23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paypal- I used a Paypal account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using Paypal for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by Paypal to discuss possible fraudulent activity on my account. Paypal representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my Paypal account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. Paypal recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by Paypal stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my Paypal account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by Paypal stating that I owed charges for a purchase in XXXX of the stated laptop above. Paypal stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. Paypal stated they understood this, but I was still responsible for the charges. Please help
Product: Credit reporting

I contacted Equifax recently to dispute a trade line entry in the credit report Equifax compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Equifax indicated that the dispute would be investigated and a response provided within 30 days. Equifax closed the investigation without addressing the substance of the dispute ; rather Equifax performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Equifax allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Equifax facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Equifax has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Equifax 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Product: Credit reporting or other personal consumer reports

since XX/XX/year> Experian.com has been charging me {$24.00} for what I believed to have been a one time service. I just happened to notice the charge on my bank statement. While I did use their website to obtain my credit score, I did not subscribe to anything and if I did, inadvertently, I did not subscribe to a {$24.00} monthly " service. '' the reason I am contacting CFPB is because I believe I have been purposefully misled.
Product: Credit reporting or other personal consumer reports

Account Name Your report says XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX Midland Credit Management I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX owe $ XXXX off XX/XX/XXXX Dept of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I owe $ XXXX off XX/XX/XXXX There is also an unemployment claim taken out in my name in XX/XX/XXXX. I have been consistently working at my job since XX/XX/XXXX 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX CARES ACT Violation credit card payment never late XXXX XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collection company continually lies about this debt and they keep hitting my account as a new debt. Every single time I have disputed with the credit bureaus the debt is immediately removed from my credit report. In a year or so the debt collector will hit my credit again as a new debt and the cycle repeats. I have told the debt collector this isnt my debt and I have no knowledge of this debt. Thier info is boosted below ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with Discover Bank from XXXX ( {$1200.00} past due ). It was sent via certified mail & gave Discover Bank ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$370.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the Discover Bank agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Product: Checking or savings account

I woke up this morning ( XX/XX/year> ) and see an email saying my account is lock due to suspicious activity, and that my phone number and gmail is removed from my XXXX  which I didn't make that action. I call this morning to ask for unlock and Chase tell me my account is close permanently, they refuse to tell me why and I'm sure I didn't make any suspicious payment. Basically my account is close for no reason, I have no clue at all why or what's the transaction that cause this problem. I'm a student and I really need my money to survive, I can't wait for 20 days to receive my fund.
Product: Debt collection

Contacted for a debt that is not mine or that of a family member, identifying information of the revealed by debt collector about the intended target/debt which is against the law. 

XXXX  message received to my personal cell phone on Friday XX/XX/2024 @ XXXX XXXX : Penn Credit Corporation, a debt collector. Please contact our office at XXXX regarding an important business matter. To opt out reply stop. 

Text message received XXXX  XX/XX/2024 @ XXXX : Penn Credit Corp is a debt collector : ( Name Redacted ) you can make your XXXX XXXX payment online. Tap XXXX XXXX XXXXXXXX XXXX # XXXX & zip code, or XXXX opt out reply stop. 

Opt out reply sent XX/XX/2024 @ XXXX. 

I am not a family member or spouse of the intended recipient, nor have I ever been. In the text messages Penn Credit Corp not only identified the name of the debtor but the company they were collecting debt for and provided me with a link to which I was able to open and view the name of the debtor, the company who the debt was with, the amount of the debt and the date the debt occurred. 

Per my research : They have to identify themselves as debt collectors and they cant reveal your debts to any third party except your spouse or attorney. 
I have no affiliation with the person who holds this debt but, I am concerned with Penn 's tactics of illegally providing debt information to strangers.
Product: Debt collection

Repetitive harassing calls starting at XXXX back to back over and over. When I am working and I decline the call they immediately call back from the same number or a different number not even a second later.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Attached is all required documents they have requested drivers license social security card current bill approved police report and papers stating every fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
Product: Student loan

I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this company for violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal statutes. As a federally protected consumer, I assert my rights to ensure accurate and fair credit reporting, as well as the protection of my personal information. 



Background Per the FCRA, as a federally protected consumer, I am opting out of any and all authorizations, written or unwritten, verbal or non-verbal, that I may have given to these companies, as stated in 15 U.S.C. 6802.

Specific Violations This company has reported incorrect transaction history and balances on my credit report, in violation of 15 U.S.C. 1681, which mandates the accuracy and fairness of credit reporting. Despite my requests to correct these inaccuracies, the erroneous information remains.

This company has continued to report transaction histories without my consent, violating my rights under 15 U.S.C. 6801 and 15 U.S.C. 6802, which obligate financial institutions to respect the privacy and protect the security of their customers ' non-public information.

This company has also reported incorrect transaction histories and balances, resulting in unfair treatment and financial hardship. This is a clear violation of the legal obligations under the FCRA and the Privacy Act.

Legal Basis 15 U.S.C. 1681 : Accuracy and Fairness of Credit Reporting- It is illegal to report inaccurate transaction history. The continued reporting of erroneous transaction histories by these companies is a direct violation of this statute.

15 U.S.C. 6801 : Privacy Obligation Policy - Financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the security and confidentiality of non-public information.

15 U.S.C. 6802 : Obligations with Respect to Disclosures of Personal Information- I am opting out of any authorizations given to these companies, as allowed under this statute.

15 U.S.C. 6805 : Enforcement - The enforcement of these regulations falls under the jurisdiction of the Bureau of Consumer Financial Protection, Federal functional regulators, State insurance authorities, and the Federal Trade Commission.

15 U.S.C. 1611 : Criminal Liability for Willful and Knowing Violations - These companies may be subject to criminal liability for willful and knowing violations of these statutes.

Impact Due to these inaccuracies and the refusal of these companies to correct the errors, I have suffered unfair treatment in various financial transactions. This includes higher interest rates, denial of credit, and other financial hardships. As a result, I have experienced medical nuances such XXXX XXXX XXXX, anxiety attacks from the different housing environment break in and out of my home after being rejected for a more stable and sensible living arrangement. Each arrangement I have made towards a better living environment has been rejected due to my credit profile. These actions have not only violated my legal rights but also caused significant distress and financial damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I filed a complaint with the CFPB, about how XXXX continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. 
I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. 
I also want the XXXX XXXX 's that belong to my son removed from my profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  both XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I transferred {$10000.00} from my XXXX XX/XX/XXXX XXXX XXXX XXXX savings account which in an online bank to my Huntington checking account In XX/XX/XXXX I received an email from huntington that transfer was denied after the funds were taking out of my account and would be returned in 3 business days On XX/XX/XXXX I went to the Huntington branch they wanted proof that the funds and the account that it came from belonged to both which were provided then I was told it would be another 3 days before the funds were returned XX/XX/XXXX I went back to the Huntington branch said that they though the funds were from a small business loan which they werent and they would be return in 3 business days XX/XX/XXXX I received a letter from Huntington bank saying to contact the XXXX XX/XX/XXXX since they were initiating bank XX/XX/XXXX I reached out to XX/XX/XXXXXXXX since they are an online institution I cant go in but they said since the transfer was done in the Huntington app Huntington is the initiating bank not bankcorp bank XX/XX/XXXX I received an email fromXX/XX/XXXX XXXXXX/XX/XXXX stating no error and they still with their decision to return or track or my funds
Product: Checking or savings account

XX/XX/XXXX I reported fraudulent activity to Bank of America and filed a dispute in the amount of {$3000.00}. Then about 2 days later its already notifying me that the claim will not be paid and is closed. Well come to find out the representative didnt accurately include the correct transactions and included some authorized transactions in the fraud claim. So they had me resubmit the claim and of course since its a resubmission they dont issue provisional credit even though it was THEIR FAULT THAT I HAD TO RESUBMIT THE CLAIM. This claim literally consists of various random XXXX and XXXX type merchant names that dont even make sense when you try to read them. Nonetheless its obvious as obvious can be that they are fraudulent charges. So they push the investigation all the way to the XXXX day which is when they said they would be crediting my account for the transactions since they havent received any response from the merchants as of yet. But I woke up to a notification that the claim is closed and not paid. I spoke with a claims representative the day prior and SHE STATED THAT THEY HAD BEEN UNSUCCESSFUL IN GETTING ANY TYPE OF RESPONSE FROM THESE MERCHANTS. So how is it that 12 hours later the claim is closed and not paid. This is absolutely ridiculous and to make it worse they wont provide the documentation used in the determination of the claim decision which I thought they legally had the obligation to provide upon request.
Product: Credit card

This is concering JCPenney of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX XXXX representative asked me if I would like a rewards card for some instant discount. At no point in time did she ever mention or say that this was n't a simple points card but actually a credit card. There was no agreement or paper I was asked to read and agree to. It was only later when I got an alert from a identify fraud monitoring service that I realized what had happened. This has resulted in an unnecessary hard pull of my credit history and was tantamount to fraud. I had absolutely no idea that I was being signed up for a credit card at any point throughout the entire process.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX and a credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.