23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I sent a complaint via CFPB regarding XXXX XXXX violating my rights and not contacting me and giving me the proper notice and time allowed to dispute the alleged debt prior to reporting to my credit profile. I requested the following information : 1.The tracking number from the notice with my signature upon delivery, confirming that I was made aware of this debt and given the opportunity to dispute it within 5 days of initial communication pursuant to 12 CFR 1006.34 Notice for validation of debts.

2. The purchase agreement between the original creditor and the collection agency.

3. Proof that youre licensed and authorized to collect on the alleged debt.

4. Agreement that bears my signature where Ive promised to pay.

5. Was the alleged debt assigned to a debt collector or was it purchased? 

Since I don't have a contract with XXXX XXXX, they failed to provide me the requested documentation. However, they instead chose to violate my rights further and harass me via email requesting payment on an unverified/unvalidated alleged debt! They also continue to report this to my credit files which has caused my credit score to drop significantly and has caused unnecessary stress while depriving me of my rights. I feel as though this effort to attempt to collect, is a direct retaliation for my complaint to the CFPB. 

XXXX XXXX is blatantly abusing my consumer rights under the supervision of the cfpb, by not providing the requested documentation, but continuing to communicate attempts to collect on this debt. 

I am not liable for this debt, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX which I just learned of AFTER my cfbp complaint and your attempt to collect which provided me with this account information. regarding my purported overdue balance of {$2000.00} allegedly owed to XXXX XXXX. Upon receiving your communication, I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secttion 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am herebuy demanding the following remedies for the damages incurred:1. Immeidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2. Immeidiate cessation of all further communication regarding the alleged debt via email or other means of communication.
Product: Credit card or prepaid card

Nordstrom has allowed other people access to my account. Please review this receipt. For the Nordstrom Notes, I see XXXX, XXXX, and XXXX. These XXXX people have invaded my credit/rewards on this Nordstrom card and it's probably related to all the other complaints I have filed with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, Arvest Central Mortgage Company mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time. 
We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that Arvest Central Mortgage Company is incorrectly reporting delinquencies while on forbearance. 

Thank you, XXXX XXXX
Product: Checking or savings account

XX/XX/2021 : I signed up for an Checking Account for XXXX XXXX XXXX. I received a confirmation email that my account application is pending. On XX/XX/2021, I received the conclusion of my account application for XXXX XXXX and they could not approve my application due to my identity. I schedule an In-person appointment at the local XXXX XXXX XXXX  in my area which is today at XXXX, XX/XX/2021. The Banker tried to help me open an account and he stated that he could not open an account for me because there is a company/organization that is blocking me from opening any bank account, which is FCRA ; Fair Credit Reporting Act. I researched about what the FCRA is and it now makes sense I can't get approved for any bank account. I want to clear my name with the FCRA. There was a incident where my identity was stolen and used to open a XXXX XXXX phone plan. I've tried getting a Police Report, visiting the local Social Security office near me and disputing it off my credit report. Unfortunately, I did not get anywhere. I want to open my own checking account and I have been waiting years for this to be cleared off my identity.
Product: Money transfer, virtual currency, or money service

This involves a fraudulent sale ( scam ) enabled by PayPal. 
My dispute stems from a sale of merchandise through XXXX ; two very expensive speakers were sold to a person using XXXX ; this person paid for them using his credit card and PayPal. He then arranged for XXXX to ship them from my location in California. 

They were allowed to ship shortly after the payment cleared PayPal ; the full sales price of {$1600.00} was paid on XX/XX/XXXX. The funds were held by PayPal until XX/XX/XXXX, at which time the funds were released to me. I then released the merchandise to the Buyer who then transported the speakers to XXXX XXXX and subsequently out of the country. 

Approximately two months later, Buyer filed a claim with XXXX claiming speakers were damaged in shipping ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ). Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition. PayPal notified me of this claim on or about XX/XX/XXXX and requested documentation that could be used to refute the claim. Documentation was sent immediately. On XX/XX/XXXX, PayPal informed me that the Buyers bank/ credit card company had sided with Buyer and my PayPal account was now " negative '' and to immediately add funds to cover the negative balance. I had heard nothing, nor been notified of any ongoing discussion. On XX/XX/XXXX, I spoke to the PayPal Resolution department ; they agreed the merchandise needed to be returned. On XX/XX/XXXX, the PayPal collection department called demanding payment and to deny me any further assistance from them. On XX/XX/XXXX, I called PayPal collection and was transferred to the Dispute Department after thirty minutes on hold the call was terminated ; no one answered in the Dispute Department. 

The merchandise remains in Buyers possession as of this date, XX/XX/XXXX. Buyer is non-responsive and refuses to return merchandise. PayPal refuses to either pursue a remedy with, or release the name of the institution used by Buyer. PayPal, acting in bad-faith, has apparently washed its hands of this matter. 

Lastly, I believe this transaction is a scam. The XXXX purchase was without negotiation, in fact, Buyer was offered a {$100.00} discount because of a supposed " double sales tax, '' issue, which Buyer ignored, completing the sale at full price. I have attached photos of the speakers both with and without grills for your information. 

Additionally, I have filed a Police Report regarding this fraudulent sale ( theft ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off a debt sent them proof they won't remove it off my credit also have my mom 's bankruptcy on there that shows her birthday her social but yet they won't remove it I also have three phones bills that I never had and I'm not sure how to remove them
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I applied for American Express credit card on XX/XX/21 and got approved for the sum of {$10000.00}. I have been using my card and paying my monthly payment accordingly without missing any payments. 

However, I just received an email stating my credit limit have been reduced to half of the initial credit limit on my credit limit. This totally un acceptable, since I was never behind on my credit card payment. 


I received an email that my credit limit is been reduced without any warning or anything saying such when I signed contract with them. I believe this have been racial profiling against me and my financial capabilities. I demand an apology and my credit limit to be restored to the stated approved credit limit. I believe this is miss used of power from " America Express '' and nobody should go through this discrimination ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to my previous complaint XXXX submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing your companies correspondence as of XX/XX/2021, Im aware that one of the collection accounts [ XXXX ] is still appearing on my credit reports and yet still your companies agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ). So therefore the collection account information doesnt meet the Fair Credit Reporting Act requirements and you failed to comply with my debt validation request. For more further review, Ive attached additional information. Please read carefully and pay close attention this time.
Product: Credit card or prepaid card

Complaint Type : Product Issues Description of Complaint : I had three cards with this Citibank, but in 2020 EVERY MONTH they reduce my available credit limit. This impacted my credit score by lowering the available credit to debt ratio. One of my other banks increased my available credit during the same time period. Because of Citibank actions alone, I suffered from a declining credit score every month. I was able to close out two of the accounts to slow down the damage, but I have one card left. I suspect as soon as I get rid of this card my credit score will rebound quickly. I have many banks all in great standing, this is the only bank I have had issues with. 
I feel like they are in direct violation of the Consumer Financial Protection Bureau and Federal Trade Commission 's Division of Credit Practices policies as my credit has been harmed by their actions and none of my own.
Product: Checking or savings account

I bank with capital one and have yet to receive my direct deposit. It is going on 2 days now and i am struggling. I live pay check to pay check and have 2 kids to take care of. I work hard for my money and it isnt fair that they are messing over not only me but thousands of people as well. When I call they will not give me a direct answer as to what it is going on. Its not fair that the bank I trust to deposit my money into is withholding it for whatever there selfish reason is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX is trying to collect and I dispute its validity. XXXX XXXX ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due - according to their documentation the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.
Product: Credit card or prepaid card

I have a capital one credit card. One of the promotional benefits of the card is the capital one shopping portal. When purchases are made via this app, reward credits are given based on the merchants specific rewards amount on that day. My rewards have been a challenge to receive and some have had to be entered manually. The problem is now the rewards are posted ( plus some additional manually added ones that I have from an email that will not show up on the posted reward page ) but the numbers are not adding up to give me the correctly owed. I have called and emailed many times. I never get anywhere because they do not offer phone customer support and I spend hours on the phone trying to resolve with lower level employees who in the end can not help because they do not have access to see my rewards. I get non responsive emails apologizing that there is no phone support but do not address my problem. I am very frustrated at the inability to get any customer support. I am hoping you can help. I have very clear documentation to support my claim.

According to my calculations : I should have {$150.00} available in my shopping rewards ( the {$94.00} listed as credited in the shopping rewards column plus the manually added rewards from the email of {$13.00} ) plus the {$50.00} extra I was given. I do have {$93.00} pending as well.
Product: Debt collection

There are several Possible Finance loans on my XXXX report which are a result of identity theft. these accounts were not opened by me. Please remove all possible finance loans from my XXXX report. 

20 possible finance account in total to be removed.
Product: Checking or savings account

I received a document from the company NetSpend at my home mail address. Approximately sometime in XXXX - XXXX of this year. I had missed this mail item on my kitchen counter and opened it up this week ( XXXX week of XX/XX/XXXX ) and realized the following : The company NetSpend had sent me a physical card with my first and last name, a routing number, an account number, and a bank name, stating that this card was ready to be activated and could get up to XXXX  days faster with direct deposit. Today, XX/XX/XXXX I contacted their customer service at XXXX ( XXXX ) XXXX, after XXXX attempts I was able to bypass the automated services and get a hold of a live representative. They confirmed that someone else had activated this card, using my first and last name without my consent or knowledge. They could not provide me with any additional information on the account or the email or phone number they used. They told me the first and last initials in the email listed on this account that did not match any of my personal email accounts. They provided me with the FTC phone number and instructed me to file an identity theft complaint on this account. They stated they could not further assist, as I needed to file a report with FTC, and they would receive further instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a hard inquiry from XXXX XXXX. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. XXXX stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not XXXX. I explained there was issue with my phone and it went straight to XXXX instead of XXXX. I don't want that card even though I am approved or not.
Product: Debt collection

My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Checking or savings account

Receive the loan XX/XX/XXXX into my account on XX/XX/XXXX try to make a withdrawal and was denied and told I was not able to use the funds because I was committing fraud straight up discrimination Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. 
Generally, if you deposit a check or checks for {$200.00} or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than {$200.00}, you can access {$200.00} the next business day, and the rest of the money the second business day. 
If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee. 
If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day. 
Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit unions cut-off time for receiving deposits can be no earlier than XXXX XXXX. at physical locations and no earlier than noon at an ATM or elsewhere. 
The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a deposit hold or check hold. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use. 
It may take longer for you to access your deposit for a few reasons : If you have a new account or if your account has been overdrawn too many times in the past six months ; If you make a deposit over {$5000.00} ; If you make a deposit at an ATM owned by someone other than your bank or credit union ; or If the bank or credit union reasonably believes the deposited check may be uncollectible.

If you or your bank redeposit a check that has been returned unpaid
Product: Checking or savings account

Chase let someone hack my account and sent {$820.00} to an account at XXXX XXXX XXXX ( Phone # XXXX ). 
I Noticed it a few days later. I called them and told them I didn't make any transfers of any kind. They said they looked into my complaint and said it was legitimate. I told them it wasn't. I asked how the money was transfered they told me by a mobile device using XXXX mobile. 
I sent them my cell phone bill showing we use XXXX as our provider. They said it was still a legit transfer. 
I contacted XXXXXXXX XXXX and they sent me a letter stating that they do not have any individual accounts only business. They told me in the letter to give this to your bank to send us a hold harmless letter and they would return the funds. I contacted my bank, by phone and in person to give them the letter and was told they would reopen the claim. 
I called dozens of times over 3 months and they kept telling me it wasn't in the system : give it another day '' then it takes them time to reopen etc. Then on XX/XX/XXXX when I called I was told I only had to XX/XX/XXXX to give them this info. They didn't even tell me where they sent the money until after that date. There was also another attempt to take funds out of that account, that I spotted and got them to cancel, they did nothing to stop this theft from my account and kept saying it was legit. I think people that are working for them are stealing the money. I want to know how to get my money back from these thieves.
Product: Credit card or prepaid card

Applied for a new Bank of America XXXX XXXX credit card on XXXX XX/XX/2020. 

Did not receive any response, and unable to speak directly to anyone from lending department as phone numbers are no longer active. 

As I am currently outside the country, any regular mail to my U.S. address will not be received.