23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union concerning multiple overdraft fees assessed to my account. Despite having sufficient funds at the time transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices by XXXX XXXX, where transactions were settled with insufficient balances despite funds being available at the time of authorization. I believe these practices are unfair, and I respectfully request a thorough investigation into my account transactions.
Product: Debt collection

In XX/XX/2016 I contacted XXXX to transfer my internet service to my new address effective XX/XX/2016. I was told that I could reduce my bill to {$39.00} a month from {$59.00} by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the {$39.00} a month was never honored. I contacted XXXX on XX/XX/2016, and spoke to a XXXX who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for {$59.00} a month. He said that left me owing a balance of {$47.00}, which I promptly paid, and was told that brought my balance up to current. On XX/XX/2016 I received a collection notice demanding payment of {$150.00}. I called multiple times ( I have the hours of calls recorded ) and they never did amend my bill as they were supposed to. They disconnected my service and turned me over to collections, and I 'm receiving phone calls that are extremely rude. I do not owe XXXX a XXXX.
Product: Checking or savings account

Hi, I have a checking account with MIdfirst Bank, this bank have debited my account without my permission and stole {$60.00} from my money. I have contacted them and they claimed that the money was in collection of my daughter 's account XXXX, who is disputing a transaction as fraudulent and un authorized and the dispute is still being investigated by Visa. They have closed my daughter 's account ( which I'm not part of it ) and charged my account for the disputed amount. This is plain theft and fraud. 

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

My friend sent me {$200.00} on venmo so I could get him a new gaming device while he was at work. I tried to transfer it to my bank account so I could withdraw it and use said money to get his device. It would not transfer so I tried sending it back to him as I didn't want to keep his money. It wouldn't let me send it back either and kept giving me errors. I made another attempt to send his {$200.00} back, and suddenly my account is frozen. It's been frozen for days and I need to send my friend his money back desperately. This isn't fair to my friend and Venmo is barely replying to me regarding this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.
Product: Credit card

I performed a balance transfer and the check was mailed to Sallie Mae. my Sallie Mae credit card. XXXX. The bank recieved the fund but said it was sent to the wrong address. Then it took them more than 14 days to deposit the fund into the account to make my balance current. In the meantime I was charged a late fee along with interest on the account that I should not have. According to regulation cc once a financial institution receives a payment in the mail they are required to deposit it. Its not my fault as a consumer that they dont know how to perform there functions correctly and now are negatively impacting me financially. They are trying to say its my fault that it wasnt sent to the correct address but I did send it to them. I reached out to them and explained the situation they gave me the run around and sent it to a supervisor never spoke to the supervisor and they denied my claim to waive the interest and thats not right. They faulted in their responsibilities and are trying to have the liability be on me. I did everything correctly on my end. They are at fault and now Im being charged interest on interest that I shouldve never been charged. They are taking advantage of people and they should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. 
Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. 

Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items To Experian Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ).

These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX XXXXXXXX XXXX  Account # XXXX I was never late on this account. please update to never late/paid as agreed. 
Thank you for your time and help in this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I recently reviewed my credit report and noticed several unauthorized hard inquiries. They are negatively impacting my creditworthiness. Please remove these inquiries from my report promptly.
Product: Credit card or prepaid card

XXXX closed my account without any knowledge. After the last payment was made they immediately closed my account. 

I contacted XXXX and they stated they have the right to close accounts if they see it deem fit.
Product: Credit card or prepaid card

In good faith I used my XXXX credit card to pre-pay for a car ( rental ) using their website last weekend. Once I arrived at the XXXX  XXXX  place I was then charged {$300.00} additional dollars, and told that XXXX had only sent them {$50.00} of the {$200.00} that I pre-paid them for the car and the Insurance. When questioned, the gentlemen at the XXXX  XXXX  placed mentioned that I should call XXXX because they are fully aware that the insurance that the offer does not work in Colorado, does not cover the entire amount needed. I called XXXX at least 3 times and was informed by three different agents that because the " rental '' was non-refundable I would not be able to be refunded. Due to the contract not being honored, the manager at the XXXX XXXXr place refunded me and I never accepted the car rental. I was not to have to pay anything for the car since it was pre-paid, and since they required me to purchase additional insurance because as they put it XXXX knows that their insurance is not sufficient, I was refunded and let out of the contract and was forced to rent somewhere else. They sent me off with a receipt showing me that XXXX failed to pay them the entire amount for the car and that they refunded me what they could. Since the contract was not honored, and I was forced to rent otherwise I believe XXXX should refund me for the pre-paid purchase of a rental car. Since XXXX is not an honorable company I will like the full refund, placing the card back to a zero balance so I can close out the account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated co report after your reinvestigation.
Product: Debt collection

A victim of identity theft also a common name which sometimes result in a mix of files
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing TRANSUNION to block this account from the credit report of XXXX XXXX.
Product: Checking or savings account

I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.
Product: Money transfer, virtual currency, or money service

To whom it may concern : I received child support money on the way to go program debit card, third-party of child disbursement center of Illinois. The amount of {$220.00} was supposed to be put on the card XXXX XXXX was put on there and also cleared the same day to go to my XXXX XXXX account as it was set up for an automatic transfer. 
However, this information was put in wrong either through the app which mine shows 10 digits. I cant see all of it or through the way to go program or through the bank not sure about the funds were never put in my bank account. They were put into a wrong bank account. I want to just received the funds that are due to me. I have attached a letter of the complete complete description. 

I am also be in charge an out-of-state fee to use ATMs or go into the bank to a teller. I have include paperwork to show that thats clearly states out of state and then I also have attached places in my area that are allowed to be used for that debit card and today as of XXXX XX/XX/XXXX. I was still charged a fee and I am still in State.
Product: Credit reporting or other personal consumer reports

Dear Reader. 

I am writing to formally dispute a XXXX late payment mark that has been reported on my credit file for my XXXX XXXX account for the month of XX/XX/year>. This mark is inaccurate and resulted from a technical error beyond my control, which I would like to explain in detail. 

I had set up autopay for my XXXX XXXX to ensure all payments were made timely and without issue. However, I recently discovered that due to a technical issue on XXXX XXXX end, my autopay enrollment was unexpectedly XXXX without any prior notification to me. I only became aware of this issue after receiving a notice in my credit report. 

As a responsible borrower, I have always prioritized paying my obligations on time, and I had no reason to believe that my autopay settings were inactive. Once I discovered the issue, I immediately resolved it and ensured payment was made. I have since re-enabled autopay to prevent this from happening in the future. 

I kindly request that you review this matter and remove the inaccurate late payment mark from my credit report. 

This mark does not reflect my true creditworthiness or payment behavior, as the late payment was not due to negligence on my part. I respectfully ask for this error to be corrected at the earliest opportunity. 

Thank you for your time and attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Debt collection

XXXX Total due XXXX Letter was sent but no response XXXX Total due XXXX XXXX was sent no response Equifax Total due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  -- Account number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I used cashier 's check from Chase bank For XXXX XXXX that Arizona gentlemen did not Cash that day. I went back to XXXX Chase bank to cancel {$2000.00} check ( my name is XXXX XXXX ). 
I got my $ $ $ put back into my account then six days later Arizona guy cashed check & Chase bank looks at me like I'm on XXXX XXXX. Motorhome has no engine no door. Owner broke his promise about moving motorhome to fix it cause he never showed up.Meanwhile I purchased a XXXX later on oil mixed with water which someone intentionally did.Since Engine was fine from gecko it ran on get and everything. XXXX XXXX XXXX in XXXX XXXXXXXX CA XXXX I believe is behind lots my fraud that's going on my account. They enjoy popping fireworks everytime I show up see my blood son. 
Always trying intimidate me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX  yet they are reporting.
Product: Prepaid card

I have purchased a vanilla prepaid gift card and authorizations was purchased on the card before i could use it and i was trying to dispute the charge but no one responded and the service was no help.
Product: Debt collection

accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
# XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for
Product: Checking or savings account

Usaa has really mishandled this entire situation that I am about to explain. I contacted USAA a few months back to open a dispute about two debit card transactions that I wished to dispute. This is my only dispute in 6 months. Usaa concluded that the item in question nothing had been done wrong by the vendor. The vendor was a gym and they said in order for me to get a refund that I had to allow them to use my XXXX page and set my main profile image to their gym artwork and each time I was there I had to do a check in online or I could not get a refund ... USAA closed my dispute prematurely and reversed over {$400.00} in temporary credit because it sees nothing wrong with this conditional waiver to consumer privacy. 

I contacted Usaa this past week to find out why they did this and spent over 1.25 hours on the phone with them only to be told that I would have to reopen my dispute and that they would reissue a credit again, but it might take 1-2 business days to receive, this ended up not being the case as I called in on the 3rd business day and the rep said who ever I talked to before the call has given me wrong information stating that I would not be getting a temporary credit. This seems wrong that usaa see nothing wrong with the vendors behavior mentioned above and is refusing to side with me and charge back on the vendor. 

The entire handing of the matter shows that the left hand does not know what the right hand is doing at usaa XXXX XXXX 

I am requesting that usaa do the right thing and refund my money. 

Please do not call and communicate in writing only.
Product: Credit reporting 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. 
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 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: Debt collection

I have no contract agreement with Jefferson Capital System and did not authorize anyone to share my information. 
Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Debt collection

i checked my report and see fraudulent account. Kindly remove this as soon as possible in compliance to FCRA. Thank you. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report.