23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! 

Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. 

That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. 

Please respond ASAP as I am unable to reach you via phone. 

I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. 

Thank you. 



Sent from my XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

I am request the removal of an inquiry listed on my credit report that was made by your organization. This inquiry is not confirmed and lacks verifiable evidence. In accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 et seq., Section 604, I request that you provide **physically certified verified proof** demonstrating the legitimacy of this inquiry. 

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 Once this has been resolved, please send me an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, Equifax, XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  regarding accounts on my credit report that I do not recognize.
Product: Debt collection

I have asked for a copy of an original contract and a completed XXXX form. I have not been supplied with either. In fact, in a response letter, they admitted that they do not have an original contract. I believe this account is a result of identity theft. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

One sent a Postal money order # XXXX for XXXX  and Satisfaction of Capital One Account Ending in # XXXX sent XX/XX/2019 via Certified Mail # XXXX. 
Capital One Bank sent the account to collections and kept the Money Order.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX, XXXXXXXX XXXX XXXX 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

On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account.

The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void.

PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. 
I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success.

PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. 

Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active.

The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding
sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Checking or savings account

Chase Bank XXXX XXXX XXXX, XXXX, NY XXXX They changed the address to my custodial account to a non account holder/contributor without my permission or knowledge. I went to the branch after the fraud department told me I had to do it in person and they said they would conduct an investigation- the fraud department had knowledge of what happened. I should note that the address was changed to my son 's father address who I have a history of domestic violence with. They told me they saw the address changed but they could provide no further information on the action of what happened. I want what happened in writing and corrective action so I can go to the police and press charges as well as protect my privacy which I have a right to. I am more than sure he has access my accounts although he may have not been able to change the addresses or make any withdrawls/changes. This is not right and needs to be taken care of.
Product: Checking or savings account

Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Capital One for committing tax fraud. In XXXX of XXXX capital one reported to XXXX, XXXX and XXXX that my account with them was sent into a charged off status. Not only did they send the sheriff to my residence to coerce me into making a payment which I am sure is a violation of 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud, they never sent the 1099-C form which is required by the IRS on charged off debts. I am requesting a copy of the XXXX that should have been sent by XX/XX/XXXX and if no such 1099-C exist, this company is either committing tax fraud or furnishing false and deceptive information to the credit bureaus. The 1099-C should also contain the account number. According to 7 CFR 1956.54, a chargeoff is the writing off of a debt and termination of collection activity without release of personal liability. Capital one still pursued collection activity by sending the sheriff to my door to threaten me and coerce me into making the payment and continued to report the inaccurate information to the credit bureaus without providing me with a 1099-C. If they claim to have sent it, I will need proof meaning a certified mail return receipt with my wet ink signature and tracking number to validate that claim
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX for several years have been contacting me only via XXXX mail and i have several, several times contacted them over these years to advise them, that i have never had an account in my life with XXXX. When i have called about this " debt '' in question the typical answer why they can't find me in their system is because the account is old and the records are purged. which is bogus. it's because they have no such account with any documentation from me. XXXX failed to ask XXXX XXXX the collection agency ( XXXX capital ) to provide any solid documents showing me every signing up for an account with them of any kind. Because there are not any. i unfortunately can not provide you with any dates or details as i have none. thank you so much for any assistance you can provide. I really do value my credit rating and this collection account is hurting it tremendously. Thank you.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/ Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried several times to get credit bureau to remove adresses and fraudulent accounts opened as a result of identity theft aswell as inquiries that i did not make i have enclosed a copy of the identiy theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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
Product: Checking or savings account

XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. 
XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. 
XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. 
XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. 
XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. 
XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? 
XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. 
Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? 
Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? 
None of this was my fault. 

Thank you. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

Had made reservation with  XXXX  for the amount {$700.00} on    X/XX/2017 .   Cancelled the reservation with  XXXX  withi n 24 hours  for the full refund as per their policy.     Did not receive refund from  XXXX  for this cancelled reservation.     Raised a dispute with  Citi bank who issued provision credit. Was sent a letter by CITI to provide details of dis pute which I did as per their request to complete in 30 days.     However on   XX/XX/XXXX   citi closed the investigation saying that they had not received the form form.     This is totally incorrect as the form was mailed t o Citi at their address CITIBANK  CUSTOMER SERVICE   XXXX   XXXX   XXXX   XXXX   XXXX   SD  XXXX .     I also have the copy of the form whcih i can provide in case they have not received.     I would like to have this dispute researched. The dispute id is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 derogatory alleged medical collections placed on my XXXX, XXXX, and Experian consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from XXXX, XXXX, and Experian for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Product: Debt collection

I am writing to formally dispute the inaccurate information being reported on my credit report under the account listed below. The item appears on my credit report as a repossession/charge-off in the amount of {$44000.00} and is listed under the name of Ally Financial. This account does not belong to me, and I have no knowledge of it. I was directly affected by the XXXX data breach, and I believe this account is the result of fraudulent activity related to that breach. 

As a result of the breach, my personal and financial information was compromised, and I am requesting that you investigate and remove this fraudulent account from my credit file. I am exercising my rights under 15 U.S.C. 1681 ( b ), which ensures that consumer reporting agencies maintain the accuracy and integrity of the information in consumer credit files. The Fair Credit Reporting Act requires that any information in my credit report that can not be verified as accurate must be removed.

In accordance with 15 U.S.C. 1681i, I request that you investigate this matter and provide me with the results of your investigation within 30 days of receipt of this letter. Should you determine that this account is indeed a result of fraudulent activity, I request that it be permanently removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

FACTUAL DATA unlawfully pulled my credit report with no permissible purpose. I tried resolving through the credit bureau and directly with FACTUAL DATA but they are ignoring my request. I am requesting the furnisher of information to produce proof of permissible purpose by me or remove the inquiry from my credit reports quickly.
Product: Credit card or prepaid card

I summarize my complaint below. 

( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}. 
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX. 
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX. 
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review. 
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase. 
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX. 
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.