23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Acct # XXXX To Whom It May Concern, I am writing to formally request a validation of the debt that you have contacted me about, which is referenced under the account number XXXX. According to my records, I do not owe any debt to your organization or the original creditor. Additionally, I have received verification from the state of Tennessee certifying that there is zero debt in my name. I have attached a certificate of verification of XXXX records of debt owed by XXXX XXXX XXXX. 
You were contacted in XXXX about this debt and no investigation results were sent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : XXXX. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature which substantiates the alleged debt. 
XXXX. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 
XXXX. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 
XXXX. **Proof of assignment** : Provide proof that IC System , Inc. has the legal right to collect this debt on behalf of the original creditor. 
XXXX. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 
XXXX. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX wet ink signature. 

Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. 

Sincerely, by : XXXX : XXXX : XXXX ---
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint and appeal against the permanent limitation imposed on my PayPal account. I believe this limitation has been placed in error, and I would like to request a thorough investigation into my case and the reinstatement of my account, if deemed appropriate. 

Firstly, I wish to emphasize that I have not violated any of PayPal 's policies. I have been a long-standing user of PayPal services XXXX and I have consistently adhered to all terms and conditions set forth by PayPal. I have always strived to maintain a strong and honest relationship with PayPal, utilizing its platform for various personal and business transactions. 

Given the aforementioned points, I am confident that this limitation is a result of an oversight or misunderstanding. It is disheartening to encounter such an issue, especially considering my commitment to abiding by PayPal 's policies and fostering a trustworthy relationship with the company. I kindly request your reconsideration and a fair examination of my account activity. 

I kindly urge PayPal to conduct a comprehensive re-evaluation of my account and its associated transactions. I am confident that upon thorough scrutiny, it will become apparent that there has been no violation or wrongdoing on my part. I sincerely believe in the integrity of PayPal 's systems and trust that a re-investigation will lead to a just resolution. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that any future correspondence regarding this matter be directed to this email address for prompt attention. 

I understand that PayPal has a duty to maintain the security and integrity of its platform, and I fully appreciate the measures in place to protect all users. However, I firmly believe that in my case, an error has occurred, leading to the unjust permanent limitation of my account. I trust in PayPal 's commitment to fairness and request your utmost attention to this matter. 

In conclusion, I respectfully appeal to PayPal to re-evaluate my case, consider the absence of any policy violations, and reinstate my PayPal account, allowing me to continue benefiting from the convenience and reliability that PayPal offers. I am confident that a review of my account activity will affirm my innocence and restore my account to good standing. 

Thank you for your attention to this matter, and I eagerly await your prompt response and resolution. 

Yours faithfully, [ XXXX XXXX ]
Product: Credit card

American Express has inexplicably frozen my rewards account which is over 5 years old. Due to me not being able to redeem my points I am unable to purchase flights that are on hold with their transfer partner, XXXX. Furthermore, they stated they will take XXXX8 weeks to review the account which will not be complete until after their 40 percent transfer bonus expires. I will now have to purchase the flights I had on hold for {$6000.00} since they will not let me use MY points. No points bonus has been applied to my account.
Product: Credit reporting

My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times, and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers, but has also allowed repeat offfenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX, is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and by willfully violating the FCRA ,
Product: Credit card or prepaid card

Bank of America branches are closed so I was asked to make a credit card payment thru there ATM. On XX/XX/2020 at XXXX XXXX, I tried to make a payment of {$1700.00} at the XXXX XXXX XXXX branch in XXXX GA. The ATM took the cash and gave me a receipt saying that it couldnt process the deposit. Since XX/XX/2020 I have called Bank of America numerous times and they are unable to give me a resolution. They took my hard earned money and making me run from one department to the other.
Product: Debt collection

Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond. 

I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ).

First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX  claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes. 

Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account.

Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity.

Goldman must cure their violations of the FCBA.
Product: Credit reporting or other personal consumer reports

Transunion refuses to provide a close date for the following accounts : XXXX XXXX XXXX XXXX XXXX They refuse to provide a close date but report a charge off every month so it looks like the account was charge off that current month. This is very dirty tactics. I've disputed more than once about the date and they refuse to provide a date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove unknown inquiries from my credit report. 
I have no knowledge of these listed. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Student loan

I am requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.
Product: Credit card or prepaid card

Bank of America withdraw {$3000.00} money from my XXXX debit card. 
On XX/XX/2020 my debit card from XXXX, issued by Bank of America was declined. When I checked my account, I noticed that there were 3 ATM withdrawals on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 for {$1000.00} each, and then bank suspended the debit card. I called the bank with the phone number on the back of the card at XXXXand told the customer service about it, he said I have to make a complain, and since it is Sunday you have to make a call on weekdays at this number XXXX the claim department. I called Monday morning and after 1 hour and 37 minutes on hold finally someone answered and after so many questions of me and my account, he transferred me and again 45 minutes on hold someone answered and the same questions again and he trained to someone else and again questions and finally after 3 hours and 34 minutes I was able to fill a claim and they give me a claim number and told me they going to send me a new debit card in 7 to 10 days. 
On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed. I called again and after almost 2 hours on hold someone answered and she said that I have to write a letter to request to reopen my clam, and request to get the ATM camera footage. I send and faxed the request on XX/XX/2020. 
I waited till XX/XX/2020, and called to find out about the status of the claim, after 1 hour and 47 minutes on hold finally someone answered and she told me that because I did not escalation my claim it is not active yet, so she transferred me again and after 45 minutes they did it. 
I called again after 3 weeks on XX/XX/XXXX, and again I was on hold for almost two hours they told me I have to wait, it takes 3 months for answer. I asked about hold time, she said our claim office is in Florida and since you are in California you have to call XXXX XXXX, and we have lots of claim and not much personal to answer soon. I called again on XX/XX/XXXX, at XXXX XXXX, and after 25 minutes on hold they told me I have to be patient and wait, I told her about my situation, and that this XXXX money is my only source of income, and its XXXX time, and I have bills to pay, she said she making a hardship note on my claim and I have to wait. 
Today is first of XXXX and I am still out of my money that Bank of America took from my account. I do not trust Bank of America. 
Please help me
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report.

Please find the attached documents to assist in the removing of the erroneous information currently on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/year>
Product: Checking or savings account

1. In 2018, my access to my account was limited and the bank said they need to complete investigation which was estimated to take one month. All the questions and information requested were given. 

2. I have attempted severally to reach the people handling the account without success. 
I called and left several messages and text on the account with no response or reply. 

3. I noticed severally were withdrawals were made by the bank and called the bank to find out who was taking money from my account. I noticed the few days the money was placed back into my account. This has been on going since 2018. 

4. My request to the bank is clear to close my account and return my balance with a cashier 's check to my home address with the account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On the XX/XX/22 I received a text from Bank of America saying that someone was trying to get some money from my account by XXXX if i allow it I responded no then a minute later I received a call i normally dont answer numbers that i dont know i figured out it was from the bank since i just received a text he was saying that he called from bank of America someone was trying to get some money we need to take care of it ok i said how do I know if you he telling me the truth he told me go on your account I did he was telling me everything from my account the amount my last transaction I did I only confirmed the information I said it must be from the bank he gave me a name and he told me he s going to give me a number of an associate that's on the case so whoever that trying to take money from my account can't do it I said to him again how do I know if you from the bank he told me go look in the back of your card you will see the the number I'm calling is the same I went and checked and I did the transaction he asked and after he asked me to delete his info this is where I realized it was a scam I called the bank right no one tried to help me until Monday XXXX someone filed the claim since then everytime I called is the same answers please help me I have family in XXXX to help I can't not loose this money thank you
Product: Mortgage

I am filing a complaint with all related agencies. 

Loan that was given by this bank to a individual that is building on property not owned by the individual ( on the wrong parcel ). The lending institution refuses to communicate on the loan. I understand the privacy laws but they have loaned money on improvements not associated with the site that was used for collateral. The title company that closed the loan confirmed that as well. Lender has refused to respond. I asked for the license number of the mortgage broker and she refused to provide it until I advised it was required for her to provide it. 

They have a {$400000.00} loan ( 70 % complete home ) on land not covered by the title policy or owned by the borrower. They have appeared to stopped construction but refuse to discuss this.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries showing on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX ) account, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

file against the XXXX major buraus XXXX/ experian/ XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX XXXXXXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal information without my consent, as part of their recent data breach. In addition, they dragged their feet in the announcement of the report, and even allowed their upper management to sell off stock before the announcement.