23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts Victoria secret/ComentityBank, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so Victoria no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have had a Citi/Costco card since XXXX. 
I use it primarily for Costco purchases, and pay in full every month. 
I have always resided in Connecticut. 

on or about XX/XX/XXXX, I received an email notice from Citi that my account balance was {$11000.00}, and over my credit limit. 

My card has remained in my possession and has not been lost or stolen. 

Upon calling Citi, I was informed that a purchase using my card was made on or about XX/XX/XXXX, for services from a medical provider in California, XXXX XXXX, for {$11000.00}. The purchase apparently was made from XXXX, showing a XXXX change rate to US dollars. 

Despite inumerable red flags, Citi approved this charge on my account and reported it to the credit reporting agencies as overlimit, without reaching out to me in any way to verify this charge. 

The red flags included that this charge was completely atypical from my account usage over the several years I had this account, was for a very expensive one-time purchase, was an immediately over-limit purchase ( my other charges on the account at that billing cycle were for less than {$100.00} ), was made out of the country ( from XXXX ), to a medical provider across the country from my residence. 

This experience leads me to seriously question the safeguards Citi has in place to screen for fraudulent transactions. 

.
Product: Payday loan, title loan, or personal loan

I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX  today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. 

Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX. XXXX during the process of buying a house I wrote check # XXXX to XXXX XXXX for {$50.00}. This check was never cashed. I have been showing it outstanding since then. I have been balancing my check book each week due to all of the auto drafts that come out of my account. Since that date I have always had to show this check as outstanding in order to balance. 

On XX/XX/XXXX. XXXX, My {$50.00} OUTSTANDING MONEY WAS GONE. I could no longer balance my check book since the money was no longer in my account. If I added it back into my account as an outstanding check I no longer balanced. I was then over {$50.00}. 

I called the bank Capitol One customer service on XX/XX/XXXX. XXXX and spoke with some lady for about 30 minutes. She could not understand that the money should still be there and she could not explain to me where my {$50.00} dollars had gone. 
I then requested to speak to her supervisor and she switched me over. After about 10 minutes he didn't seem too concerned and he could not tell me where my money was at either. When money comes up missing that is THEFT to me.
Product: Credit reporting or other personal consumer reports

I checked my reports and found inaccurate information for a account that was charged-off that is in violation of my rights and is BREAKING THE LAW. I've attached everything for this dispute along with the inaccurate information underlined and circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from XXXX  and trans union
Product: Credit card or prepaid card

For about 4 or 5 days, I and other Comenity Bank consumers have not been able to use our credit cards, access our accounts or even communicate with any representatives due to some unannounced system update that has been going on for days. I wouldn't have known this was occurring if I have not tried to sign in a couple of days ago and checked on XXXX. Their XXXX feed is the only way to communicate with them and they are not providing any info. We are under the impression that they may have been hacked and they are not informing their customers.
Product: Checking or savings account

Dear CFPB : I'm sorry there seems to be some confusion. CFPB Compliant XXXX is still open. I did not agree to close any or my complaints against your firm.

I have ongoing banking and FINRA complaints against Schwab and requested a hearing for almost one year now with NO Court Date. I have provided my counsel 's phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have never actually called and NOW the time is for court. 

I have received your letter dated XX/XX/2023 from XXXX XXXX XXXX of Schwab bank denying a series of my letters and facts. XXXX XXXX 's exact response in the letter " our records do not substantiate your various allegations '' is contrary to his Schwab letters and transaction journal entry/facts. In your firm 's 1 year-long campaign to bury the facts and create additional " smoke and mirrors, '' Schwab has failed to answer any direct questions- just general denials. One did confirm they closed my account while on holiday in XXXX. The lawful Reasonable man standard test failed. Your recent letters are a BIG contradiction to facts. 

XXXX XXXX if your firm has not committed any wrongdoing - then why do you keep dodging the arbitration/court? I have NOT agreed to close the complaint but, somehow you keep getting CFPB to close it. I think we deserve our day in court. I have included have the constitutional right to be heard. 

Again, XXXX XXXX - XXXX - of Bank Deposit Operations let 's discuss the facts with a fair CFPB XXXX or XXXX is fine. If in the process a major banking violation is uncovered it will not be my
Product: Debt collection

I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Cash app has failed to provide the prevention of fraud, leaving my account vulnerable and unprotected. These actions caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Checking or savings account

For the second time in 2 months my account was hit at an atm for two unauthorized transactions one for {$400.00} and another for {$380.00} totaling {$780.00}. I Immediately reported this to the fraud depart, within a few short days my claim was denied, stating the transactions were within my normal banking activities, I NEVER pull money out of atm, this is the second time it happened also, the first time i was refunded promptly this time i was basically told i did it it. Ive never given anyone access to my card or pin number Date of incident XX/XX/year> Banking institution- Citibank
Product: Credit card

I got a letter a couple months ago that my Kohls store card was being converted to a general Visa card. I immediately called kohls to tell them that I absolutely do not want a Visa card and they do not have my permission to open one in my name. They told me they would update my account to keep my current and not convert to a Visa.

I was shocked and angry when I got a Kohls Visa in the mail today after explicitly telling them I did not consent and after they ensured me that it wouldnt.

When I tried to call every number I could find, it was impossible to get a person on the phone to fix this. This is credit fraud.
Product: Mortgage

Since just prior to Mr. Cooper taking over the mortgage from Seterus we have been attempting to recover {$1900.00} from Seterus, and now Mr. Cooper. 

XX/XX/XXXX, Seterus claims they paid {$1900.00} to XXXX XXXX XXXX premium for the year XX/XX/XXXX. However, simultaneously, we acquired a new homeowners insurance company, XXXX, which we paid for the year out of our pocket, ending in XX/XX/XXXX. 

What I am looking for is a solution to this near year-old problem : When do I get my escrow refund of {$1900.00} with interest? 

To add pain and discomfort to this matter, we have had several telephone calls with Mr. Cooper reps and all claim to work this to the end. However, we have never been responded to, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring Oak is claiming to have sent proof of documents in the following debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). 
In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. I am requesting the following to be sent to my address above : Original debt contract with my signature, Proof of Debt assignment, All legal binding contracts, Payment history Name and address of original creditor I am requesting this to be sent immediately to my address or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report.

15 US C 1681 section 604 A 15 US code 5 1681
b
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I urgently and respectfully request the Credit Bureaus to remove these fraudulent inquiries from my credit file, in accordance with FCRA section 605b, which mandates Credit Reporting Agencies to remove any inquiries listed on an identity theft report. I have included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this complaint. I anticipate an update in my credit report within the next 15 days, and I kindly request that the following inquiries be removed promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a local agency on XX/XX/year> to call this phone number. Another agency had contacted my mother 's phone with this same number under the threat of them contacting my place of employment. 

The phone number is ( XXXX ) XXXX and the company is called XXXX Calls or something like that. 

A representative named XXXX XXXX said he has my name and social secutiry number and is collecting a credit card debt for ChaseXXXX, which I had 20 years ago before. He even had my social secuirty number. 

He threaten to serve me court papers unless I pay off the debt of {$3000.00}. I told him I would have to get a personal loan when the bank opens on Monday. He gave me a deadline to have the money by XXXX. 

I spoke to the loan office and she said I would need a written statement of the debt before they would mail them a check. 

When I called back on Monday and ask for the written statement, the person said they had already sent a letter which I never respond to. But I told him I never received a letter and asked when it was sent. He asked me why I never paid off my responsibilities and also threaten to " expose '' me to everyone including my employer. 

Since this person used a hostile tone and never said anything about taking legal action, I knew this was a scam and hung up. 

I am writting this to let everyone know, especially someone from the federal government, about this sleezeball who is trying to shake me down based on faulty outdated information. I certainly had already paid all my old debts off and rebuilt my XXXX XXXX, and I will not be threaten like this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is so unprofessional. They have yet to respond to my complaint let alone fix my online account! I have asked several times to get my online access to be fixed and no one will do ANYTHING to fix it. I have tried countless times and NO ONE does anything ... I REPEAT ... .NO ONE. 

this needs to be removed off my credit report asap or i will get legal involved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian. I have tried to resolve this issue by reaching out directly to Experian. I am a victim of Identity theft and there are several accounts listed on my report that are fraud. I have contacted the bureau on multiple occasions to resolve this issue and they are complying. I have contacted them by phone, online, and by mail to resolve this issue. The accounts listed below must be deleted upon receipt of this complaint. I will contact the BBB and file a class action lawsuit against Experian if this is n't resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. 

Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.