23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently especially during these rough times of COVID-19. This was my only source of income & they will not give me a reason nor will they release my money that I had saved and stored on the platform. My emails linked to my PayPal is XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft ad notified Equifax. as per dispute answer from Equifax they said they said the fraudulent item is not showing on my report. as per my XXXX XXXX account Equifax does still list the fraudulent account XXXX XXXX Opened XX/XX/2018.
Product: Vehicle loan or lease

On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.

After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.

As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX  ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.

I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.

And now, I can't even receive a response from anyone!
Product: Debt collection

WORLD FINANCE CORPORATION IS STILL REPORTING INACCURATE INFORMATION ON CREDIT REPORTS AFTER DEBT IS EITHER PAID OR DISCHARGE IN A BANKRUCPTY.
Product: Debt collection

On XX/XX/2021 I sent a letter to DISCOVER FINANCIAL SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

On XX/XX/XXXX, I ( XXXX XXXX XXXX received a report that my credit score had dropped. I went to look at each of the three credit bureaus ( XXXX, XXXX, and XXXX ). I had noticed that there was a debt collection claim regarding " Credit Bureau Associates '' with the original creditor named as " XXXX XXXX XXXX ''. The total of the debt claim was {$780.00}, and the claim from Credit Bureau Associates is dated XX/XX/XXXX. 

I have not been in the State of XXXX since XXXX, and I have never solicited or utilized any medical services in the State of XXXX. 

This is unequivocally a fraudulent attempt to receive payment from myself, XXXX XXXX, as I am not responsible for any service payment or claim in the State of Georgia. I have been a resident in the State of XXXX  since XXXX.
Product: Debt collection

I sent them a debt verification letter via Certified mail on XX/XX/ and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via XXXX, The so-called debt in question is in the amount of {$4200.00}.
Product: Checking or savings account

On XX/XX/2023 I received an email regarding a purchase on XXXX for {$380.00}. I contacted Wells Fargo immediately in the Sunday and Monday following this transaction. I told them I didn't authorize this transaction and I didn't know who XXXX XXXX the receiver would be. The stole this amount of money for me using my banking information which I never authorized this purchase at all. Wells Fargo helped me transfer into a new account and account and they denied my claim telling me that they believe the transaction was made by me or someone authorized by me. I have never used XXXX for any purchases now or in the past. I only ever use my credit card, debit card or I am aware of all purchases I commit to. Also in the mail I received a card notifying me someone was trying to remove my mother from my current account, which again I didn't authorize and find this activity very suspicious. I have changed all my current passwords for my accounts and would like this issue to be resolved.
Product: Bank account or service

US Bank accepted a deposit of a {$7200.00} XXXX XXXX check at its ATM on XXXX/XXXX/XXXX for our checking account. Shelter 's issuing bank is XXXX XXXX XXXX Bank XXXX XXXX. On the morning of XXXX/XXXX/XXXX our online access account information showed the funds available. This check was to replace the total loss of our XXXX XXXX XXXX When we tried to buy a replacement vehicle, the transaction was denied. When we called US Bank customer service, we were told a Fraud alert was place on account but we could go to a local branch to have the funds released at the manager 's discretion. That XXXX branch manager, said it must be done by our designated home branch manager. That manager said it would need to be released by the Fraud department. 
The Fraud department told us they tried to call XXXX XXXX XXXX Bank XXXX to verify the funds. When the XXXX bank refused, as they were instructed by XXXX XXXX to refer the call to their Home Office, the Fraud department place a hold on our account for seven business days. 
After XXXX hours of customer service, fraud, and local branch phone calls, we were told the branch manager of our home branch had the power and discretion to release the funds. XXXX at the local branch said we needed to have someone from the issuing bank verify the funds. We had the XXXX XXXX Home Office manager in charge of clearing checks, XXXX XXXX, XXXX, talk to the local branch teller, XXXX and branch manager, XXXX, XXXX, to verify the funds. The XXXX bank called them as well. 
The branch manager, XXXX, told us she would not release the funds, even after the money was received from the issuing bank due to bank fraud concerns. 
In the meantime, our account remains suspended. The branch manager claims their action is for our own protection and their against fraud. We are new to their bank, less than a year, but the excuses we received make me shake my head in wonder. Because we are newer accountholders, and the size of the check is larger than previously deposited, and the fraud department made the security determination, they would not accept the assurances of the other bank, the insurance company or us that this was not a fraudulent transaction and used the protocol of holding funds to shield their actual discretion. 
Amoung the numerous calls we made and the in person experience at the XXXX branch, we were told the funds would be released on the XXXX, XXXX and then XXXX. They are sticking with the XXXX. 
US Bank is holding our funds hostage to prevent the purchase of the replacement car, groceries, and whatever else we might need for the principle of fraud protection. 
I own a home, I have my XXXX children, and my wife has her XXXX children. We are both employed. We previously transacted our banking with a credit union. The replacement vehicle is essential to our health, well being and employment. The implication of their anti-fraud effort is insulting and unnecessary. They obviously do n't want our business, but they also need to release these funds. XXXX XXXX already released the funds so they can not replace the check issued for this deposit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX ( page 4 ), XXXX XXXXXXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX XXXX XXXX ( page 13 ), XXXX XXXX XXXX XXXX ( page 35 ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), EQUIFAX MORTGAGE SERVICES ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), FACTUAL DATA ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( I have never lived here ). 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by Macy 's. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from Macy 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently Macy 's had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including XXXX XXXX. The following month, Macy 's reported it again to XXXX XXXX, after they had removed it, at which time I called Macy 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting to my credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits .This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions..
Product: Debt collection

AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC . I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. 
XXXX ) The agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section XXXX. Harassment and abuse section XXXX. False or misleading representations section XXXX. Unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, ExperianXXXX, XXXX. Only lived at XXXXXXXX XXXX XXXX XXXX, OK XXXX
Product: Student loan

I took out XXXX XXXX XXXX  to finish my XXXX and XXXX XXXX. I graduated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ago. My loan started out as {$79000.00} and is currently {$100000.00}. I have paid every since then. When I exited college, no one talked to me about how to appropriately choose payments that would pay off my account.We struggled financially as a XXXX XXXX XXXX so picking the one of the lower payment was our choice. We knew it would take a little longer but we assumed that the balance would go down and we could change it along the way when things got better. My husband was laid off twice, so I took a forebarence for a year... again no one talked to me about how much my interest was or talked to me about getting me on another plan. When ever I would call to speak with someone, I was always left confused because I don't think they really knew what they were talking about. I've been a XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX  so once I learned of the XXXX XXXX I began applying, each time was told no I was missing something, we need a copy of your income tax form, and two years ago I heard " you need to have 120 payments but your plan is okay '' then it was " you are on the wrong payment plan ''. When I tried to get details about what they meant, I still didn't get any clarity to this question. Each time I called, the rules of the game changed! The last time I wrote to XXXX and was rejected I asked for something in writing so I could have proof, and something tangible to follow. I never received that letter. 
Mohela then took over and I have spent months jumping through hoops. I included every piece of correspondance with XXXX and a copy of my payments. I was so happy to see that it didn't matter about what payment plan I had been on, if I had a forbearance in the past, and suspended payments because of COVID counted. Bottom line is I've been on a payment plan for XXXX XXXX XXXX XXXX XXXX  and my debt didn't go down even by a penny, it increased by {$24000.00}, making my balance increase to {$100000.00}! I don't know about you but something is seriously wrong with this picture! I I just received an email from Mohela leaving me with 43 payments to still pay and because the payment had to be income driven, my payment has more than doubled!
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax Data Breach and these accounts need to be deleted immediately. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute this hard inquiry on my Experian credit report. Upon reviewing my report, I noticed that this inquiry is inaccurate and unauthorized. Below are the details of this disputed inquiry : XXXX Inquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize this hard inquiry or applied for credit with the creditor above on the date specified.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$820.00}, XXXX Date of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>,
Product: Credit reporting or other personal consumer reports

Companies continue to violate the consumer protection act I'm an XXXX  man and these harms and willfully knowingly and gross negligence has caused tremendous harm these items need to be removed or correct to reflect non adverse and non derogatory remarks on my consumer report and these companies need sanctions and injunctions and ordered relief urgently as this is an emergency restraint of trade breach of fiduciary duties as well as anti trust violations!
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681i Section 1A states the FCRA bank system is dependent upon accuracy and fairness. Any inaccurate reports directly impairs the efficiency of the banking system. Also a investigation must be conducted.

Also 15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX and XXXX acct # XXXX, has violated my rights. 

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.