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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) (
5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I was billed {$400.00} by PayPal Credit Services for services to be provided by an airline. The flights were canceled. Passengers were put on another company flight. The connection was missed due to a late starting flight. They did arrive late to a flight in a different state but the luggage was lost and recovered some time after. A claim was made for compensation to the airline without sucess. 

The charges were for upgrade seats and luggage which were not provided. 

A timely dispute was filed with the credit card company by mail and was acknowledged on XX/XX/23. Since then the credit card company deleted the charges from the original card but opened another account and transferred the charges to a new account number. I asked to close the credit account but they will not close the credit account. They refuse to send statements by mail stating they had mail was undeliverable to me. 

The credit card company is charging late fees, and interest, and making calls attempting to collect the debt. They have debited minimum payments from my bank account without permission. They claim that they need 60 days to process the complaint. This time has elapsed as it is almost 90 days since the complaint was sent.
Product: Debt collection

I don't know where to begin with this collection company and their violations. I actually wrote out my full complaint in an email to the Office of the Attorney General of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX of XXXX  and this highlights the violations AAA collections engaged in when I spoke with them on the phone. Since they state that they record their phone conversations then they should also have evidence of their violations against the FDCPA laws and I hope you ask for those phone conversations from around XX/XX/XXXX so you can hear the violations for yourself. But as of today, I have decided to respond to Office of the Attorney General of South Dakota original email back to me and also submit a complaint to XXXX Some of the ways in which they violated laws were through false statements and misrepresenting amounts owed, etc threatening legal action "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documents from CRA and debt collector for proof that the accounts being reported on my credit belong to me but all that is done is that in information is updated and there was not a reinvestigation done or account DELETED from my report XXXX : XXXX account # XXXX amount {$590.00} Date open XX/XX/XXXX they say they have the deed a defaulted mortgage but i have never purchase a house : Ideal collection Account # XXXX amount {$870.00} Date open XX/XX/XXXX Experian : XXXX Account # XXXX Amount {$590.00} Date open XX/XX/XXXX XXXX XXXX  Account # XXXX Amount {$870.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2400.00} XXXX : XXXX Account # XXXX Amount {$2400.00} Date open XX/XX/XXXX XXXX Account # XXXX Amount {$2800.00}
Product: Credit reporting or other personal consumer reports

Some the information that was reportedly on my credit was not accurate. I ask to have it removed. Took me years to get approved for a home
Product: Debt collection

I sent XXXX separate letters to Progressive Management Systems regarding XXXX collection accounts that I wanted validation for. 

Here is the first part of the letters to which i never received a response : To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Product: Credit reporting or other personal consumer reports

For the past 2 years multiple unauthorized inquiries have been added to my account without my consent. This inquires were not authorized with my permission and they continue to hit my report without my consent. When asked to dispute and remove company refused and said it would just fall off. These inquiries are FCRA violations as I did not give permission for them to be ran. ALL HARD INQUIRIES ARE TO BE DELETED
Product: Debt collection

The collector did not identify himself by name, only that he worked for Portfolio Recovery Services and that he was with the " Litigation '' Department. He stated the call was recorded and that an attorney had reviewed the account. I then asked to speak to the attorney who reviewed the account and he immediately contradicted himself and said, " I said an attorney had NOT reviewed the account. '' We argued about what he said and suggested he review the FDCPA and he informed me he had performed that job for 25 years. I do n't appreciate being lied to, especially since this was under the guise trying to intimidate me the use of the statements " Litigation Department '' and having an attorney review the account. He knew what he was saying, and had I not questioned him about his tactics and statements he would have continued on. He was quite rude after that point and I stated since he was in the litigation department I wanted to have one of their attorneys review the account to which he replied, " So you 're saying you 're not going to make payment arrangements? '' I said, '' Do not put words in my mouth. '' I want your attorney to review the account, and he repeated his statement about making a payment again. I then ended the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX, Equifax and XXXX is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.
Product: Money transfer, virtual currency, or money service

I have been trying to close my PayPal account for weeks. I have called them and told them to close it. They say ok and then they don't close it. I try online and it gives the the option then loops around and around. There is a zero balance and I removed my card months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new updated exhibits and information on Equifax latest response! 

I Demanded Equifax to explain IN DETAIL the PROCEDURES and METHODS USED to verified these alleged inquires on my consumer report! And Equifax IGNORED & DID NOT EXPLAIN what PROCEDURES and METHODS WERE USED! Equifax is STILL violating my consumer rights pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681 ( a ) ( 6 ) ( B ) ( iii )
Product: Credit reporting or other personal consumer reports

JPMCB CARD Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$5900.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. This account has also shown charge off monthly for years to extend maturity date on credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX XXXX. I made a purchase using my Apple card. I purchased TWO items under the same transaction. One I took with me. The SECOND one was to be delivered to my home. The total amount for BOTH was {$140.00}. 
I never received the shipped item and I am requesting a reimbursement for that unreceived item, it amounts to XXXX plus tax. 

I later found out that the clerk at the XXXX store did not type in the correct address when placing my order. I know this because once i got a delivery confirmation email, I immediately called XXXX XXXX and asked what address it was delivered to. The operator read that address to me and that is not the address I gave to the clerk on XX/XX/XXXX. I have my receipt from that day and my address was not printed nor did the clerk read it back to me, I had no way of knowing he got the address wrong. My address was wrong by one digit. XXXX told me I would get a replacement sent out and never did. I was also told a " manager '' would call me and that never happened either. 

I filed a transaction dispute with Apple card on XX/XX/XXXX or so and explained this to the rep. but Apple disputed the WHOLE transaction, not just the missing item. I am not disputing the entire thing, I just don't want to pay for the item that was not shipped to me and that I did not receive. I am disputing the XXXX order # XXXX XXXX, REF ID XXXX in the amount of XXXX plus tax. 

After about 2 months Apple sent me an email saying my apple card was legitimately used and therefore I am liable for the whole thing or something to that effect. I called Apple right back and asked if I could appeal that decision. Apple asked if I had new proof and I said yes, I do. If you ask XXXX to document what address the missing item was shipped to you will see it's not the address I have on file with you. I only have one address for all purposes. I explained all that the first time around, so I feel like we're going in circles. They told me the only thing they can do is dispute it again BUT again they disputed the WHOLE amount. I don't think they understand the delivery problem or it's not getting transmitted for some reason. Also they don't care to look at my sales receipt. To recap : I know I made the purchase. I am not disputing that nor am I requesting ALL of the money back. I simply want to be reimbursed for the XXXX plus tax item that was not sent to me. Apparently when Apple clerks hit dispute, it only lets them select the whole thing and I don't think it's being investigated properly. IF XXXX is made to show what address this was shipped to, it will not match my billing address on file with Apple Card. I only have one address for all intents and purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed an unauthorized account on my credit report from XXXX XXXX ACCCOUNT NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. Im asking this is removed from my report before I pursue further action against the bureaus
Product: Credit card or prepaid card

I paid my {$180.00} on XX/XX/21, and now on XX/XX/21, after posting to my First Progress Secured CC account the available credit is still at {$0.00}.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} ACCT XXXX XXXX  - XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$510.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX {$890.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

We have continued to try to communicate with Capital One Auto about our truck and delinquency. They claimed we outright " declined '' the catch up program ; however, they were asking that we pay {$1000.00} every 3 to 4 weeks. We have called numerous times trying to get an arrangement set, but all they kept offering was the catch up program. The co-borrower lost his job. He has been able find employment again. We called recently on XXXX, XX/XX/XXXX. They once again offered the same program and not once did the team member inform me that the account had been referred for repossession. I received the right to cure letter over the weekend. I am severely disappointed in Capital One lack of empathy to our situation and they're refusal to offer any other assistance programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, it has come to my attention that REGIONAL ACCEPTANCE CORP has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that REGIONAL ACCEPTANCE CORP has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Received a completed IRS Form 1099K from XXXX XXXX ( SquareXXXX ) XXXX, California. The form showed I had received a money transference to me of {$5.00} XX/XX/XXXX and over {$9000.00} XX/XX/XXXX. These numbers appeared to be reported on this form as income to me. 
Both of these were bogus. The form listed my name and address, and last 4 numbers of my Social Security. 
The XXXX  code was related to XXXX, XXXX etc. ( We had never received money from anybody other than our Social Security, and our investments ). We are retired and in our XXXX! 
We sent a letter to Block Inc. at the address provided, with a copy of the completed from and noted that this appeared to be a scam as we had nothing to do with receiving any payments. 
We talked with both Square as well as Cash App. and though there was an Account number on the IRS form - neither company indicated we were listed or members of their site. We have not received answers from any of these XXXX companies on who created this bogus IRS form, who claimed we received payments, what services were provided or why Block sent this document to us. Seems like an error was made or the entire document is part of a multi-company fraud. 

Replica of Form 1099-K Block Inc .

f/k/a Square , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Payee ( innocent party ) located in XXXX  Texas Filer is an Payment settlement entity ( XXXX ) Transaction Reported Third Party Network XXXX Block , Inc. https : //cash.app/contact Acct. # XXXX Filers TIN XXXX Amount : XXXX over {$500.00} XXXX over {$9500.00} Merchant Category Code : XXXX Number of Transactions : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I was out with my kids and lost my phone and cards. I filed a dispute about the unauthorized charges and cutting off my card. They agreed to the disputes and put the money back in my account and reissued my card. I didn't check my account until I received the new card and found out that whoever had my phone and cards had transfered the disputed money along with requested and received money from others and then transfered it to another one of my cards that they had. I wasn't able to close that card as there were open transactions on it. Venmo then put a security hold on my account for about a week. They then notified me that because the card the money was transfered to was already on my account that they closed the dispute and wouldn't take it any further. After I responded to them that it made no sense since it was all part of the same situation and the charges to the venmo card were accepted and refunded but the money that the person transfered out wasn't all because the account was already on there. They told me that the case was closed and they could not do anymore. They then made me change my password again and I had to send them proof of identification in the form of a picture of my driver 's license and then a picture of myself holding my license before they would take the hold off my account. So the dispute was denied but I still had to prove myself to get the hold off my account if the charges were considered authorized why did they keep the hold on my account until I proved my identity. The whole situation is a mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX name : has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate