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

I am writing to dispute the validity of the debt referenced in a notice I recently received. My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature. 2. A detailed account of the debt you claim I owe. 3. Proof that you are licensed to collect debts in my state. Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature. If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 around XXXX I used PayPal to pay someone for football tickets to an XXXX XXXX game and the merchant was a scammer so I immediately cancelled the payments no longer than 5 minutes after sending the payments and PayPal still allowed the payments to go through. After I cancelled the payments on their website, I called their customer service line right after and the representative told me that they could not refund me my money even though the website said it was cancelled and the transactions are still pending today. If the transactions are still pending, how is it that the money was withdrawn from my account immediately?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus XXXX and Experian, failed to make corrections and updates to my credit score, despite my submission of information validating that company 's claim was false.
Product: Student loan

I haven't kept paper records of my loans ' principal and interest amount because I can check them whenever I want on studentaid.gov, but the last time I looked at my loans I had around {$38000.00} total debt about 6 or 8 months ago. Back in XXXX or XXXX when I first got finished with school. I owed like {$19000.00}. Over the last 19 years, I have reached up {$19000.00} in interest. But NOW, right when the interest was set to be forgiven, my interest amount on my loan is {$5000.00}. 

How can that have been reduced by {$14000.00} unless Nelnet. My new loan servicer, refinanced my loans without my knowledge or unless they are showing an incorrect amount. My husband has the same problem. His student loan interest amount went from like XXXX to {$1000.00}. 

Someone needs to look into this company. 

Also, every single month they send a bill with a different amount under the past due amount. My husband and I both signed up for the Save plan in XXXX either when the loan payments were set to start back. We had to end up filling out the application three or four times before they, Nelnet, finally responded that we had been signed up and by that time, we both had a month of payments due. It was my understand that that amount should've been reduced to XXXX  now that our payments every month are XXXX dollars, but we get a bill one month saying we {$350.00} or some odd Dollars and the next month is says XXXX dollars owed and then next it's back to {$350.00}. I don't have the documentation to prove it but something fishy is going on with this company. 

We never had this problem when we dealt with Great Lakes Loans out of California, but ever since we were stuck with this company back in XX/XX/XXXX, we've had problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against BMO HARRIS BANK NA. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the listed account below on my credit file and again all I receive is statements. This is already creating additional emotional & physical distress on me. I need this account removed from my credit file. The account is as follows BMO HARRIS BANK NA XXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate and validate every piece of information and ensure everything was accurate '' on the accounts I have listed below. I also have attached the letters I sent out certified mail and here are the Tracking # 's. USPS Tracking : XXXX / XXXX / XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on the accounts are still not reporting 100 % accurate. And according to the FCRA 15 U.S.C. 1681 everything has to be 100 % accurate. Also I have the credit report showing the inaccuracies. They also violated my rights 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report as well. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone hacked my banking account by adding an external account in order to withdraw money from my savings. SoFi saw this as suspicious behavior and cancelled the withdrawal and placed my account on restriction with no resolution date and refused to close my account when I asked. I need my money as I have bills coming in.
Product: Student loan

Navient bought my student loans in XX/XX/2019. They did not contact me to let me know they were now my loan servicer. I kept calling my previous provider, XXXX XXXX XXXX, and all they would tell was that my payments had been suspended. I could not get a straight answer. I thought there was an issue with XXXX XXXX so I kept trying to contact them. I finally found out in XXXX that Navient had actually bought my student loans when it showed up on my credit report. They never called, emailed or mailed me any information letting me know they were now my servicer. My credit report isn't even correct. They have me listed as making payments in XXXX, XXXX and then XXXX says I am 90 days delinquent. If they had just contacted me then I would have paid them.
Product: Money transfer, virtual currency, or money service

I have been locked out of my virtual currency account. Coinbase has my money trapped inside there system. I went to use my account one day and coinbase had logged me out, I went through the 2 step verification process and for no fault of my own the verification failed. As a result my account is locked with roughly XXXX inside which can not be accessed. I have emailed, rang, posted to XXXX and XXXX and although I have received a reply telling me they are processing my request it has now been locked since the XXXX of XXXX. My case number is XXXX. I simply want the account unlocked as there is nothing wrong with it and I have reset the password as coinbase requested. 

Kind regards, XXXX.
Product: Credit reporting or other personal consumer reports

A student loan was fraudulently taken in my name. 
I filed reports 2 years ago to resolve the issue. 
The account has now been charged off and negatively impacting my credit. 
Police report filed with XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fraud report filed with Federal Student Aid ( FSA ) # XXXX Reported the fraud to XXXX XXXX I have had direct contact with XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX this company made repeated call before XXXX XXXX to my phone after I made several attempts for this company to stop calling me.
Product: Checking or savings account

On XX/XX/XXXX I noticed an unusual charge on my debit account for {$190.00}, from XXXX XXXX via paypal, something I had not authorized Paypal to pay. I have called both companies at least 4 times and get the same result which is to contact the other company. I was not even lookind for a hotel. Paypal is also arguing that i had an agreement set up with. XXXX XXXX to deduct this amount which again I had never authorized. I usually like to use only credit cards for hotel reservations. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen on XX/XX/2023. Someone fraudulently attempted to get a loan on my behalf. The company that this fraud activity was done with is XXXX XXXX XXXX. They have placed a hard inquiry on my credit report without my consent.
Product: Credit card or prepaid card

In XX/XX/2021, send a money order to be applied to the account balance. XXXX XXXX received the money order but it was lost or something they could never apply. I made several calls to verify the status of it, they tell me that they have evidence that they received it and that they opened an investigation to resolve the situation. give me the credit during the investigation. then they send me a letter to let me know they didn't find the payment and recharge my card. I have done about 3 to 4 investigations, I send the evidence of the transfer, I call to follow up and he answers the same. they threw away the money order and want to make me responsible for the amount of {$240.00}.
Product: Debt collection

I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.
Product: Credit reporting or other personal consumer reports

My recently updated personal credit report still contains some unauthorized inquiries. I have already contacted the companies and requested the removal of their credit inquiries from my profile. I once again request that you initiate a removal into the inquiries listed below. Since my allegations confirmed, please remove these inquiries and send me an updated copy of my credit report to the address provided : XXXX : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- -- -- -- -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This complaint serves as a notification that if you do not remove the listed items from my report, I will be filing a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. This is my final notice. Please remove the items resulting from incorrect reporting.
Product: Credit reporting, credit repair services, 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 correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX  XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX. XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$28000.00}
Product: Money transfer, virtual currency, or money service

This is a continuation of the complaint filed with CFPB ID : XXXX on XX/XX/XXXX. 
I would like to know why their local branch Capital One Bank XXXX XXXX XXXXXXXX XXXX, XXXX, Texas XXXX did not respond to the letter 's sent on XX/XX/XXXX and XX/XX/XXXX by our attorney XXXX XXXX XXXX as per attached.. 

I would also like to know if their customer XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX. XXXX TX XXXX and outlet Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Direct Tel : XXXX Taxpayer  Number XXXX is still a customer of Capital One bank in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. US Bank 6. XXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
Product: Mortgage

IM HAVING TROUBLE WITH PNC MORTGAGE IVE BEEN TRYING TO GET MORTGAGE ASSISTANCE TO CATCH UP ON MY MORTGAGE PAYMENTS. MY BUSINESS LOST ALOT OF MONEY LAST YEAR FEEL BEHIND BEEN GETTING RUN AROUND FROM PNC MORTGAGE IVE SENT IN A COMPLETE PACK FOR MODIFICATION BUT THEY WONT WORK WITH ME. VERYU DIFFICULT BANK TO DEAL WITH.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effec
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX  in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments inXX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Product: Checking or savings account

XXXX XXXX charged my account XXXX on XX/XX/year> I called my bank and dispute the charge because I didn't recognize the charge and also around the same time XXXX has wrongfully charged my account 3 other times which a credit was made. Chase credited my account the XXXX and sent out a new card. Eventually they reversed the charge leaving my account in the negative. I called Chase to ask why and they said just because the merchant said this charge was true that's why they reversed it but my response was why did they speak to me or request information from me during the investigation making the claim one-sided.
Product: Money transfer, virtual currency, or money service

I have been using binance.us to trade crypto currency for 3 months. I have submitted all documents needed and have had no issues. On Friday my account was suddenly locked and said needed verification. I've contacted multiple times ( through email the only way they have for contact ). And I get a generic email stating they aren't allowing and new tickets due to volume. At this point they have cost me {$15000.00}. I would be OK if I could move the money to another exchange but I can't even do that. I have XXXX stuck and no help from the company at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Collection Account [ Account number ] XXXX Dear Experian Dispute Department, I am writing to formally dispute the collection account listed under XXXX XXXX XXXX Receivables with the account number [ XXXX ] on my credit report. This account, reported as opened on XX/XX/XXXX, shows a balance of {$4100.00} and is marked as past due as of XX/XX/XXXX. 

I believe this information is inaccurate because [ state your reason e.g., this debt is not mine, the amount is incorrect, the account was already paid, the debt is past the statute of limitations, or the collection agency has not provided sufficient validation ]. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide documentation verifying the accuracy of this account. 

If the information can not be verified, I request that this collection account be removed from my credit report immediately. Please provide me with the results of your investigation in writing. Additionally, if you need further information from me, please let me know. 

I have attached a copy of my credit report with the disputed account highlighted, as well as any relevant supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ] Next Steps : 1. Attach supporting documents ( if available ), such as proof of payment, identity verification, or any communication with the collection agency.

2. Send the letter via certified mail with a return receipt to ensure tracking.

3. Monitor your credit report for updates and follow up with Experian if necessary.

Let me know if youd like me to modify this letter further!
Product: Money transfer, virtual currency, or money service

I want to close my Paypal account and delete my banking information from that site. They will not allow me to do either one unless I supply my social security number and a copy of my social security card. I have had no activity I this account for over a year. I am unwilling to supply this information because of identity theft concerns. I have had repeated communication with Paypal about this and they refuse to close my Paypal account and delete my banking information. I simply want my account closed. 
I had over 8 communications with Paypal between XX/XX/XXXX and XX/XX/XXXX and they would noclose the account.
Product: Money transfer, virtual currency, or money service

I am unable to withdrawal funds from my account for the past 2 months. Coinbase is illegally holding my money. I have spoken to their customer support numerous times and there is no change to my account being locked out. Something must be done.
Product: Credit reporting or other personal consumer reports

Description of What Happened : XXXX is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, XXXX and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted TransUnion to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold TransUnion accountable. 

Thank you.
Product: Credit card or prepaid card

I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concerns regarding Zelle 's handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, My financial institution and zelle fail to investigate My claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPB 's finding indicate That zelle has not only neglected to protect cusumers But also allow repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable.
Product: Debt collection

I made some transactions on my PayPal Credit last year, I was told that I would have 2 years before interest would be added. When I contacted the PayPal representative she said that they the terms were changed and I was not notified. In addition, all my payments have not been applied which further inflates the debt to a higher proportion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. {$290.00}. Reported company to XXXX. Company was to pay off account, have no further contact. Account paid off. XXXX still contacting me, the account is on my credit report. 

XXXX. {$110.00}. Reported to XXXX. Account was removed. Now it is showing up in my credit report again. Never had XXXX. 

Inaccurate personal information keep showing on my report. 
False credit information keep showing up on my credit report. 
It is ridiculous
Product: Credit card

I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed.