23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in response to your collection placed on credit report twice. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Texas ; XXXX proof XXXX the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
Product: Credit card or prepaid card

In XXXX I enrolled into a debt counseling program. I gave them all my credit info. And never opened any new accounts due to wanting to get out of debt. In XXXX or XX/XX/XXXX I received a call from the debt counseling company asking if I wanted to add the new debt of XXXX. I advised them i never opened any new credit cards nor had I had any new debt. They gave me the number of the company claiming I owe them XXXX. I called the number which was Midland credit management XXXX XXXX XXXX. They would not.give me any information on the account I told.them I never opened an account with them and wanted to know who opened the account. They just kept transferring me over and over. Never giving me any information just wanting to collect money from me. So I ignored this fraud claim thinking they got the hint I was not going to pay them any money. So, today I checked my free credit report and noticed this company is on my credit report it had the date the card was opened how much is due. So I called them again to let them know I never opened this account and asked for information on who opened the account and again I was transferred over again. Also, when I call they answer the phone as if they were home and not.in a professional setting. I dont know what to do and how to dispute this fraud. Any help would be greatly appreciated. 
XXXX
Product: Debt collection

I was a victim of identity theft and this account is not mine. I have reptedlydisputed with XXXX XXXX and they will not remove it. The account is target for XXXX
Product: Checking or savings account

SVB XXXX offers a 3 % money market account on their website : https : //www.svb.com/startup-banking-edge/ # I have tried several times to contact the bank, via email and telephone. 
SVB XXXX has replied indicating " Unfortunately, we would not be able to extend our banking services ... '' This is deceptive advertising. SVB XXXX is conducting a fraudulent advertising campaign that is illegal and should be stopped from conducting those practices. 

I hereby submit my formal complaint against SVB XXXX for falsely advertising returns that are non-existent from my knowledge and wish to bring this to the CFPB office for review and determination of penalty ( s ). 

Electronically Signed, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.
Product: Money transfers

XXXX/XXXX/17 I transferred {$1300.00} and {$1.00} dollar to my mother through QuickPay service provided by Chase using my smart phone. My mom did not receive {$1300.00} but she did receive {$1.00}. 
XXXX/XXXX/17 I transferred {$400.00} to my mom and she never received the {$400.00}. I have transferred in total of {$1700.00} that she did not receive. My mother received a text from Chase stating that I sent her money through QuickPay and they are processing the transaction. 
XXXX/XXXX/17 at XXXX I filed a claim with Chase over the phone. They let me know that {$1700.00} went to someone else 's account that is not my mother 's. They said I should hear back with an update in 3-5 business days. 
XXXX/XXXX/17 I did not receive any updates from Chase, so I went to the local branch and was notified that the only way to reverse the charges would be for Chase to contact the person who received the fund and ask him to give the money back. In the event that s/he does n't want to give back the funds, I would need to resolve this outside of Chase. 
XXXX/XXXX/17 I was notified over the phone and email that Chase will not reverse the {$1700.00} charges to my account. Chase had determined that the charges were correct. 

I would like to add that I never authorized Chase to transfer my money to a different bank account other than my mothers. In order to send money through Chase QuickPay, I needed to add my mother as a recipient by filling out her email address and phone number ( optional ), which I did both CORRECTLY. Chase explained that someone else must have signed up for Chase QuickPay using my mother 's phone number, and the money was sent to him/her. My mother has had this cell phone for 8 years and never shared it with anyone else. Again, I never authorized Chase to send money to that phone number. I was under the impression that the money would be sent to the account registered with the email address I had provided, and the phone number was only optional. Chase never notified me the the funds would be transferred using just the phone number of the recipient. Chase did not do their due diligence to verify that the person who 's receiving the funds indeed have the phone number that they provided on chase QuickPay
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I never graduated from the XXXX XXXX XXXX in XXXX, but paid off the loan and i am still in debt from a school that closed down the next year in XXXX, I have record of certification that I was supposed to receive after attending, because I was told I owed money before I can get my certification. It was fraudulent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XX/XX/year> Professional credit management , INC XXXX XXXX XXXX XXXX, Ar XXXX Dear To whom this may concern, I am writing to dispute the debt referenced as XXXX. I recently received communication regarding this debt, which included an itemized receipt. However, I did not receive a copy of the original contract that verifies my agreement to the terms and conditions of this alleged obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I am requesting that you provide a copy of the original contract that bears my signature. This document is necessary for me to verify the legitimacy of this debt. Without such documentation, I am unable to ascertain the accuracy or validity of the claim. 

Please note that this letter serves as a formal dispute of the debt, and I am requesting validation of the debt in accordance with federal law. Until this validation is provided, I expect the matter to remain unresolved, and I request that no further collection activity be pursued. 

If you are unable to provide the original contract within 30 days of receipt of this letter, I kindly ask that you cease collection efforts and remove the debt from your records. 

Thank you for your immediate attention to this matter. Please respond to my request in writing at the address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$770.00}
Product: Checking or savings account

Tried connecting my XXXX investment account and PNC won't let me
Product: Money transfer, virtual currency, or money service

I did a money ( {$100.00} ) transfer with XE Money Transfer on XX/XX/2023 and the recipient did not get the money. 
I asked the company to investigate. The company at first went on different direction verifying my credentials even though it was already done when I opened the account with the XE Money Transfer Company and lost sight of my inquiry about the recipient not getting the money. I reminded them. The company mentioned that it has started the recall process. 

As of today, XX/XX/2023 I have not received a refund.
Product: Credit reporting or other personal consumer reports

There's inaccurate information on my Equifax credit report. I've requested assistance multiple times with no remedy.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent a dispute letter to Transunion in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Transunion report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification of all the accounts verified from Transunion dispute report 15USC 1681i. Transunion has failed to send me the procedures they took to verify these accounts, names of persons who verified accounts, employee/badge numbers and direct phone numbers of who verified the accounts from the furnishers. XX/XX/2023 In Transunion response they stated they were unsure of my request. I XXXX XXXX am simply asking for proof of verification from Transunion dispute report to ensure accuracy on report # XXXX XXXX XXXX XXXX XXXX a ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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: Checking or savings account

hello, my name is XXXX XXXX. 

Im custumer from capital one bank and i received email about my account has been locked without any reason. 

the email said XXXX, XXXX XXXX We restricted your account ( s ) We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

I think if something happend they should call me and talk to me about what is the activity they want made sure that is me or not. 

Now i cant paid my bill becouse my money is on hold. 

I feel really fustrated about this arbitrary decision was made with my account. 

i check all my activity and i didnt see any change for be consider suspicius for lock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX 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, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance with Credit Report Dispute I am writing to seek your assistance regarding inaccuracies on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 
I have recently disputed several items with Equifax, including inaccurate accounts, late payments, collection accounts, and unauthorized inquiries. Despite my efforts to rectify these issues, I have faced challenges in achieving a resolution. 
**The specific items I wish to dispute include : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are inaccurately reported and have negatively impacted my creditworthiness. I have submitted a formal dispute to Equifax but have not received a satisfactory response or resolution. 
I kindly request your assistance in this matter. I believe that your office may be able to provide guidance or intervention to help ensure that my rights under the FCRA are upheld and that these inaccuracies are corrected. 
Thank you for your attention to this important matter. I appreciate any assistance you can provide and look forward to your response.
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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$12000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX XXXX  reals. I contacted Western Union 's customer service to have this rectified, but was only told XXXX ) transfer rates are subject to fluctuation and/or XXXX ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually trace the transaction and actually SEE what was indeed deposited. The deficient amount was XXXX XXXX reals, which is approximately over XXXX % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. My spouse 's issue with Western Union that Western Union successfully resolved was Western Union incident number XXXX. I am enclosing screen shots of our contract and what was actually deposited. The amount deficient is WAY MORE than any XXXX  % tax that Western Union previously alleged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. 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 an account without my written instruction.
Product: Credit card

On XXXX XXXX I purchased the counterfeit item through XXXX where the seller was based in Texas, USA. I received my package from XXXX and the seller is located in XXXX. I paid $ {$730.00} to XXXX. XXXX and XXXX did not approve my complaint - instead they took money from me and will eventually pay to counterfeiters in XXXX. Both entities support Counterfeits in XXXX. Here is info on XXXX : Funds will be available to your recipient on or before : XXXX XXXX, 2016 The payment will be credited to the recipient 's XXXX account. The recipient will be able to access the funds according to the terms of their XXXX User agreement. This should not impact the shipping date or any agreement you have with the seller.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to you regarding the recent blockage and limitation placed on my newly registered PayPal account. I would like to bring to your attention the fact that I am a new user on your platform and have not engaged in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal has strict security measures in place to protect its users, and I appreciate your efforts in ensuring a safe environment for online transactions. However, I believe there may have been a misunderstanding or an error in the assessment of my account.

I kindly request you to review my account and provide me with the specific reasons for the blockage and limitation. As a new user, I have not had the opportunity to make any transactions or perform any actions that could raise concerns. I am committed to abiding by PayPal 's rules and regulations and would like to resolve this matter promptly. 

I am more than willing to provide any additional information or documentation that may be required to verify my identity and regain full access to my account. Please let me know the necessary steps I need to take to rectify this situation. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving the issue and allowing me to fully utilize the PayPal services. Please feel free to contact me if you require any further information. 

Yours sincerely, XXXX XXXX E-mail : XXXX XXXX
Product: Debt collection

Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment