23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following letter was sent to PayPal via certified US Mail on XX/XX/year>. This letter follows XXXX XXXX XXXX XXXX initial correspondence, received by your office on XX/XX/year>, regarding his dispute over fraudulent transactions and PayPals claim of a dual credit. To date, XXXX XXXX has not received any communication from PayPal Legal Department in response to his prior certified letter. This lack of response has further complicated an already distressing situation for XXXX XXXX. 
For your reference, we have included additional documentation that substantiates XXXX XXXX claim that he was a victim of fraud and highlights the steps taken to address this matter : XXXX. Exhibit XXXX : XXXX Police Report filed on XX/XX/year>, with XXXX XXXX XXXX, Badge Number XXXX. 
XXXX. Exhibit XXXX : Letter from XXXX XXXX Cardmember Service confirming the provisional credit was approved due to fraud. 
XXXX. Exhibit XXXX : XXXX XXXX Dispute Form, Case ID XXXX. 
The fraud originated from a deceptive job offer that instructed XXXX XXXX to make purchases through PayPal for employment-related equipment. Upon discovering the scheme, XXXX XXXX immediately reported the fraud to XXXX XXXX  and the XXXX Police Department. Following their investigation, XXXX XXXX  provided provisional credit for the disputed charges. 
On XX/XX/year>, XXXX XXXX met with a XXXX XXXX  representative and contacted PayPal Support via telephone to address PayPal 's {$3000.00} claim regarding a dual credit. The offshore PayPal representative failed to provide any evidence supporting this claim. Instead, PayPals stance appears to rely solely on unverified assertions, leaving XXXX XXXX without clarity or resolution. 
The PayPal cases associated with the fraudulent charges are as follows : XXXX XXXX XXXX XXXX XXXX In light of these unresolved issues, we respectfully request written correspondence from PayPal Legal Department to clarify the following : Documentation substantiating the alleged dual credit.

An explanation of PayPals procedures for investigating fraud claims in cases like XXXX XXXX. 
Confirmation that XXXX XXXX account will not be sent to collections while this matter remains under review. 
We are seeking a cooperative resolution and request your assistance in verifying the financial transactions and addressing any discrepancies. XXXX XXXX is prepared to engage further with XXXX XXXX XXXX XXXX and XXXX XXXX  representatives to resolve this matter fairly, but your timely response is critical to prevent unnecessary escalation. 
Thank you for your attention. Please respond within 14 business days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.
Product: Debt collection

I get an utilities bills from a collection agency posted on my credit bureau on XXXX/XXXX/2010 for an invoice that I never received from company and ask this to be removed from my credit with Transunion.
Product: Money transfer, virtual currency, or money service

Please see below documents to show when Cashapp aka Square took my money and evidence it was supposed to be refunded but was never refunded. I have contact support several times and even put a complaint in with the XXXX but was told by XXXX that I need to file a complaint with your company for enforcement of my refund. I have attached images of when the transaction occurred and the message stating when it will be refunded but was not. I also have a quarter bank statement that shows the funds not being credit but debited from my bank account. The debit used to make the transaction has been closed but my Cashapp account is very active the funds should be been returned to my Cashapp account or bank account and there have received the funds. 2 different transactions done in the same day but cant seem to get the issue resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$99.00} on my Bank of America credit card due to an alleged scam by XXXX. I was trying to get a refund of {$11.00} and change for something I paid for via XXXX. I wasnt aware that theyd charge me {$99.00} for such a service. When I googled how to get a refund from XXXX, a website called XXXX popped up. When I explained this apparent fraud ( and/or billing dispute ) to BoA, they credited my account and issued a new credit card number. They transferred the {$99.00} charge back to my new credit card after denying that it was fraud. Ive been going back and forth with them for three and a half months and still have no resolution. They credited my account, retracted it ; then credited my account again and retracted it on XX/XX/XXXX. Ive been to the local branch in XXXX, NJ and Ive spoken with three different managers. I was in the office of XXXX XXXX for an hour while he was on hold with Fraud Claims. I then followed up with two other managers ( XXXX, over the phone ) and was told my credit of {$99.00} was pending. This was the beginning of XXXX, XXXX. I went into the branch and spoke to the Branch Manager and was again told my credit was pending. The next day I received a letter from BoA, dated XX/XX/XXXX, saying my credit was retracted. Ive been on the phone with Fraudulent Claims and Billing Disputes for months. It seems every time I get a different story. I feel Ive been grossly mistreated. They are unprofessional and rude and incompetent. Every time I called Claims, I waited on hold for at least a half hour. My fianc had paid off my three credit cards with BoA, on time, with thousands of dollars. I feel this financial institution shouldve backed me up with this scam. Everyone at the branch seemed disinterested. When I sent a formal complaint to BoA in an email, XXXX called me on Wednesday, XX/XX/XXXX. He was very surly and told me I should contact XXXX. He gave me the telephone number. I spoke, that evening, to XXXX and she informed me that since BoA opened a claim for this on XX/XX/XXXX, her hands were tied and she couldnt refund my {$99.00}. I spoke to a supervisor at BoA on XX/XX/XXXX, named XXXX. He said there was nothing he could do for me. Now Im writing to you, with my formal complaint. Thank you for your time.
Product: Credit card or prepaid card

We just opened a mastercard through community bank. We made a few small purchases for gas and BJ 's warehouse and then used it for a catering service. I tried calling to pay for these purchases right away on XX/XX/XXXX. I could not access my account online or via phone. I was repeatedly disconnected after hearing an automated service each day I called. I was not able to access any part of their website. I continued to get " there's a glitch in our system '' responses. I wanted to make sure I knew our account balance and paid it in full ASAP. We do not like to carry any sort of balance and I just opened the card to have as an extra form of payment for an upcoming vacation. I was finally able to make an " XXXX XXXX '' payment on XX/XX/XXXX. My total balance was XXXX. I paid that amount. I received XXXX emails in a row stating that my payment was scheduled. It has not posted to my bank account yet. I also have XXXX new pending charges that I can not find any information on. I tried calling again this morning ( XX/XX/XXXX ) only to hear an automated voice tell me I have a XXXX balance and {$7.00} pending???? I can not find out what or where these charges came from and can not speak to a person. I am beyond frustrated and can not believe the poor communication on the end of Commenity Bank.
Product: Debt collection

I am filing this complaint against XXXX XXXXXXXX for violations of the following laws and regulations in their debt collection practices : 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXXXXXX has not provided me with validation information about the alleged debt, despite placing a collection notice on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a reasonable opportunity to dispute the validity of this debt before it was reported to the credit bureaus.

12 CFR 1006.34 ( d ) : XXXX XXXXXXXX is furnishing information about this account to consumer reporting agencies without providing the required disclosures, including my right to dispute the debt.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : The information being reported to the credit bureaus is inaccurate and misleading, as I have not been given the chance to dispute it.

15 U.S.C. 6802 : XXXX XXXXXXXX has disclosed my nonpublic personal information to third parties without providing the required notice under the Gramm-Leach-Bliley Act. 

I believe XXXX XXXXXXXX is engaging in deceptive and unfair debt collection practices that violate my consumer rights. I request that the CFPB investigate this matter and take appropriate action to protect me and other consumers.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been attempting to correct a critical error on my credit report with Experian without success. My credit history began in XX/XX/XXXX with an ITIN ending in XXXX, but my report has been mixed with that of another person who has a Social Security Number ( SSN ) ending in XXXX, with no relation to me. This SSN is associated with accounts and activities dating back many years, while my history is recent and limited to two accounts : one from XXXX XXXX as an authorized user and another from XXXX XXXX. 

On XX/XX/XXXX, the CFPB closed complaint number XXXX without resolving the issue because Experian did not correct the information nor provide evidence of the verifications they supposedly conducted. Despite presenting clear evidence of the discrepancy, the incorrect information still appears on my report. 

I submitted several detailed letters : XX/XX/XXXX : I requested the correction of personal and account information. 
XX/XX/XXXX : I included detailed corrections of my data, valid accounts, and proof of discrepancies. 
It is unacceptable that Experian has not corrected such an obvious error. My ITIN, issued in XX/XX/XXXX, has no connection to the reported SSN, nor do they even share the same last four digits. Additionally, XXXX, which has always managed my information correctly, does not present this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report from XXXX on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX andXX/XX/XXXXfrom XXXX XXXX I contacted XXXX on XX/XX/XXXXand spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted XXXX and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX I contacted Avant based on an email I received offering an installment loan. I was told over the phone, by an Avant agent that the loan amount might be slightly higher than I would normally pay, 30 percent interest, but after, " a couple of years of on time payments. '' I could refinance for a lesser rate. After 2 years of on time payments I contacted Avant in  XXXX XXXX and was told that I could not refinance, even though there was no change in my credit score, my address remained the same, and my employer was still the same. I informed Avant about the statement made in XXXX of XXXX and was told that they did not have to honor it. I contacted Avant several times via telephone in XXXX regarding this dispute. I made the request for the terms and conditions and filed a written complaint ( attached ) via certified mail, as outlined in Avants, XXXX XXXX terms and conditions. Avant did not respond to the letter as they were supposed to in the agreement. I then was told via telephone that if I let the loan fall a few days past due that I could offer a settlement. I allowed the account to fall past due and was then told that I could not pay a settlement amount. I was offered a reduced payment plan, " until the dispute was resolved '' for 6 months. I entered this agreement and paid as agreed. I was not allowed to pay in XXXX of XXXX and had to call a second time and file a complaint to make a payment. In XXXX of XXXX I was again not allowed to pay. I contacted Avant the end of XXXX and offered to make arrangements but was told that someone would get back with me. Nobody returned our calls or emails. I then offered a settlement amount and stated that I did not want my consumer report harmed and Avant offered to settle, but did not provide an amount. I offered an immediate payment of XXXX dollars, but did not receive a response. I emailed several more times and my husband contacted Avant on  my behalf to no avail. On XXXX XXXX, XXXX, through the online portal at avant.com I was offered to reduce the rate to 9.99 percent, which I accepted. The next payment due was then shown as XXXX XXXX, XXXX. The account has never shown past due and during the period between XXXX XXXX, XXXX and XXXX XXXX, XXXX I was in contact with Avant regarding the dispute. The last payment was due XXXX XXXX, XXXX ... yet Avant is now reporting that I am 93 days past due to XXXX. I have contacted Avant and they continue to fail to respond. I do not want this to harm my consumer report as I have very good credit, I have not missed a payment on my own accord and only missed the XXXX payment because Avant would not accept it and I was in dispute trying to get Avant to take a payment for the next 29 days.
Product: Mortgage

My Wells Fargo ( XXXX ) home mortgage ( # XXXX ) in XXXX was paid off in XXXX. In XXXX XXXX XXXX sent me a refund of a rate lock extension fee ( {$1500.00} ) plus interest for XXXX years ( {$150.00} ) plus compensation for loss of use ( {$140.00} ). The interest for XXXX to XXXX seems fair but the compensation for loss of use for the ten years XXXX to XXXX, is not adequate. A fair compensation for loss of use of {$1500.00} for 10 years should have been closer to {$1000.00}, not {$140.00}. 

XXXX rejected my request to explain its calculation of the loss of use calculation and rejected my request for additional compensation. I trust the CFPB can help me.
Product: Credit card or prepaid card

I filed a XXXX complaint to Capital One, about the recurring charge of XXXX from XXXX. Their response from Corporate, to resolve, was to put a block on XXXX count, however It did not work. I was charged XXXX in XXXX and in XX/XX/2023. I need these charges reversed and the recurring charges blocked please. Thank you
Product: Debt collection

This debt has been paid, however it was from 2008 and there is no way to provide proof as it is too old, I just received info on this last year which makes it 13 years old. How? How do you fight that?
Product: Credit reporting or other personal consumer reports

name on my credit report is not correct these items need to be corrected please my name is spelled wrong 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
Product: Credit card or prepaid card

The company charged an annual fee of {$140.00} on my account on XX/XX/2021. I canceled the card but the company refused to refund the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$840.00}, XXXX XXXX XXXXXX/XX/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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Spring, Texas Laws Dear XXXX XXXX, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section XXXX681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for XXXX AUTO to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws. 

I demand that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXXXXXX XXXX  will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Product: Credit card or prepaid card

US Bank issued Mastercard double charged me for one purchase on XX/XX/2020. They admit this was an error that they caused, but they still have not reimbursed me for the second charge.