23daVinci/CFPB_Complaints huggingface dataset:
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. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance {$6200.00}
Product: Credit card or prepaid card

I applied for ( online ) and was granted a credit card from Wells Fargo for the purpose of transferring XXXX credit cards for a 0 % interest rate for XXXX  months. The transfer fees were 3 %. I was given a {$13000.00} credit limit. I put in online the card numbers and amounts. I owed XXXX {$1100.00}. I must have mistakenly entered {$11000.00} and XXXX returned the payment without posting the transfer because the payment was more than I owed. I then deposited the {$11000.00} check into my bank account. It was held by my bank for one day. I paid Wells Fargo on XX/XX/2022. It posted that day, but since that time, my available credit is only {$17.00}! I've called several times to find out when my credit limit would be adjusted so that I can transfer the remaining accounts. Today, I was advised the credit limit would be updated in 20 days! The payment cleared my bank in three days. The worst part of this is that I was charged a 3 % fee on the rejected transfer balance for {$330.00} and they refuse to reverse it!! I went around and around with the agent. He insists that the fee stands because the transfer was made. I insist that it's a matter of semantics. Yes, Wells Fargo sent the payment. But the transfer of the balance on the account that I wished to charge to my Wells Fargo card was never made. I need to have that fee removed. Please help me.
Product: Credit card or prepaid card

To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. 
A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. 

On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. 
My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. 
I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. 

Thank you for your attention on this matter
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am communicating with XXXX XXXX SC for the delinquent reporting on my consumer report. I have disputes with XXXX, XXXX and EQUIFAX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND EQUIFAX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
EQUIFAX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, XXXX and EQUIFAX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Product: Debt collection

I sent a request for validation for the {$120.00} they claim I owe them, they received my initial letter on XX/XX/XXXX. They didnt reply in a timely matter. They sent a letter dated XX/XX/XXXX which I received a week after XX/XX/XXXX. The XXXX XXXX stamp on the envelope of the letter I received is dated XX/XX/XXXX and the envelope of the letter is stamped XX/XX/XXXX, both dates XX/XX/XXXX and XX/XX/XXXX are outside of the 30 days they have to respond. Also the didnt furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the CEO XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he choose not too.
Product: Debt collection

XX/XX/2022 Wrote company to provide original agreement that was provided to them and to remove this from my report regarding information hitting my credit score did not send agreement still receiving letter 2 years later
Product: Student loan

I applied for PSLF. After about eight weeks FedLoan Servicing contacted me to let me know that I had entered an incorrect employer FEIN/EIN number on my application and requested a copy of my 2020 W-2 from that same employer. I submitted the W-2 as requested as evidence of the correct FEIN/EIN number. I was then informed that because I had initially entered an incorrect FEIN/EIN number on my application they had closed my case and require that I start the application process all over again ( aka : go to the back of the line ) despite their having the correct FEIN/EIN now in their possession.

This seems egregiously unfair. Apparently FedLoan Servicing continues to deny PSLF applications based upon easily resolved technicalities Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request to the Credit Reporting Agencies to please do their job accordingly. I feel like the Credit Bureaus are doing their best to correct my Credit File or perhaps they are not doing anything at all. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File that resulted due to identity theft. I previously sent a dispute letters on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the identity theft report I received from the FTC. Once again, these accounts and information that are being reported on my Credit File are unknown to me and needs to be deleted as soon as possible. Under the provisions of the Fair Credit Reporting Act, I am in need to remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt has been charged off by a third party. This company is reporting fraudulent inaccurate information on my credit report.I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. I also have never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated my rights under code15U.S.C. 1681s-2 ( a ) ( 1 ) ( a ).
Product: Checking or savings account

I put in a fraudulent dispute with netspend about {$500.00} of my money that was stolen off my card at the atm. I explained that my money was unauthorized and they requested I get a new card as a result of that. I then submit a letter asking for provisional credit. they denied me saying they didn't see anything wrong and they closed my dispute. They provided no proof or explanation. They are shady people and this company didnt do anything but put me on hold for hours on the phone, and I just want a resolution from this. I contacted them and tried in good faith to resolve this issue. This is in fact fraud and the bank won't recognize it. I was supposed to get a provisional credit on XX/XX/year> instead they denied my claim so that they didnt have to give me my money back. This is taking a toll on my mental health and Netspend did nothing with getting my money back.
Product: Debt collection

I received a offer from a debt collection company in XXXX with a offer at a reduced price to settle the debt for XXXX. We accepted the offer and settled debt in full. I have receipt of this debt. The difference between the original amount due and the offer is around {$150.00} and now another debt collector is calling me in XXXX for the difference. I have called XXXX and they refuse to help me or speak to me but forward me to the new debt collection company. I refuse to speak with this new company as I feel its a violation sharing my information and reporting on my credit therefor I wont offer my information to them, which would be volunteering my information. their # ( XXXX ) XXXX but XXXX has shared my information with this debt collector after the debt was settled in XXXX. I 'm filing a separate complaint about the debt collection company this is for XXXX.
Product: Mortgage

On XX/XX/2022, my significant other and I initiated a mortgage refinance loan application with E Mortgage. We were told our approval rate had gone down 2 days prior to the closing day of the loan. Once we got to the closing with the assigned notary the documents did not align with what was discussed. It turned out we were paying for a points-by-down. We never agreed to such a commitment. We didn't get the opportunity to review the closing disclosure until the afternoon of closing. I noticed the fees didn't add up so the loan officer was called to briefly go over the document Closing Disclosure. We didn't get a realistic time to review the document in its entirety. 

Fast forward to XX/XX/2022, checks were disbursed for payment to creditors. Multiple checks were not the pay-off amount that was due to the creditors at the time of processing the loan. The accounts weren't utilized and the final balances were off by several dividend amounts. This caused a continuous stream of interest and credit card debt. We are currently paying a higher mortgage with half of the accounts still having a remaining balance. Multiple credit card accounts were also CLOSED due to unauthorized payments and returned checks. ( same issuing creditor for multiple accounts ). It is now XX/XX/2022 and payments still are returning after the reissuing of the checks. With the same inaccurate amounts.
Product: Debt collection

In XX/XX/2023, I entered into a settlement offer with XXXX XXXX which is the third party collection agency that represents Hyundai Capital America. I originally owed {$7500.00} to Hyundai Capital America. Between XX/XX/2023- XX/XX/2023, I have made payments totaling {$3800.00} per the settlement agreement and have satisfied my obligation. I received a letter from XXXX XXXX indicating that I have met my obligations and they have submitted documentation to Hyundai Capital America indicating the same however, Hyundai Capital America will not update my credit report. XXXX XXXX have stated on numerous occasions that they have provided all documentation to their client, Hyundai Capital America however, Hyundai Capital America continues to allege that XXXX XXXX have provided them with nothing. I've offered to send the settlement in full letter to Hyundai Capital America however, they told me that even if I send the letter, they will not update my credit report without the actual correspondence from their third party collection agency, XXXX XXXX. I have even offered for all three parties ( myself, Hyundai Capital America & XXXX XXXX ) to do a conference call to assist in resolving this issue however, both XXXX XXXX and Hyundai Capital America refuse to cooperate with me in doing so to resolve this issue. I have requested to speak with managers with both organizations to no avail in a resolution.
Product: Credit reporting or other personal consumer reports

Thank you for your immediate attention. 
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this time frame, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX [ Consumer Protection Bureau Department ] Subject : Complaint against PayPal regarding Account Suspension and Funds Hold Dear [ Consumer Protection Bureau Department ], I am writing to file a formal complaint against PayPal regarding the sudden and unexplained suspension of my account, associated with the email address [ XXXX ], and the holding of funds amounting to XXXX Euro without valid reasoning or communication from our both sides account. 

On [ XXXX XX/XX/XXXX ], I made a payment of XXXX Euro to my supplier, whose PayPal account is [ Supplier 's PayPal Account : XXXX ]. Following this transaction XXXX both my supplier 's and my PayPal accounts were blocked without any specific explanation or prior notification. 

The actions taken by PayPal have caused severe financial distress and disruption to our business operations. Despite numerous attempts to communicate with PayPal support, we have not received adequate clarification or assistance in resolving this matter. 

I believe this sudden suspension and holding of funds without a clear explanation violates PayPal 's policies and our rights as users. We have been loyal customers of PayPal since XXXX, maintaining a good standing and compliance with their terms of service. 

I kindly request the Consumer Protection Bureau Department to investigate this issue thoroughly and help facilitate the release of the held funds to restore normalcy to our business operations. Additionally, I seek clarity on the specific reasons behind the account suspension and the steps required for resolution. 

Enclosed with this complaint are the relevant transaction details, screenshots of communications with PayPal support, and any other pertinent documentation supporting our claim. 

I hope for a prompt and fair resolution to this matter and am open to providing any further information required for the investigation. 

Thank you for your attention to this urgent issue. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I received an emailing requesting my freelance services from a legitimate email to which I agreed. We discussed payment options over email and phone messages, to which the sender requested I received a larger check amount and to send a part of the money to another account. I did so that day accounting to XXXX through a XXXX transfer. 

On Monday XX/XX/XXXX the sender requested another service and proceeded to send me a mobile check of the payment plus additional money to wire to another account. I wired over XXXX  and XXXX  to the same account. On Tuesday XX/XX/XXXX I received notice that all three checks were unpaid and deducted from my account. 

I lost the total amount of those XXXX payments as a result, and would like to try my best to get the money back, as I did not use that money in any way. My banking services did not offer me any possible steps to pursue this action.
Product: Credit reporting or other personal consumer reports

I was a XXXX XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I was XXXX  all of my personal belongings were stolen from me. As of recent I found out that my social security was floating on the XXXX market and used to obtain lines of credit that I did not authorize.
Product: Credit reporting or other personal consumer reports

The late payments listed aren't consistent with my usual payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Prepaid card

There was a transaction from XXXX  wherever that is for {$220.00} on the XXXX XXXX I got y'all to contact them since they wouldn't answer the phone. They finally contacted me about 7 days ago. They said they would send questions for their investigation, and I would have 10 days from the date of that call to return it if I wanted a provisional credit while they do their investigation. I have gotten no letter, and I have e-mailed them twice with the email I had to ask for with no reply.
Product: Money transfer, virtual currency, or money service

I Had XXXX dollars in cash app. On XX/XX/XXXX someone got into my account and stole my money. I reported it immediately and filed a dispute. i called them back two days later and they shut the case without investigation. they let that person take my money. I lost XXXX dollars and cash app will not do a XXXX thing. Also someone took over my account with cash tag XXXX and they will not do anything to help me. 
i have filed an identity theft for other reasons and cash app is of no use to me. they owe me XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX is send me collection papers representing themselves as Scott & Associates PC. They have yet yo prove I owe the debt, but they are sending letters from an attorney.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX : Account Number : XXXX- Account Name : XXXX XXXXXXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.