23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt was for the XXXX in ma I was unaware of this debt nothing was ever sent to me. when I went to go get my license I was denied it was non-renewable until I paid this debt to Penn credit. On XX/XX/XXXX Penn credit I verbally asked for a validation letter the original creditor they did not send me one. On XX/XX/XXXX I called Penn telling them we're is my validation letter. They said that they have to speak to the original creditor for me to get any information. I then filed a complaint. CFPB ON XX/XX/XXXX. I RECEIVED A RESPONSE FROM XXXX XXXX ON XX/XX/XXXX ABOUT THE COMPLAINT HE ACKNOWLEDGED THE DEBT THEY ARE SEEKING AND THEY WOULD RESPOND WITH THE VALIDATION LETTER AFTER SPEAKING WITH THE ORIGINAL CORRECT CREDITOR. Who he would not reveal when I asked I RECEIVED NOTHING FROM THEM. ON XX/XX/XXXX I LEFT A VOICEMAIL FOR XXXX ASKING HIM FOR HIS HELP WITH THIS VALIDATION LETTER THIS IS MY LICENSE AND I WAS XXXX  XXXX XXXX THEM XXXX I HAD DOCTOR 'S APPOINTMENTS IT WAS CRUCIAL THAT THIS WAS TO BE TAKEN CARE OF AS SOON AS POSSIBLE I DID NOT GET A RESPONSE FROM XXXX. ON XX/XX/XXXX I SENT A LETTER TO THE STATE DEPARTMENT and XXXX XXXX, he reached out to me and stated that pen collections did not get back to him he made a follow-up phone call and still there was no response XX/XX/XXXX legislation aid representative of XXXX XXXX XXXX State House I ALSO SENT INFORMATION ABOUT MY BACK PLATE BEING STOLEN. I'm a XXXX  XXXX survivor and I'm XXXX as well I made that very clear I did not receive one piece of paperwork not one phone call not one email. I paid the debt I'm not sure of the date think maybe four months ago to get my license they held it hostage they did not help me they did not answer me and I would like information on filing a lawsuit.
Product: Debt collection

A personal loan application was submitted online with a fake email and my personal information. The loan request was for {$3900.00}. It was approved for {$2500.00} with 18 monthly payments of {$230.00}. When Sun Loan called trying to collect, I did not provide them the information as I thought it was a scam. I did call Sun Loan after looking them up regarding a loan that was approved online and without my signature. They would not provide me any other details on the loan other than it was approved and dispersed online. 

We discovered on XX/XX/2023, that my credit was compromised. We were leasing a car at XXXX XXXX in XXXX, NV when we were informed by the Finance Manager about the delinquency. I filled out paperwork to file with the XXXX Police Department but was told to file with the FBI. Additionally, we are filing a complaint with the Nevada Attorney General. 

Loan Company Info : Sun Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed some assets info SoFi checking and then transferred it to their investment thing. I had transferred my funds to the XXXX XXXX and they immediately froze my XXXX and wont let me add or withdraw from the brokerage. I have called numerous times for more information and they have never provided me more information
Product: Debt collection

I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.
Product: Checking or savings account

Chase Bank. 
Checking Account. 

On or around XX/XX/XXXX, I was alerted that my Chase account was overdrawn. I quickly made a check deposit online for {$200.00} to resolve the negative balance. It was my indication that the check would post the following business day XX/XX/XXXX. 
On XX/XX/XXXX I made several purchases including my medication at XXXX. Come to find out Chase had put an 8 DAY hold on a check they already knew was good. As a result I was charged 3 {$34.00} NSF fees which resulted in my balance going negative. I called Chase and the hold on the check was released, I was told the hold SHOULD NOT have been placed. I sent Chase a message via their secure message service requesting a refund of the NSF fees, I was essentially told I don't " qualify '' for a refund. I've been a Chase customer since the 1980 's, I've deposited $ 10s of thousands of dollars to them. I've recently been the victim of a theft from my Chase accounts. All I'm asking for is a measly {$100.00} refund.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have a dispute with Conns Credit regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.
Product: Credit card

I am closing out my business credit card through Wells Fargo and they will not honor my rewards points. I have attempted to redeem them and request product from their rewards website and they cancel my orders. They will not ship me anything they will not honor the rewards. They will not let me to cash out my rewards. They will not answer their phone calls. They will not answer emails anytime I do get connected through a phone call they have me on the phone for anywhere from 45 minutes to 2 hours and then call gets dropped or disconnected. Ive attempted for the last 20 days to handle this and they refuse to cooperate communicate and honor my rewards points that I have earned. I just want to redeem my points get the money and products that I deserved and close the accounts out. I will no longer do business with Wells Fargo ever again, but they should not be allowed to treat customers like this.
Product: Debt collection

There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.
Product: Money transfer, virtual currency, or money service

I got a limitation on my business PayPal account XXXX. 
The reason : " we decided to permanently limit your account as there was a change in your business model or your business model was considered risky. This could be due to how and when items or services were sold and delivered and your inventory management. '' I have an online game with several hundreds of active players. My game is free for download and play. To play my game it is necessary to register an account, download game client files, install it and run on XXXX. 
On a game website there is a page which allows you to buy virtual currency using PayPal. There are several options available to purchase ( payment_page.jpg ). When you click the desired option, the website redirects to the PayPal payment page. 
After payment the user redirects back to my website and my system adds purchased virtual currency to the user game account and logs all information about payment to my records system. 
Once payment is handled and virtual currency credited to the user game account the user can use this currency in the in-game store to purchase any desired game values. 

I have had this business model since I registered a PayPal business account and have never changed it. In my personal opinion, such a business model, when a user buys in-game virtual currency for real money and then spends it on in-game values, is one of the most popular among current games ( especially in games on mobile phones ). 
I have carefully read the PayPal Agreement and Rules and can assure you that my business model does not violate the rules and complies with PayPal 's terms of use. 

I have an account in another country XXXX which have XXXX completed orders and good seller reputation. I can not use this account ( country restricted ) but this account proves that I am good seller and can do business with PayPal. 

I want PayPal to lift all limitations on my account. 

My case ID is XXXX I have attached a file to show how payments are processed on my website.
Product: Checking or savings account

I have been using Chase Bank 's Bill Pay to pay my XXXX bill since XX/XX/XXXX of 2018. XXXX claims that it has not received my payments since the mentioned date. I contacted Chase by phone and in person several times, but no one is willing to help me. I asked Chase to refund the money to my account so that I could pay XXXX using a different method. Chase said that they can't do that. I went to the bank and showed them correspondence from XXXX stating that they have not received the payments. Chase is still unwilling to pull back the payments and refund it to my amount. No one at chase is willing to take responsibility or help me. I ask that they refund the money since the merchant says they haven't received it.
Product: Credit reporting or other personal consumer reports

To : XXXX, Equifax, and XXXX Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  - Charge-off for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, Equifax, and XXXX also remove these unverifiable debts from my credit file.

Relevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.

Section 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. 

Since XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.

Legal Consequences for Noncompliance : If the investigation by XXXX, Equifax, and XXXX fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. 

Furthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.

Request for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : Formal Dispute Regarding Inaccurate Information on My Credit Report! 

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlights systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

Disputed item 4 times and asked for proof of investigation with no response, had to reach out to the creditor myself in order to get a response.
Product: Credit reporting

I called Equifax on XX/XX/2016 about credit inquires that were not authorized by me on my credit report. I was told by the representative that they do n't have to remove anything and that I should call each company. I also faxed a letter on XX/XX/2016 asking for the removal of such inquires. I did not give any of the companies authority or permission to pull my credit and inquire and no true credit was given to me. Equifax reps was very rude and disrespectful. I made multiple call attempts and faxes sent in multiple times hoping for change.
Product: Debt collection

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust. 

MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting

We have closed the collection with XXXX group and paid the bill in full on XXXX XXXX, 2015! We have contacted the company and they still have not taken it off of our report!
Product: Debt collection

I am writing in response to your claim that your company is a licensed debt collection agency in the state of Massachusetts. After reviewing the official Massachusetts Division of Banks ' list of licensed debt collectors as of XX/XX/year>, I was unable to find " FST Financial Resources '' listed as a registered entity.

Under Massachusetts General Laws Chapter 93, Section 24A, debt collection agencies operating within the state are required to be licensed by the Massachusetts Division of Banks. Your failure to appear on the official registry suggests that you are conducting debt collection activities without proper authorization, in direct violation of state law. 

Furthermore, under Massachusetts General Laws Chapter 93A and 940 CMR 7.00, unlicensed collection activity constitutes an unfair and deceptive trade practice, exposing your company to legal and financial penalties. Additionally, any reporting of this alleged debt to credit reporting agencies while operating without proper licensing may also constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), subjecting your company to statutory damages, punitive damages, and attorneys fees.

Given this information, I demand the immediate removal of the derogatory mark placed on my credit report, as your company lacks the legal authority to collect or report this debt. 

I have included the Divion of Banks verifierd debt collectors ( in which FST FINANCIAL RESOURCES doesn't make the list ) It has also come to my attention that the response references FFR ( First Financial Resources ) from the XXXX  which is not listed anywhere on my credit report. My dispute is strictly regarding FST Financial Resources, the entity that has reported a derogatory entry on my XXXX credit report.I have identified that FFR ( First Financial Resources ) and FST Financial Resources are entirely separate entities. 
Specifically : FFR ( First Financial Resources ) operates as a contingency-based collection agency.

FST Financial Resources, on the other hand, appears to function as a consulting firm for CPAs, with separate operations and likely a distinct ownership structure.

Given this material distinction, I request that the response provided by [ Debt Collector ] be corrected to accurately reflect FST Financial Resources as the entity in question. Any reference to FFR ( First Financial Resources ) is irrelevant to my dispute and should not be considered a valid response.

As previously stated, I maintain that FST Financial Resources has improperly reported an alleged debt on my credit report in violation of federal and state consumer protection laws. I expect a response that directly addresses this matter in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the No Surprises Act, and applicable Massachusetts regulations.
Product: Debt collection

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with XXXX XXXX XXXX  resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Product: Debt collection

I am getting duplicate charged from the hospital. The bill and all amounts due were paid at before I was XXXX from the hospital. They told me this before I left. Copays and deductible were paid to the hospital yet they are sending me a second bill for the exact same service that I already paid. I think this is unlawful and I do not owe the amount they are billing.
Product: Money transfer, virtual currency, or money service

Coinbase allowed two transactions and then withheld my money after successful transaction completion.

Coinbase refuses to discuss the matter and has stolen my money.
Product: Debt collection

I was sent to Credit Collection Services ( XXXX XXXX XXXX XXXX, MA XXXX ) by XXXX  XXXX. I have contacted both companies several times. Neither has addressed the situation and are unwilling to look at the facts. I have also disputed the account on my credit bureaus. Credit Collection Services continues to use inaccurate and fictitious information to confirm my debt with the credit bureaus. 

On XX/XX/XXXX I was sent to collections by XXXX XXXX. At this time I was actually owed {$870.00} from XXXX. I had a settled claim that was started on XX/XX/XXXX by XXXX XXXX, my auto insurer at the time. The claim had been settled in my favor and money owed for nearly a year before I was sent to collections. I had to make 20-30 phone calls to XXXX in over a year 's time to be compensated. I was given excuses that the check had been lost in the mail. I received other excuses that they had a high turnover in their claims department and that previous representatives left items undone. I was told by XXXX that I was sent to collections because their claims department and billing for insurance was separate. I was told that it didn't matter that they owed me money, I still had to pay them for services rendured. I cancelled my services with XXXX and got another provider over this incident. I also told XXXX  I would not pay them the {$210.00} I owed until I received my payment of {$870.00}. I also recommended to them that they take what I owe out of the balance due me. They did not. I did not receive the {$870.00} until XX/XX/XXXX. This was four months past the time I was sent to collections. 

I have provided proof of these statements directly to Credit Collection Services but they continue to fraudulently attest that my bill is accurate to all 3 credit bureaus. I have documentation directly from XXXX XXXX 's website that supports my statements. I would like XXXX XXXX and Credit Collection Services to be investigated. 

My credit rating has been damaged by these companies and as a result I'm paying higher interest rates and have not been able to gain approval to buy a home. This is a defamation of character. Please help in any way possible.
Product: Credit card or prepaid card

Made a purchase from Amazon using my Amazon credit card XXXX for XXXX. Merchandise was defective, returned the purchase however refund was put on gift cards. Amazon refuses to correct refund method, also has forced additional purchases to be taken from gift card without my authorization.
Product: Credit card or prepaid card

Citibank N.A. has charge me a disputed late fee that started at {$26.00} and has grown to {$320.00} as of today, XX/XX/XXXX. I feel that I paid my bill on time on XX/XX/XXXX. It took 5 days to process this payment on XX/XX/XXXX and I feel that it was paid on time by me thru bill pay from my bank. I cancelled my account on XX/XX/XXXX because of this problem. I have contacted this bank by telephone and written information requesting that they were doing me wrong by wanting to charge me a late fee for this transaction. My XXXX SCORE has dropped from XXXX to XXXX due to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for the dispute previously submitted and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

Feb/Destiny have placed an hard inquiry on my credit report dated XX/XX/24, which I have not applied or given any written consent to this company, to do so.