23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2019 I reported the collection agency by the name of IC SYSTEMS, who purchased a debt from XXXX XXXX XXXX XXXX XXXX as well as another agency ( nameless, it has been cleared ). I contacted the bureaus with supporting documents to have the account removed from my report. Both XXXX and XXXX removed the account and also noted that, the company should not be allowed to report this debt again. 
I also contacted the CFPB, in 2019, regarding this company. The account was removed from my account due to fraud, in 2019. However, this same account has been listed as a collection item, once again, on my XXXX credit report. XXXX later. As proven, I have sent validation letters to this company, that went unanswered after the legal allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back from XXXX of XXXX, I have made numerous attempts to contact Transition via mail in an effort to rectify and have them remove the inaccurate and fraudulent information that is reporting to my consumer report. On XX/XX/XXXX, I attempted to call Transition to ensure that they have received my FTC report and spoke a representative by the name of XXXX who notified me that even though I submitted an FTC report and Transunion did in fact receive this report that they would not be able to remove the items that are showing up inaccurately and fraudulently. I also informed her of the various addresses that do not belong to me, a public record : Bankruptcy that does not belong to me in addition to a collection : XXXX XXXX XXXX that is showing up on my report and two other accounts that are showing up as owed and delinquent : XXXX XXXX XXXX XXXX XXXX and XXXX. I also notified this representative that there were also inquired that were showing up on my consumer report that have hindered me from extending my open-ended consumer credit plan to various corporations including ; XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and US Small Business Administration. After having this conversation I left feeling anxious, overwhelmed and depressed knowing that inaccurate and fraudulent information could show up on my consumer report and possibly not be removed.
Product: Checking or savings account

I am sketchy on the date this happened exactly but I know for a fact it was on the XXXX of the month of XXXX or XXXX. I visited Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX XXXX XXXX ) to use there ATM for I had just received my monthly stipend. I was looking forward to the relationship I would be building with Navy Federal and was moving from XXXX bank so I was excited and entered the branch early around XXXX XXXX  ish. I attempted to deposit {$300.00} into the last ATM machine. While doing so the money jammed in the machine, the machine began to malfuction and restart I waited and waited to see if it was just restarting because it was early or something, but the machine did in fact restart but so did the whole transaction and I recieved no receipt or got to chance to complete my transaction I looked up and noticed that there was a camera right above the machines. I then waited for the bank to open and came back to that same branch and spoke with a younger lady who basically told me this is not a XXXX XXXX bank so there wasn't much they could do and that I needed to contact my bank and tell them what happened. I immedialety contacted XXXX XXXX and explained what happened and to make a long story short I was given a credit and it was taken back because they claimed to have conducted a thorough investigation on. I am out of it feels like {$600.00} but really {$300.00} and that is my bill money for the month I owe people because of this debt I have also requested proof of this thorough investigation because again there was a camera right above the ATM machines so there should be footage of the day I came into the bank twice.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TRANSUNION 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$370000.00}
Product: Debt collection

I have been a customer of Citibank since the XXXX 's. I had 3 Citicards for which I paid at least the amount required each month. 
In XX/XX/XXXX, I fell in my grandsons school playground and almost XXXX XXXX XXXX XXXX. 
I was not able to pay all bills involved. I paid the Advantage Card in XX/XX/XXXX, but not XX/XX/XXXX. I paid less on the Cash and XXXX cards in XXXX and XX/XX/XXXX. 
After Citi Cards Collection phone calls to my home, I went to my Branch on XXXX XX/XX/XXXX where I had a long conversation by phone with a representative from Citicards to save the Advantage Card, and to trash the Cash and XXXX Cards. 
I asked the representative to mail letters of our conversation. They were received in time to make the First payments : {$300.00} on XX/XX/XXXX done by Citi teller ( attached ) and the others Cash {$270.00} and XXXX {$160.00} on XX/XX/XXXX. All these payments to be for 5 months. 

Now that the second payment is due on XX/XX/XXXX, they invade my account website and change the terms.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the ongoing and inaccurate reporting of several student loan accounts by Experian on my credit report. These accounts, allegedly serviced by XXXX, are not mine and have no association with me. My actual student loans are exclusively serviced by XXXX, as confirmed in the attached XXXX statement. 

The following Navient accounts have been inaccurately reported on my Experian credit file : Account Number : XXXX Balance : {$2800.00} Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Balance : {$8000.00} Original Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Original Balance : {$5500.00} Account Number : XXXX Original Balance : {$870.00} I have provided extensive documentation to Experian to support my claim, including : An official police report identifying these accounts as fraudulent. 
FTC identity theft reports submitted multiple times. 
My XXXX statement confirming that my student loans are serviced solely by XXXX and not XXXX. 
Despite these efforts, Experian has failed to remove these accounts from my credit file. This ongoing inaction violates the Fair Credit Reporting Act ( FCRA ), particularly 605B ( 15 U.S.C. 1681c-2 ), which requires the prompt removal of fraudulent accounts when provided with sufficient evidence, such as a police report or FTC identity theft report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I am in violation of PayPal 's Acceptable Use Policy. I sell Instagram Accounts and in XX/XX/2020 I've got another limitation by PayPal, and they asked me to explain my business and where the money are coming from ( Ref ID - XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I am in violation of PayPal 's Acceptable Use Policy or that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I work and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not selling stolen virtual goods. At first, I thought this was a mistake, so I emailed XXXX, requesting a second review, and they redirected me to PayPal 's Executive Escaladation, but they told me it wasn't a mistake and I was really violating PayPal 's Acceptable Use Policy, but they didn't tell me what exacly was against PayPal 's policy or which products or services are in violation with the policy. They told me that they will do regular reviews of the account and they will tell me when I can withdraw the money and how much I can withdraw. My problem is that most of the money in the balance ( up to 75 % ) are coming from transactions that are older than 6 months, so there is no way of chargebacks or refunds. That being said, the reason why I am writing this is because I want to understand what I did wrong and how I was in violation with PayPal 's Acceptable Use Policy. I expect a clear explanation, giving me the number of the transaction that violated PayPal 's Acceptable Use Policy and more importantly, why it did. Besides, I request another review of my account in which PayPal to calculate the damages ( if there's any ) and let me withdraw at least a part of my money, since most of them are coming from transactions older than 6 months. I suffered huge losses for my business and the only reason I've got was " Some of your products or services are violation of PayPal 's Acceptable Use Policy '' and this is not enough for me to block my XXXX $ balance and ruin my business. I understand that under their User Agreement they can hold my money up to 6 months, but I want to understand the reason why they are doing it, especially when they verified my activity back in XXXX and didn't find anything suspect.
Product: Student loan

I called in the beginning of XXXX to ask about getting a payment refunded that Mohela was not supposed to pull because my account was supposed to be in a forbearance. They said they would process the forbearance for XXXX and refund my payment. I never received the refund. I called again to find out why I hadn't received a refund and the lady told me that the forbearance was submitted, but no one had applied it to my account, so they couldn't refund me the money. She said she would resubmit the forbearance and it would take up to 15 days for it to apply to the account. After it is applied, which she said there was no way of me seeing when it gets applied, she said I could call back and request the refund. 

My account is now past due because they still haven't refunded what would equate to 8 months of payments back to me. I feel like this is terrible negligence on their part and it is now affecting my family 's future. I have tried to send in messages, but they are not responded to for months, and all the response says is I have to call, which then requires calls that take no less than 30 minutes to try and find a resolution.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Mortgage

I received my escrow analysis dated XX/XX/XXXX which shows a shortage. Upon review it appears that wind/sup and condo insurance have been paid out of my account since XXXX of XXXX Unfortunately, these payments are in error as I do not have wind coverage nor am I required to maintain it on my property and my property is not a condo. I've asked them to refund the erroneous amounts immediately and conduct a new escrow analysis to provide me with a refund of the excess money I paid. I have attemptedto resolve this multiple times to no end. I am filing a complaint with the CFPB to ensure this is resolved timely. I'm including copies of the escrow analysis as well as the response to my previous complaint. The written response does not address my actual complaint which has to do with wind and condo ( not flood ). We are well aware our property is in a flood zone and maintain appropriate flood insurance which was paid in XXXX of this year as indicated in my analysis. I've asked that they correct this error immediately and adjust my monthly payment as they are erroneously charging me an extra $ XXXX and have been since XXXX of XXXX. Until now it was out of escrow, and now our mortgage is being increased incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.
Product: Debt collection

I never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulationXXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.
Product: Credit card or prepaid card

Paid off Barclaycard XXXX months ago, but it held processing to accrue late fee charges, then Barclaycard discontinued sending paper statements and changed credit card account without sending credit card replacement. 

Unaware, Barclaycard account went from zero to {$170.00} from entire late fees and APR penalty increase without a single purchase or cause for charge. 

Five hours of customer service calls, Barclaycard refuses to give me any paper document other than a discontinuation letter of notice which it threatens to negatively impact my credit rating. 

I may need to file lawsuit through Small Claims to get Barclaycard 's attention to stop wrongly harassing me and having their collections phone me on weekends at XXXX. 

The only information that I have from Barclaycard about the account number are the last four digits so I can't even write to Customer Service for help as there is no account to refer to, and when I received the one document in the mail it was poorly printed from someone's home computer so appeared to be a phishing scam but I called the direct number from Barclaycard web site and there is this problematic issue.
Product: Debt collection

I have been paying the debt since XXXX time frame. Out of nowhere in XX/XX/year> I received a copy of a warrant for debt taped to my door. I never received any notification, no chance to dispute, no nothing. I would like to reiterate I have been paying this debt per the agreement so the summons should have never been filed in court. They never provided me statements of my balance, nothing. After I received the summons I contacted them and said why am I being served? Their reply was " well are you paying towards the debt? '' I responded YES I have been paying and I have proof. Nothing has changed to this date. This leads me to believe my payments are not being properly applied and put towards my account. My rights are being violated by unfair practices especially since I am actually PAYING the debt. I'm not even disputing it.
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. 
Online Information Services XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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: Debt collection

I don't know how these people got my information, I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.
Product: Debt collection

Hunter Warfield attacked my credit score without sending me any notices in the mail or leaving any message on my phone about a debit being owed. The apartment complex where the debit originated from never billed me for the amount being owed and I promptly payed after receiving my final move out settlement.
Product: Money transfer, virtual currency, or money service

I have talked to discover banks fraud unit about my certifcate of deposit and to my XXXX XXXX XXXX XXXX and to my XXXX XXXX XXXX also my XXXX XXXX and to XXXX XXXX  and to XXXX XXXX   and to XXXX XXXX and also to XXXX XXXX XXXX also XXXX and XXXX about my accounts and cds   roths ira and home loans and i have been discrinated aginst a home loan and that my certifacates of deposits are not funded that my my accounts have been closed because the they were not funded as of today iam not able to recive any of my money or retain my ETFS or divideds are the mutraity of my envestments iam having financal hard ship and i am currently homles and have no others means to file this report and there has been other issuse with my credit report and overpayment to my chidsupport the county of orange says iam 180  days late but on my credit report it says i have been late in only 1 to 3 days late in past 7 to 10 years i belive my idenity has been stolen plus my mail and delivers of prouduct are be stolen i have not recived my credit cards either all of this in the past 5 years i have been comuncating with all financal instatuisons orders from google have been payed for and i have not receved payment or prouducts from these companys iam in need of help with these matters and thank you for your help sincely XXXX XXXX thank you
Product: Credit reporting or other personal consumer reports

HAVE NOT SUPPLIED PROOF UNDE THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF ENGELHARDT. V GRAVENS ( MO ) 281 SW715.719 PRESUMED THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

XXXX XXXX XXXX XXXX, XXXX : {$25000.00} XXXX, XXXX : {$7800.00} XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4000.00} XXXX, XXXX : {$65000.00} PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. 
In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. 
The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. 
Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.