23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This company has violated the UCC 3-603 and UCC-3-311. neglecting payment made with a negotiable instrument. 
on XX/XX/23 my Payment coupon arrived at there facilities XXXX XXXX XXXX XXXX XXXX they have replied they never received the payment, however it shows it is there with the amount of XXXXXXXX XXXX i opened a dispute with the company and sent out a fault and dishonor letter notarized reminding them of the payment and offering them a discharge. ( tracking # XXXX ) arrived on XX/XX/23. they are denying they have received, the mailing addres was given to me by one of there representatives and confirmed multiple times. 
they are violating Ucc 3-604 ucc 3-602 ucc 3-504
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX XXXX. Please correct and update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter 13 Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. XXXX XXXX XXXX  XXXX XXXX PC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Student loan

I have requested a refund of my student loan taken out in XXXX for {$5500.00} which was paid off in full during the Covid forbearance period so that I can apply for forgiveness. I made approximately {$4700.00} in payments to Fed Loan Servicing before my account was transferred to XXXX. I made the last payment of {$830.00} to XXXX. I received a refund from XXXX for {$830.00}, and my balance on the loan increased to reflect that. I have been calling Fed Loan and XXXX since XX/XX/XXXX trying to get the remaining {$4700.00} refunded so that it can be forgiven under the Biden plan. I have spoken to probably XXXX people on both companies that have told me so much conflicting information I want to pull my hair out. I would like to get a straight answer if that is possible. 

Thank you, XXXX XXXX
Product: Checking or savings account

XXXX XXXX a sofa, love seat, table and chairs and was never delivered. Debit card charged {$2400.00}. Bank says Visa denied claim, we have no furniture and no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by my identify theft alert program, XXXX XXXX XXXX, that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to XXXX. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX XXXX Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or XXXX later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by XXXX points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Product: Credit reporting or other personal consumer reports

Not sure if I am in the correct spot or not. Some one is applying for credit with my information. Experian said to file a report
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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: Credit card

This is the email I sent to PayPal : I wish to report an unauthorized or fraudulent payment of USD XXXX from my credit card as per email forwarded below. 

This payment purports to be effected to XXXX XXXX. I have cancelled my subscription with XXXX XXXX as per screenshots attached. 
The PayPal transaction ID is XXXX dated XXXX XX/XX/year>. 

However, when I logged into my account with PayPal to report an unauthorized transaction, transaction ID XXXX does not exist. 

As I could not proceed further with reporting this issue, I am therefore writing this email to request a refund for USD XXXX. 

======================================================== I also contacted XXXX XXXX XXXX XXXX, to request a refund. However, to do this request is so convulsing. The XXXX case number is XXXX. They provided with a telephone number which I can't use as the call charge is exorbitant as I live in the XXXX. As I would prefer to have an email contact address instead, I made a second request and the case number is XXXX. 
I am attaching screen shots of the my account with Avast Software which show that I do not have an active subscription with them and I was billed for something I did not purchased.
Product: Debt collection

I got a letter from Huntington saying I have a balance due of XXXX. But I shouldnt I closed my account more than 3 years ago and it was due to fraud someone had comprised my account. Account ending in XXXX my account was compromised and closed and its been multiple years since. I tried reaching out to them via email but I havent gotten anything back.
Product: Student loan

Navient has been reporting my student loan as a charge-off status since XXXX but the account has been delinquent since some time in XX/XX/XXXX-XX/XX/XXXX. The delinquency is greater than 7.5 years old and would have been removed from my credit report had they not reported my last date of payment was on XX/XX/XXXX. This payment was made by the co-borrower, my father, when he settled his portion of the loan. Unfortunately he was misled by Navient and thought he was settling the loan in its entirety. Navient then put the account in to charge-off status in XXXX and has been asking for the full amount ( including the co-borrower portion that was settled ) to be paid by myself. I believe this is a deceptive tactic. I also believe they can not continue to report inaccurate information to the credit bureaus. I have tried to reach out to them several times since XX/XX/XXXX. Their only response has been to forward me to a third party collection agency for settlement or to get me to settle the loan for its entirety including paying the amount my co-borrower already paid when he settled his portion. I have also disputed the incorrect date of last payment with the credit bureaus multiple times over the past year. Navient continues to say the information being reported is correct despite having letters from them and the payment to Navient from my co-borrower bank account reflecting the XX/XX/XXXX payment was made by the co-borrower not me.
Product: Debt collection

This company portfolio associates calls me every day several times a day from different phone numbers and when I answer the phone they hang up I do NOT have any debt with anybody. So Ill not sure why they keep bothering me
Product: Credit reporting or other personal consumer reports

I have recently disputed an account with Equifax and the account has been removed XX/XX/year>. When I applied for a mortgage I was informed that the account was listed on my credit file. When I checked my credit report, I noticed that the account was reinserted back on my credit report. I spoke to a rep who said they did not receive any documents as I requested from the creditor ie statement, signature, contract etc, in violation of FCRA 611 USC 1681i LAWS 5 ( a/b ). and also informed Equifax that I have not been notified of this account being placed back on my credit report 5 days before or 5 days after FCRA 611 USC 1681i LAWS 5 ( a/b ). I did not receive a certification accuracy information or notice notifying me that the reinsertion was or will be place back on my credit file in writing 5 days prior and 5 days after the reinsertion. I also was not provided any documentations requested from Equifax within the 30 days of the original dispute. They are in violation of several FCRA and FTC laws. A consumer reporting agency shall maintain reasonable procedures design to prevent the reappearance in a consumer file and in consumer reports on the consumer, of information that is deleted which they have not done. Account listed below. 

XXXX Account Number XXXX XXXX I was informed to resend the original documents again. That is not fair. I advised them that I would resend the documents via cfpb this time. I already send the original documents via mail and cfpb which they should have on file already.
Product: Credit card or prepaid card

I recently opened an account with BJ 's Mastercard through Comenity bank around XXXX. The first bill that came in a paid along with setting up my account for auto-pay. Then between XXXX and the beginning of XXXX they were having some technical issues with online transactions. On XX/XX/XXXX I checked my account because I feared that my auto-pay wasnt going to be processed and when I looked at my account it appeared that my banking information was not listed nor were there any pending payments being processed. So i panicked and went ahead and made a payment. A week later i check my account online and it shows 2 payments being processed, with one payment being returned ( rightfully so since the 1st one had gone through ). Then on XX/XX/XXXX i try to use my card at Bjs gas station and its telling me that its declined. WHen i contact Comenity Im told that my account is suspended for 90days due to a return payment. WHen i explain to them what transpired, which only happened due to their system issues I am told that there is nothing else that can be done. 

For a company who's supposed to cater to their customers they failed. Ive NEVER experienced anything like this in my life before. Absolutely distasteful
Product: Debt collection

An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.
Product: Debt collection

They called me 7 x in a day yesterday left 5 voicemails and I had told them repeatedly that the debt would be paid in full by XX/XX/year> They have called me up to 9 x in one day and left several voice mails I do collections and know you can not leave that many voicemails and harrass people like that daily, and yes it's been daily
Product: Debt collection

They are calling me repeatedly at least 2-3 times a day when I have told them to stop calling me and Ill pay the debt when I can as Im not working right now and dont have money. They still keep calling even after I blocked the number they are still able to get thru. They call from multiple XXXX numbers
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements. 3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt. 4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ). Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws. I want this removed from my credit report immediately. I am revoking all rights of them communicating with me via Call/Text/Email . I appreciate your prompt attention to this matter and look forward to a resolution. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
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: Credit reporting

OVER A YEAR AGO SOMEONE STOLE MY IDENTITY OPENED UP A CREDIT CARD ACCOUNT WITH XXXX AND XXXX. I PROVIDED EQUIFAX WITH MY POLICE REPORT, FTC AFFIDAVIT, AND PROOF OF THE PERSON THAT WAS BEING INVESTIGATED FOR THE THEFT OF MY IDENTITY AND EQUIFAX NEVER NOTIFIED THESE BANKS THAT I HAD A FRAUD IDENTITY CASE FILED AGAINST THE PARTY THAT STOLE MY IDENTITY. INSTEAD THEY IGNORED ALL MY POLICE REPORTS, DOCUMENTATION AND INDICATED FOR ME TO CONTACT THE BANKS INSTEAD. FOR AN ENTIRE YEAR MY CREDIT HISTORY HAS SUFFERED BECAUSE OF THESE BANKS AND I WANT THEIR ACCOUNTS REMOVED IMMEDIATELY FROM MY CREDIT REPORTS OR I WILL BE FILING ADDITIONAL CIVIL AND FINANCIAL CHARGES AGAINST BOTH BANKS FOR ALLOWING THE FRAUDULENT ACCOUNTS TO CONTINUE ON MY PERSONAL CREDIT HISTORY. FOR AN ENTIRE YEAR EQUIFAX HAS RECEIVED THE POLICE REPORTS PROVIDED TO THEM REGARDING THESE BANK CREDIT CARDS AND TO DATE THE BANKS NEVER REMOVED THE CREDIT CARDS FROM MY CREDIT REPORTS AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED!!! IF XXXX OR XXXX WANT TO RECEIVE THE POLICE REPORTS THAT I HAVE PROVIDED FOR AN ENTIRE YEAR TO EQUIFAX CREDIT BUREAU THEN THEY WILL NEED TO CONTACT EQUIFAX TO OBTAIN THEM CONSIDERING EQUIFAX ADVISED ME SEVERAL TIMES FOR AN ENTIRE YEAR THAT ALL INFORMATION WAS VERIFIED AND PROVIDED TO XXXX AND XXXX.
Product: Checking or savings account

The most recent date is XX/XX/. Amounts : {$4.00}, {$4.00} and {$49.00}. I got charged {$36.00}, {$36.00}, and {$36.00} for each transactions. I called XXXX representative and she refused to help me. I called another time and talked with another banks representative complaining that the bank should not charge {$36.00} for every transaction since XXXX were below {$50.00}, the representative said that she was not aware of this banks policy. I asked to speak with a supervisor, and I was told that no one is available. After being persistent, the representative said that she was going to contact her manager by an email ; after a long waiting ( over XXXX minutes ) she said that her manager refused to refund me any fees.
Product: Credit card or prepaid card

I have been waiting on a card from Way2Go for 30 plus days. 15 days ago I waited on hold on their only avenue to contact them. They said they corrected the issue and a card would be to me no later than 10 days. For the last 5 Days, I've been on hold with the XXXX number and can't get through. Each day I've waited from 3 to 6 hours on hold. I finally give up between 3 to 6 hours. Currently today, on hold while writing this complaint for 2 hours. 

Todays date is XX/XX/2020. As of last week of XXXX, I've had XXXX paycheck but {$1000.00} 's of dollars are loaded on my way2go card with zero way of accessing it.
Product: Debt or credit management

I joined Level 1 Law to help me resolve my outstanding debt. I paid them through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of each month. I started payments in XX/XX/XXXX. I was told just send in all correspondence I get from my creditors. I did that. Followed up with them several times in XXXX and their response is everything is in process. In XXXX I spoken to someone at XXXX XXXX and they had gotten word Level 1 Law was getting sued. Since then, I stopped paying my money. In XXXX then a letter to follow up in the mail in XXXX. The correspondence told me they have not done anything with my account until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} was frozen in my checking account leaving me without any money. I am having trouble getting any responses, most to say they do not know anything.
Product: Credit reporting or other personal consumer reports

The following accounts listed and showing on my XXXX, Equifax and XXXX XXXX credit report, was paid in full and as agreed on, on XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XXXX, {$730.00}, XXXX XXXX XXXX, {$1000.00}, XXXX XXXX XXXX, {$550.00}, XXXX XXXXXXXX XXXX {$810.00}, XXXX XXXX XXXX, {$440.00}, XXXX XXXX, {$260.00}, XXXX XXXX XXXX XXXX, {$360.00}, XXXX XXXX XXXX XXXX, {$170.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, {$74.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$70.00} XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX, {$170.00} XXXX XXXX XXXX XXXX, {$340.00} XXXX XXXX XXXX XXXX, {$250.00} and XXXX XXXX, {$150.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX should be reported by transunion as a paid charge off in comments. Settled and paid account