23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXXXXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, Equifax, XXXX ) of the violations XXXX XXXX conducted and requested the three major credit reporting agencies, XXXX, Equifax, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Product: Credit card or prepaid card

XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.
Product: Bank account or service

I open an account with Citibank stating on there web site that I would receive {$400.00} bonus after 90 days if certain things where done. See attached message from there customer service which says I do not have that bonus on my account. This is XXXX.
Product: Bank account or service

I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. 
Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. 
PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it.
Product: Money transfers

This is the second formal complaint I am filing against PayPal because they are dishonestly preventing my law firm clients from paying me by credit card for 30 days or more by forcing me to continue to unlawfully, unethically, and immorally verify my account again and again, time after time, for this the 6th time in less than 3 months, simply because I keyed a payment in based on a faxed and signed retainer agreement from a client rather than an in-person swiping of the card, and using that as a pre-text to hold on to my money ( last transaction they kept {$2000.00} out of a {$2500.00} credit card payment ) and then once again " limiting my account '' so that I could no longer accept credit cards or get access to my money which I desperately need to pay court ordered child support, rent, phone bills, or other necessities for me and my minor children to live. 

PayPal does not even let you know beforehand that they engage in this type of unfair and deceptive trade practice with any degree of notice ( I am a XXXX for 15 years and even I missed any notice, if there even was any, so I can not imagine a XXXX knowing about this ). 

PayPal also neglected to tell me that I can actually " invoice '' my clients by emailing them a bill, which they can immediately pay online, which sends money directly into my account, but of course they do n't want to tell their clients about this because then how else could they steal and collect interest on your hard-earned money for a minimum of 30 days? 

Fraud, deception, and unfair trade and business practices is apparently part of their business model, and their customer support, all of whom who are apparently XXXX speakers, do n't even understand their business model let along able to explain it you. 

PayPal 's actions are exposing my minor children to starvation and me to jail or loss of XXXX for non-payment of court ordered child support and home/office eviction simply because they want to dishonestly and deceptively hold on to my money ( after they have collected their large finance fee ), collect the interest thereon, and otherwise XXXX their customers in violation of both law and ethics. I demand that PayPal release my help up {$2000.00} immediately as I desperately require my rightfully earned funds from my XXXX clients. If my money is not returned I demand a formal criminal and civil investigation and indictment of this company.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX2024. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

Affirm ( installment loans ) contacts me multiple times a day and I asked them to stop contacting me today ( XX/XX/2023 ) at any of my phone numbers including never contacting me at my employer. I made multiple requests and was told they couldnt honor my request. When I persisted they said they would escalate my request and it would take 3-5 days. I use my phone for work and am repeatedly interrupted by their calls.
Product: Credit reporting or other personal consumer reports

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX.
Product: Credit card or prepaid card

I purchased an airline ticket for {$710.00} for my partner but he could not travel because his covid test result never came out as it was later revealed that he had tested positive. I attempted to contact the airline XXXX XXXX but via phone and chat but to no avail so I ended up filing a dispute with Wells Fargo on XX/XX/2021. Wells Fargo gave me a temporary refund in XXXX and charged me back on XXXX XX/XX/2021 stating that my dispute was denied because the ticket was non-refundable and the passenger was a no show. I clearly explained that I tried to contact the company but there was no response, the representative at Wells Fargo advised me to ask the airline for a voucher but how can I even do that when I can not get them on the phone? I got billed for a ticket that was not used and I can not get a refund nor a voucher!! In these hard times, I can not be out of {$710.00}. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXXXXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Product: Student loan

I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.
Product: Credit card

On XX/XX/XXXX, I spoke with a chase representative ( recorded call ) about my past due amount of {$230.00}. I told her I couldnt financially pay it at once so she told me they had a no interest payment plan option for me to pay the balance down. I asked her will being enrolled into this be reported as past due or late to my credit report this representative told me no as long as youre making the {$77.00} increment payments on time. She scheduled my payments XXXX, XXXX and XX/XX/18. I paid all payments ahead of time. Different chase representatives has called me saying I still have this amount due of {$230.00} I told them no Ive been making payments. They would place me on hold and see the payments on file. Its clear chase has not accurately reviewed their notes for my account and they seem to have different information about my account. Today my score has dropped XXXX points because chase reported to credit bureaus that I havent paid anything on my credit card. Reported it as delinquent when thats indeed not true. I want this fixed as I have held my part with chase making the promised payments to be brought back to current but they have not held their part of keeping records of me being enrolled into the payment program and of my past payments. This has effected me and my family of purchasing a home.
Product: Money transfer, virtual currency, or money service

I have had myXXXX PROBLEMS with cashapp and have been using it for serveral year!! I am filing a complaint against Cash App due to inadequate customer service, unfair practices, and the lack of representative available 24/7 ; which violate the Consumer Financial Protection Act .Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and many people I know vulnerable and unprotected or hacking and data breache.Their dispute resolution process was unfair, deceptive and fake as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and time dealing with cashapp
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed on my report. I XXXX be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I have requested proof of debt 4 times over the past 2 months and have not received it.
Product: Debt collection

I went to XXXX XXXX to do a trial workout, the guy had me on the fence to sign up. I did some paperwork and decided to wait. After I left a month or so later I was receiving collection calls. I informed them that I was only there for a trial and had not decided to move forward. They continued to call. I blocked the number and they placed a collection of {$530.00} on my report.
Product: Vehicle loan or lease

RE : RESCISSION OF CONTRACT ESTABLISHED XXXX It is on this date, XXXX that I, XXXX : XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant

15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpo
se of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, ( XXXX  XXXX XXXX XXXX ) DID NOT DISCLOSE MY RIGHT TO RESCIND. It is appropriate for me to assume that ( XXXX XXXX ) at XXXX  XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. 
Effective, XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. 
Company also breached arbitration agreement as well as conveying a credit sale into a installment contract where I the consumer received no benefit of their unauthorized use of my credit card as defined in the truth in lending act resulting in major financial injury to me the consumer. please see attached fraudulent contract attached where company also took {$1200.00} down payment ( cash ) in this security agreement Kindly XXXX : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity of any debt your company claims I owe. In addition, I am requesting that you **immediately cease and desist** all communications with me via phone, text, and email. You are only permitted to contact me in writing through mail at the address provided above. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I request the following : XXXX. **Debt Validation** : Provide complete validation of the alleged debt as required under 12 CFR 1006.34 ( b ) ( XXXX ). Your agency has placed a collection account on my consumer report without first providing this validation, which is a violation of the law. 

XXXX. **Opportunity to Dispute** : I have not been provided with the required opportunity to dispute this debt in accordance with 12 CFR 1006.34 ( c ) ( XXXX ) ( XXXX ). You have violated my consumer rights by not giving me the proper chance to dispute the alleged debt. 

XXXX. **Misleading Practices** : Your agency is using false, misleading, and deceptive practices in attempting to collect this debt, which violates my rights under the FDCPA. 

XXXX. **Authority to Report** : Your agency has no authority to furnish this account to any consumer reporting agency without first providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 XXXX XXXX ) ( A ). 

In addition to the above, I am requesting the following : XXXX. XXXX XXXX XXXX : Provide the purchase agreement between your agency and the original creditor, which gives your agency the authority to collect this alleged debt. 

XXXX. **Proof of XXXX and XXXX : Provide evidence that your agency is properly licensed and bonded to collect debt in my state. 

This letter serves as both a formal dispute of the alleged debt and a **cease and desist** notice. Any further attempts to contact me by phone, email, or text will be considered harassment and a violation of the FDCPA. Any future communication must be in writing via mail. 

Failure to comply with these requests will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

I expect your timely response, providing all requested documentation and validation, within the legal timeframe. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX