23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX bills from XXXX that i did n't know about at {$100.00} a bill ; XXXX of those bills belonged to my ex girlfriend ... i contacted collection consultants to resolve the issue and they told me that i could n't resolve XXXX of the bills because there was a third party involved so i told them that if it 's on my credit report then i should be able to handle it otherwise they need to remove it from my credit report. I paid off the {$100.00} bill that belonged to me and when i contacted them a few months later to make sure i had nothing else on my report they told me i owed nothing else ... after going online and disputing those false charges on my credit report, XXXX and XXXX immediately deleted them from my credit report ... Collection consultants decided that they had changed their minds and rejected my disputes ; they now claim i can pay those bills or they will stay on my credit report ... they are a bad and disorganized company with evil intentions and will stop at nothing ; they lied to me and now are obviously acting in desperation to collect any money with no regards to the pressure and stress they have caused me ... please help me make sure they stop their unorthodox business practice towards me and all other consumers ... the lady i was in contact with from collections consultants goes by the name XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with paypal months ago and have made purchases with it, with no problem. Today, however, I sold an expensive plan locally. The person asked to pay with paypal and I allowed them to do so. They paid, then got in their car and drove away. Paypal decided to place a hold on the {$600.00} until I ship. But there is nothing to ship, they paid locally. I messaged the person and asked that they go onto paypal and marked the transaction as received but they just blocked me. So now they have my plant and the money. Then on top of that, paypal is now saying there is some issue with my account so it's frozen and I can't withdraw money. I've NEVER had another paypal account. I have had serious cases of identity theft, which has been reported. This is my first ever paypal account and now {$600.00} that I needed to pay for my dogs XXXX, to save his life, is not going to be given to me. Paypal is literally killing my dog.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You spent {$1.00} at XXXX XXXX XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You were refunded {$1.00} at XXXX XXXX Note : I do not know where the business XXXX XXXX is located and I have never been there. 

XX/XX/2021, at XXXX XXXX Cash App : You spent {$1.00} at XXXX. I did not spend this money and never have used XXXX. 

Listed Phone number all Cash App Text is XXXX XXXX XXXX XXXX XXXX. 

I checked my actual account and nothing was taken out. I did not click on the link that was texted to me ( XXXX  )
Product: Credit card or prepaid card

On XX/XX/XXXX, I entered into an agreement with a website builder, to have a XXXX website built and delivered to me by XX/XX/XXXX. I made two payments with my TD Bank XXXX credit card for a total of {$1100.00}. After I made my final payment, and the site was partially turned over to me aroundXX/XX/XXXX, I realized that the site built was not the site I contracted for, per the written agreement with the website builder. I emailed to the Website builder that I did not receive the site that was contracted to be built, in the time frame that was specified in the contract. I requested to cancel the agreement and receive a refund, as the site built did not meet my needs. I was unable to use the website, and faced the added expense of building a XXXX  website, at an additional cost. The website builder in his reply email, acknowledge that he had built a site that he was not contracted to build, but refused to return my {$1100.00}. I filed a claim with TD Bank XXXX department. OnXX/XX/XXXX, I sent TD Bank all of the evidence to support my claim and they issued me a provisional credit of {$1100.00}. On XX/XX/XXXX, TD Bank sent me a response from the website builder and asked me to provide further information that the site built was not per our agreement. I had already provided all of this information in my initial package I sent to TD Bank. They requested that my response should be byXX/XX/XXXX. This second request from TD Bank was not dated, but there was a postmark date on the envelope of XX/XX/XXXX. I received the letter late evening of XX/XX/XXXX. I called TD BANK on the morning ofXX/XX/XXXX, to let them know that I was mailing my response back that day, since the letter was received late. The representative advised me to go ahead and mail the information and she would note my account that the letter was received after the deadline date. I also took a copy of the entire package to my local TD Bank branch to be faxed on XX/XX/XXXX.

To my surprise TD Bank had already closed the case on XX/XX/XXXX, even before I had received their request for information. They released the {$1100.00} to the website builder. This information was later verified when I received a statement from TD bank, which indicated that on XX/XX/XXXX they had re-posted the charge of {$1100.00} to my account.

I followed up with certified letters and phone calls to TD Bank, to no avail. In turn they sent me a letter stating that services were provided by the website builder. Which is totally false. I have all of the emails from the website builder acknowledging that the site built was not the agreed upon site. I ended up having to pay {$1100.00} to TD bank plus interest for a site that I was not able to use.
Product: Checking or savings account

On XX/XX/2021 I called PNC Bank to report a checking account opened under my name that I did not open. My name and social was used to open an account on the internet without my knowledge. The bank rep told me she would report to the fraud department. On XX/XX/2021 I received a statement for this checking account. I called PNC again and requested them to close these accounts as they could potentially expose myself and the bank to a loss if these accounts go into the negative. They said they would fill out a form and submit it to the fraud department, which they told me the same thing on XX/XX/XXXX and nothing happened. I said close the account and they told me they could not because I did not open them, THE FRAUDSTER DID therefore I am not the account owner. This is either a training issue or PNC has some bad policies regarding new accounts opened.
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 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 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.

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I enlisted in the military ( XXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX  XXXX, NC, XXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX   XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt and Illegal Reporting Practices To : Consumer Financial Protection Bureau ( CFPB ) Complaint Filed By : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Details of Complaint : I am filing this complaint against XXXX XXXX XXXX for their failure to comply with federal laws governing debt validation and credit reporting. 

Background : The account in question originated with XXXX XXXX ( Account No : # XXXX ). XXXX XXXX has been reporting a charged-off debt on my credit reports even after selling the account to XXXX XXXX XXXX 
XXXX never provided me with any debt validation documentation before transferring the account to XXXX XXXX. I had sent a debt validation request to XXXX, which was not acknowledged or responded to. 
XXXX XXXX has also not contacted me to validate this debt nor provided any notice of their legal right to collect in my state of Illinois. 

Legal Concerns : 1. Failure to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
2. Incorrect credit reporting by both XXXX XXXX and XXXX XXXX. The account continues to be reported by XXXX, despite its transfer to XXXX XXXX. 
3. Lack of a 1099-C form issued for the charge-off, which is required if the debt is considered canceled or forgiven. 

Supporting Documents : Credit report screenshots showing XXXX XXXX continued reporting of the account as a charge-off. 
Arbitration agreement from XXXX XXXX indicating my right to arbitration for disputes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'd want to advise your agency that the original creditor has been contacted regarding the issue and circumstance. I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unverified accounts on my credit reports
Product: Debt collection

Midland Credit Management contacted my girlfriend. Gave all accounts and exact balances owed. This is regarding 3 XXXX XXXX XXXX XXXXs and XXXX XXXX / XXXX card. They did this without any authorization. This was done on the morning of XX/XX/24
Product: Vehicle loan or lease

The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX  XXXX XXXX Balance : {$2000.00}
Product: Mortgage

XXXX I want the following concerns addressed as soon as possible : Refrain from foreclosures proceedings Message email from XXXX XXXX Void repayment plan paying XXXX a month I only bring home XXXX. 
Ignoring my financial and health hardship ( XXXX  XXXX XXXX ) Messages from Doctors ' Please refrain from starting any foreclosure proceedings, I have been working hard as sick as I am trying to come up with a resolution. 

Frist of all, I am writing again to XXXX  to file another complaint with SPS and mail the complaint to the owner of my mortgage which is XXXX XXXX XXXX XXXX XXXX. 

I want SPS to look at the repayment plan, the monthly payments are too high and i simply can not afford them right now because I a being impacted by the new XXXX virus and a XXXX  XXXX XXXX such as XXXX  XXXX XXXX. 

I am writing to the Department of Housing and Urban Development to find out how I can get help in taking care of my mortgage. 

I am XXXX XXXX XXXX and facing serious financial and health hardship, I feel that there was error were made and I want to appeal the decision of SPS. I think it is wrong to charge me a large monthly payment when I am struggling. 
Your letter asks to understand my financial situation so you can possibly request an exception. What exactly does this mean? I sent you a new income and expense worksheet explaining my financial situation, I don't believe none of you even looked at it. 

Finally, your letter states that XXXX is my assigned Relationship Manager, she is yet to reach me, I have emailed her several times and I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I'm not related with these credit administrators, and I didn't begin the request. I'm referencing that you get them out of my credit report right away. These deals are not upheld by me and are futile to my financial activities. I request their development from my credit report.
Product: Credit card

I was on track to paying off a promotional charge to get emergency dental work. I had {$330.00} left to pay off when they charged me {$1200.00} in interest. This was unexpected because I hadn't missed a payment and have always paid over the minimum amount due so I should have paid it off with in the 18 months. 

I contacted them to see if I could negotiate and pay what I owed and have that ridiculous interest charge taken off. Their standard help line couldn't help me so I asked to be transferred to collections hoping they could work with me. My call was dropped when transferred. I called back and asked to be transferred tot he same department again, they gave me a number that was supposed to be a direct line but it takes me right back to the main automated service. After many calls in and more time than I have available on hold, I have not been able to reach any one above the initial support who keep saying they can't help me. The last guy said my account was closed and that I had closed it today. I did not close and am just trying to reach someone who can negotiate this with me.
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

I have previously communicated to XXXX, TransUnion, and XXXX, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXXXXXX XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account name : XXXXXXXX XXXX XXXX  XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies.

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality.

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.
Product: Credit card

IHAVE BEEN WITH AMEX 32 YEARS. I HAVE NEVER HAD FRAUD OR ANY FRAUD. 
I HAVE NEVER MISSED PAYMENTS OR HAVE CREDIT ISSUES. MY CREDIT LINE IS {$11000.00} AND ALL OF THE SUDDEN I WANTED TO LINK SEVERAL BANK ACCOUNTS AND MY AMEX TO XXXX WITH OTHERS TO PLAN A TRIP. AMEX FLAGGED MY ACCOUNT. KEEP IN MIND THE MOST CREDIT I USED WAS ABOUT {$6400.00} I MAKE ALL REQUIRED PAYMENTS THEM I WAS HARRASSED WITH EMAILS AND CALLS ASKING ME FOR XXXX PAYMENT OR MY ACCOUNT WILL BE CLOSED. 
WHEN MY STATEMENT PAYMENT WAS COMPLETELY DIFFERENT. THIS WAS NOT A FRAUD EMAIL. IT CAME DIRECTLY FROM AMEX. MY ACCOUNT WAS FLAGGED TO CALL THE FRAUD DEPARTMENT. I EVEN HAD A PIN ON MY ACCOUNT AND NEVER HAD FRAUD ON ANY OF MY ACCOUNTS. THE AGENT I SPOKE TO WHEN CALLING STATED WE WILL CLEAR THIS UP AND ASKED ME SEVERAL QUESTIONS MY PIN WANTED MY FULL SOCIAL. BIRTH DATE, ETC. I BARELY USE THE CARD. I MADE ONE LARGE PURCHASE BACK IN XXXX. OF {$6000.00} AND HAD NO BALANCE PRIOR THAT. SHE INDICATED I NEED TO MAIL IN MY DRIVER LISC. DO I NEED TO STATE MORE THAN I SPEAK WITH XXXX WHO WAS LOOKING TO DEMEAN, XXXX, AND DECREASED MY CREDIT LINE AND STATED THERE IS A FRAUD CONCERN AND I AM A RISK, XXXX ID XXXX. THIS WAS ALL OVER LINKING MY ACCOUNT TO XXXX I AM A FRAUD AND RISK?? BLOCKED MY CREIDT LINE WAS REDUCED TO {$200.00} BLOCKED MY ACCOUNT. 
A LETTER WAS SENT SHORTLEY AFTER SPEAKING TO THIS WOMEN WHO CALLED ME A FRAUD AND A RISK. ITS UNBELIEVABLE. A LETTER FOLLWED HOURS LATER STATING MY XXXX CREDIT REPORT THAT I AM LATE PAYING CREDITORS. FALSE AND THAT MY PAYMENT HISTORY WITH MY CREDITORS AND I MAXED OUT MY CARDS. FALSE. I HAVE CARDS WITH XXXX LIMITS AND HAVE NOT USED THEM. THIS IS FALSE. MY CREDIT REPORT HAS REMAINED THE SAME AND ALL THE SUDDEN TODAY I AM A FRAUD AND CRETING RISK, UNSOUND BUSINESS PRACTICES AND WEAPONIZED ME AND REDUCED MY CREDIT LINE TO {$200.00}. IF I AM A FRAUD AND A RISK WHY NOT CLOSE THE ACCOUNT. THIS IS DANDGEROUS THAT A LOW LEVEL EMPLOYEE CAN DO THIS AND MAKE THIS DETERMINATION. I AM OBTAINING A CONSUMER LAWYER. I HAVE VERY GOOD CREDIT. I WILL NOT TOLERATE AND ITS CRIMINAL FOR THIS EMPOYEE TO XXXX I AM A FRAUD AND REDUCE MY CREDIT LIMIT. THIS PERSON IS DANGEROUS AND SHOULD BE FIRED.
Product: Credit reporting or other personal consumer reports

Athe hard inquires on my credit report are in accurate. The sites and companys are places I did not apply for as I was a victim of spam callers and scammers. This has been an ongoing problem with my accounts with XXXX XXXX, XXXX, XXXX, and trans union as well. This information is causing my credit score and report to suffer. I have filed complaints and disputes with each top 3 credit bureaus and i am hoping to get this resolved quickly