23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened an account and made one purchase at XXXX. I understood that I would receive a card and statement in the mail. I did receive the item purchased fairly quickly but waited to receive a statement. One did not arrive until XX/XX/2021, a full 3 months after the purchase and to date I have not received the credit card. Without the credit card or statement I did not have the account number nor the phone number to know how to contact the company. When I did receive the statement on XX/XX/2021 it indicated {$100.00} total fees charged and interest charged of {$2.00}. The statement I receive does not indicate the item purchased or the amount of the purchase but based on simple math it would appear that the items purchased was {$25.00}. 
I called to make a payment and to ask why I had not received a card or a statement prior to this date. I was told that the statements were paperless ( which I did not request ) and they only verified my address but had no response to my inquiry about the card. I have always paid my bills and would have done so with this company had I received any information. I did not find any emails and can only assume that they went to spam and eventually disappeared. 
The representative do nothing to abate my concerns and told me they have now closed this account. I did pay all of the balance due on the account but can honestly say this is the worst experience I have ever had with a credit card company. Not only will I not use this company ever again, I will not be making any further purchases with XXXX since they are using this company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I paid a debt in full of {$560.00} from AWA ( Adler Wallach & Associates ) Collections on XX/XX/21 since then they have not removed the debt from my credit report as promised or updated the amount. I called multiple times and they have hung up in my face, I've asked for a manager they say there are non available. They claim that the debt would be removed in 60 days nothing has changed on my credit report, and they have no answers of why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM TRANSUNION ON XX/XX/XXXX AND WAS REINSERTED ON XX/XX/XXXX. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED
Product: Consumer Loan

In XXXX XXXX, my lease for a XXXX XXXX XXXX had been completed. In lieu of returning the vehicle to Ally, the lease holder, I traded-in my leased vehicle to the dealership when I purchased my new vehicle. The vehicle was never returned to Ally but they have filed a collection against me and my ex-husband for excess mileage fees. Had the vehicle been returned to them, they would be entitled to these fees but since the vehicle was purchased by the dealership where I purchased my new vehicle, they are not. Section XXXX of the XXXX XXXX Agreement ( Excess Mileage Charge ) clearly states, " There is no excess mileage charge if you buy the vehicle ''. Since only XXXX outcomes are possible at lease end - purchase or return the vehicle - and the vehicle was purchased, Ally is not due these fees. 

NOTE : My new vehicle purchase was financed with Ally Financial as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : XXXX XXXXXXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

15 U.S. Code 1681i : Specifies the procedure for disputed accuracy, which includes timely investigation and correction of inaccurate information.

15 U.S. Code 1681s-2 : Obligates furnishers of information to report accurate information to credit reporting agencies. 
If this issue is not resolved within 30 days, I will be forced to take legal action for violating my consumer rights under 15 U.S. Code 1681n and 15 U.S. Code 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/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 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: Mortgage

I paid off my mortgage on XX/XX/2021. I am owed a refund of {$4500.00} ( as well as payoff confirmation letter, promissory note, etc. ). It is now XX/XX/XXXX and I still have not received anything from Flagstar Bank. Their website has a chat with customer support feature but every single time I check it says unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I've requested debt validation twice from XXXXXXXX XXXX  XXXX and have not received any information about my request. On XX/XX/2023, I asked for the following : A breakdown of fees, including how they calculated what they claim I owe. 
A copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Proof that this company is licensed to collect debt in my state. 
They have updated the account status to closed. However, I want it to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that Bank of America made a hard inquiry on my account. I did not authorize this inquiry nor do I intend to open a credit card with Bank of America.
Product: Vehicle loan or lease

I don't remember the information. But I received a loan from XXXX  main financial and they recommended me to the car lot I went to and they sold me a car with a bad XXXX. When I went back they didn't want to give me XXXX  and I was on the verge of losing my job due to that. I went to XXXX main and they were no help at XXXX  to XXXX XXXX the car they gave me was less  then the loan I was approved for
Product: Consumer Loan

I am not sure if I contacted you already. My dad suggested I contact your company and I contacted someone but am not sure if it was this company. My situation. 

I cosigned for a loan with a company called Elder Life Financial for a family friend. It was to be reimbursed by the VA. However, after getting the loan she became sick ( XXXX ) and passed away. I was unaware the proper paper work was filled out because although my name was on the loan I was never contacted unless a payment was late. Since her passing I have contacted the company numerous times ( upwards in the XXXX ). I have requested to speak to managers, anyone who can assist me in the situation and never received a call back. Most recently a gentlemen named XXXX XXXX who is in charge of the account supposedly has been contacted and left message after message with no response. Currently the payments sent our " interest only '' and have been for almost three years. The family friend making the payments as it was her mother the loan was for is on XXXX and can only afford a certain amount each month. It is difficult for me to assume responsibility for this loan as I am about to go back to XXXX in 6 weeks. Not to mention the company says the loan is to be paid in full by XX/XX/2016 and if not will turn it to collections. I can not get in touch with anyone to assist me with this matter. I have worked very hard to obtain a good credit standing and this is on the verge of ruining it. This is something I have no control over and I have no doubt it would have been handled properly had she not passed away. I am at a loss for what to do and would greatly appreciate any assistance you can give me. Thanks!
Product: Debt collection

I traded my 2017 XXXX XXXX in, but Santander XXXX still posted the payment as showing negative on my credit. The dealership paid off the remaining balance on my behalf. I never missed a payment until I traded the vehicle in. They still placed the negative payment on my credit report. I need it removed.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a committed PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I made a payment to my loan company for my total balance I told them I would make my next payment on XXXX XXXX I ended up being in the hospital for unforeseen circumstances in XXXX XXXX my car was repossessed. Someone drove it away. I just signed my loan papers on XXXX XXXXI have had the car less then 2 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Product: Vehicle loan or lease

I have been attempting to cancel my extended warranty and gap insurance on my XXXX XXXX that I bought from XXXX XXXX. I bought the car XX/XX/XXXX, and have been attempting to cancel these services since XX/XX/XXXX and have made no progress. I have driven to the dealership multiple times and have been turned away, and have called everyday for the past XXXX days, in addition to several times before this and have been promised an email to cancel the documents that has never been delivered. The phone number I have been calling is ( XXXX ) XXXX. I have been speaking to XXXX and XXXX in the finance department. 
I was trying to cancel my services within the first 30 days to get a full refund, but the dealership did not allow me to do so. I have been unable to cancel these at all, and am frustrated because I do not want to pay for them anymore. 
I financed through Chase Auto Loans and called when trying to cancel my products and informed Chase I did not want these products and wished to cancel. Chase said they could cancel these products. When I followed up with Chase when these products were not cancelled, they informed me that I would have to cancel through the dealership and they could not help me.
Product: Debt or credit management

Resurgent - LVNV Funding LLC - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased an item through lay-way from XXXX XXXX  on this date I made a payment of {$100.00}. Prior to the payment I made another payment completing the amount for the Merchandise which was on XX/XX/2020 in an amount of {$1100.00}. XXXX  XXXX  refunded me the total amount of {$1200.00} to my account on XX/XX/2020. My card had a hold on it due to the amount of money being refunded back to the card to verify if I made that purchase. When the hold was lifted I noticed the amount wasn't added to my card. I called to verify about the amount. Representative explained to me that the money was sent back to the merchant on XX/XX/2020 as adjustment debit, due the fact the card only had a limit of {$1000.00} for returns. I've followed up with both merchant an TD paycard services to resolve the issue of my money but I haven't been able to get a answer as to where my money is at.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXXXXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Debt collection

I received a scam collection notice from XXXX XXXX, XXXX. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of Paypal Inc. I have never used any Paypal credit products and do not owe any money.
Product: Money transfer, virtual currency, or money service

Paypal has me on a 60 day " new account '' status. That status expired around the XXXX of XXXX. They hold every payment received ( past 75 days roughly ) for up to 21 days and make my customers mark payments as " received '' every time in order to receive funds sooner. In addition, when I do receive the funds, they often times try to place a hold of 24-72 hours to withdrawal the funds " instantly '' -- I have 2 debit cards attached and they offer this option to anyone including me depending on how their computers feel that day. I am spending more for life expenses because I have to pay with Paypal instead of cash or with my own debit card. Not to mention {$.00} per transaction that I do to withdraw funds because they don't let over {$90.00} go in one transaction ever. XXXX says there are no holds or security issues with my account. She has failed to transfer me to a manager, although she says she's a manager. They offer many excuses why things don't work, including general problems affecting all accounts for withdrawals, XXXX cards delaying withdrawals, etc. This has gone on Since XX/XX/2018 roughly. I have complied with all their rules including doing 5 transactions, including {$150.00} in funds sent/received, and waited 60 days. As of right now at XXXX, I am unable to withdraw {$1.00} from money received 2 1/2 hours ago. Those funds were released by the customer immediately. I'm on hold now for maybe 60 minutes waiting for " XXXX '' to come back. I'm on this call XXXX minutes as of right now. Paypal can not explain nor correct the issues 1 ) not placing ALL received payments in the " pending balance '' subject to up to 21 days to release and b ) making funds available consistently and fairly for instant withdraw as any other customer can do. They offer no explanation and offer no solutions. They are discriminating against me for some unknown reason. I am ALSO unable to add Paypal to XXXX XXXX through their service. A Paypal rep has said before it's a " security risk '' issue. They have suspended my account in the last 90 days at least twice and I had to submit copies of ID and invoices both times to get my account unfrozen. PLEASE make Paypal explain why they are unable to treat me the same as any other customer whereas I am no security risk and I have met all of their conditions. In addition, they hide their regulatory complaint info on their site. You have to go to " Legal '' link at bottom and then choose " License ''. " License '' is buried in the middle of a bunch of other options. They don't want you finding regulatory complaint info. Account : XXXX XXXX
Product: Debt collection

I have had numerous instances of 3 to 5 calls a day the only info that comes up on my phone is their phone number ( XXXX ) XXXX. There is no corporate identification and they NEVER leave a message..NEVER ... But Nissan is quick to report me to the credit agencies ... I believe that they want me to be late so that they can collect the {$5.00} late fee ... I was called today ( XXXX ) and the service agent that called did not see that I had paid the late balance and they tried to get me to pay again. 
These people are inefficient, immoral and possibly illegal in their business practices. 
They must change how they collect past due amounts. And, I am set up for electronic statements and here again, I NEVER get a monthly statement from this company. 
For my benefit and for the benefit of all of the people who have been hurt by the eventual report to the credit agencies, please make them change.