a violation of my rights as a customer. My account is not a high-risk account as I have fulfilled all tracking requests, delivered all products to my customers, and have a very high customer satisfaction rate. 

I request that you investigate this matter and help me resolve this issue as soon as possible. I also request that you assist me in lifting the temporary restriction and funds block on my account, so I can resume normal business operations.
Product: Credit card

I received an email from Kohls on XX/XX/year> at XXXX. It says this : " Important Notice of a Change in Terms This notice provides a summary of changes that are being made to your Kohls Card Account Terms ( including to the new Account features offered on your new Kohls Rewards Visa card ). These changes will take effect on XX/XX/year>. 
You have the right to reject the change to the Interest Charge Calculation in the Revised Terms table below until XXXX XXXX XXXX  on XX/XX/year>, by calling XXXX. If you reject this change, your Account will be closed on XX/XX/year>. '' Their systems will not let me reject the change in Interest Charge Calculation, which is the following : " We will begin using daily periodic rates in place of monthly periodic rates in calculating Interest Charges. See enclosed Account Terms under sections What Are The Daily Periodic Rates Used To Calculate My Interest? and How Do You Calculate The Interest Charge? for details. 
We will continue to use the average daily balance ( including new transactions ) balance computation method, however, new transactions may now include the prior days Interest Charges that will be calculated daily instead of monthly. '' On XX/XX/year> I called XXXX to reject the change and was told by the rep that they are not trained for this and she provided me another number to call which is XXXX. I was concerned that this was fraudulent so I logged into my Kohl 's credit card website and clicked on the " contact us '' to grab the customer service number XXXX. I called that number and the rep told me to call XXXX. I did, and it was a number meant for those who already have a 16 digit Capital One card, which I don't. I only have a 12 digit Kohls store card. So, I called the customer service number on the back of my Kohl 's card XXXX. They said they did not have any information regarding helping me with the Capital One rejection but that they could go ahead and close my account regularly. So, I hung up and called the XXXX, the number I was afraid was fraudulent, which asked me to key in my 12 digit Kohls store card. But it would not register that I was typing in any numbers at all - I tried 3 times during that cellphone call. Then I hung up and called from my work phone and it still would not recognize that I was keying in any of the numbers from the front of my Kohls store card. 

Is it not illegal to provide notification of change of terms with instructions on what to do and then not allow the consumers to perform said instructions? 

I have never been more embarrassed of just how shiesty the American financial system is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, I think back in XXXX or XXXX I had an account at Bank of America and I was involved in a scam fraud case. Some XXXX XXXX American male sent me a direct message on XXXX and he wanted me to send him my banking account info. I said yes foolishly not knowing the consequences of my actions. And he proceeded to take money out of my account. 

After that I was told by my best friend 's mother to call the police and I did so after further looking into my Bank of America XXXX account in the banking app. So after that, I called the authorities. Then, amid my bewilderment, XXXX and behold the police said that indeed the young man was attempting to use fraud against me. 

He had weapons in his photos on social media. XXXX and such I suppose. 

Then after I reported the fraud case to proper authorities, they let me know to follow up with any leans in the case. 

An officer visited my household and handed me a card with all his information on it. 

I accidentally misplaced the card. 

Haven't been in touch since.
Product: Credit card or prepaid card

I had a charge of {XXXX} dollars that I disputed I believe XX/XX/21 or around that time.Wellsfargo detected fraud and I called and confirmed that it was indeed an unauthorized purchase. Today ( XX/XX/21 ) I look on my account and see I have a outstanding balance of {$XXXXXXXX} and a notice on my app that says I am over my credit card limit. I call Wellsfargo and they inform me that my claim was denied because of the ip Address of purchase matched my normal IP address ( something like that ). Basically what I got out of that was that my claim was denied because they believe I authorized the purchase. At this point Im upset because Im informing the rep that I didnt authorize any purchase and she then ask me did I receive any merchandise from the merchant I told her no, how could I receive anything when I have no idea about this purchase, I DID NOT AUTHORIZE ANY PURCHASE. she tried to contact the fraud department but they do not work weekends I guess. I ask here is there anything that could be done to get this resolved to day. She said not and advised I have to call back in Monday so that I can speak fo the fraud department and possible get the merchant involved. she also advised that since the claim was denied, I could try to file the claim again but it couldnt be for the reason of fraud which sounds crazy because I told her numerous times that I dont have no idea about this unauthorized purchase. So at this point Im highly upset and I need my money back.
Product: Credit card

Home Depot allowed someone to open an account in my name without verifying identity. As soon as I became aware of this, I informed Home Depot that I was the victim of identify theft and they had fraudulently opened a credit Card in my name and run a credit report without my consent. I have now received a bill in the mail for {$2100.00}. When I called Home Depo to again dispute this fraudulent card, they informed that, if I did not make payments on the card before XX/XX/XXXX, they would report the nonpayment to the credit bureau. They have been put on notice that this account was improperly opened without verifying the identify of the criminal who opened the account. They have been put on notice that I did not open this account or make these charges. They continue to threaten me and tell me that my credit score will be significantly affected unless I pay the fraudulent charges and there is nothing they can do to prevent the fraudulent reporting.
Product: Credit reporting or other personal consumer reports

This is not my account. I have never made any payments on this account. XXXX is reporting inaccurate and fraudulent information. this is way too old to be new on my credit report
Product: Mortgage

I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided that mailing payment would be a way to see to it the payments were posted or received faster, and that has proven to fail. On XX/XX/XXXX, I mailed a payment to US Bank mortgage division with payment coupon and then after XXXX weeks and still showing of posting of or proof of payment recieved I mailed yet another payment and I called US Bank yesterday to inquire as what or why there has been no evidence of either payment on my account as of yet and there was no response from the employee and no explanation or evidence of either payment of {$1000.00}. I have received numerous letters stating what I have to do or they will do such as continue to remove funds from my bank account with out authorization and other sort of threats of what they will and can do. I spoke to them yesterday and stated from now my payment will be delivered certified or return mail receipt to prove that US Bank mortgage has received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XX/XX/XXXX and requested debt validation with Transworld Systems Inc they are reporting on all 3 credit bureaus as an open collection from XXXX, XXXX is not on my credit report. After I disputed and requested debt validation they sent me a letter dated XX/XX/XXXX with a bill from XXXX which means this debt is XXXX XXXX XXXX and it's reporting on my credit report as open in XXXX making it appear as an newer debt than older debt. Also they sent me which appears to be a final bill as debt validation, that is not proper debt validation. I need proof this debt is mine and this debt is also from XXXX which means it's 7 years old. They are reporting inaccurate information and I'm not sure this debt is mine being that is from XXXX.