23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX XXXX  XXXX, I was scammed by someone identifying as XXXX  XXXX XXXX  I found their number on XXXX and called them. They explained my account was disabled ( my reason for the call ) due to fraudulent transactions and mentioned a XXXX XXXX XXXX XXXX XXXXXXXX and others that " red flagged '' the system. At this point I was hooked, because I did the same amount just the other day Then he sent 2 confirmation text messages with my case number and a verification ID. He advised to go through several apps to verify me in order to confirm my identity and unlock it. We went through XXXX XXXX, in which I couldn't fund any amounts he suggested, he asked to look in history if I see any unusual activity, we did same with XXXX and he asked me to create a virtual account and see if it sends money as a security virtual code ( that was also in one of the text messages ). He was Team viewing me from my other phone and basically directing me every step of the way, I was almost under influence and couldn't think clearly. I sent the money to an account a phone number with XXXX, XXXX $ and they said it would show up again in the account as it was only for verification, the money shouldn't go through. At this point, I had to pick up several phone calls and then immediately, at XXXX called the bank JP Morgan Chase to verify this transaction and stop it ( it was showing " under review '' in XXXX  ). I talked to them explained all the error of the situation and they said it nothing they can do and that it was completed. NOTHING! I checked XXXX and saw that it showed completed indeed, just " pending '' in my statement balance probably. 
Did not have any words after that, realizing I couldn't trust my bank also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX  Account # 's NCB Management Services Acct # XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time out to address this matter! 

This account is effecting my ability to obtain credit!! 

This account is reporting inaccurate information!! With several so violations!! 

This is a paid judgement!!! Which was promised to come off my consumer reports once paid!!! 

Credit bureaus have not kept their Promise please REMOVE account as soon as possible!!
Product: Mortgage

I have been dealing with Ditech mortgage company for 3 months. My house flooded and my flood insurance handled their report in a timely manner. Ever conversation I have had with a person from Ditech gives me a different story on how my I can get my funds in order to repair my house. It got to the point that I have used my own money, out of pocket, to repair my home. An adjuster was sent out to my house on XX/XX/2016 and emailed to Ditech confirming that my house is 100 % complete. I faxed in the final information they needed ( XXXX form ) 3 days ago. They have received this fax but tell me it will take them another 7-10 business days ( which has turned into 15 or more days in each past experience ) to overnight my check, which I am paying for them to do. I have never dealt with more incompetent, rude, and nonproductive people in my life.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number due to the XXXX XXXX. Which has resulted in me being a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I have also included a signed and notarized copy of my Affidavit of Facts and Truth. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX Account XXXX : XXXX
Product: Checking or savings account

Chase has restricted my account, blocked all type of debits from my account, even turned off mobile deposit for me. They're not even letting me make a XXXX transaction. I need my account to be reinstated right away.
Product: Debt collection

I have been a client with PayPal since its XXXX inception. Around XXXX I initiated a line of credit with PayPal Credit. In XXXX of XXXX I discovered that my XXXX accounts were hacked, and thousands were stolen. Around XX/XX/XXXX, I discovered that my PayPal Credit account was also accessed and a XXXX card. All financial Institutions were notified. 
PayPal was very difficult during the process. On XX/XX/XXXX, around XXXX, I attempted to contact PayPal beginning with Customer Service XXXX I was transferred twice, and disconnected. Between XXXX XXXX XXXX, I contacted PayPal Customer Service six times. On XX/XX/XXXX, I was transferred to PayPal Credit XXXX. PayPal had no program outside online submission to report fraud and unauthorized transactions and they had no established process for doing so with required ADA accessibility. On XX/XX/XXXX, from XXXX XXXX, I went over transactions over the phone with the PayPal representative to hand enter on my behalf ; as they had no established process for doing so with required ADA accessibility . PayPal instructed that the entire account would be flagged for identity theft, as transactions could not be separated accurately. I was instructed to call XXXX in seven business days to ensure account would be marked to close after 6mo federal wait. ( I discovered later this was a violation of federal law ). Called above number on XX/XX/XXXX, around XXXX and was told to call in 6 months to verify closure of account ; it would be discharged after the 6month federal hold and fall off my credit report by XXXX XXXX CRA report XXXX ( I discovered later this was a violation of federal law ) From the identity theft period in XXXX, until XX/XX/XXXX, PayPal continued to call and harass my phone, an average of 4 calls a day, 7 days a week, even with a verbal cease and desists. A total of 322 calls and numerous mailings. XX/XX/XXXX, I followed up with PayPal and was notified that the identity theft debt was charged off and no further collection attempt would be made. ( I discovered later this was a violation of federal law ). 
What PayPal did though, is sell the debt illegally to a 3rd party debt collector, without utilizing the Arbitration method detailed in their terms and conditions. That 3rd party debt collector immediately reported to my credit report and I am currently dealing with an illegal lawsuit because of PayPal 's actions. This has caused extensive undue harm and continues to do extensive damage. 
This complaint serves as 30 day notice of intent to file in federal court.
Product: Checking or savings account

I XXXX XXXX experienced fraudulent activity on my checking account via debit card transactions via atm and bank withdrawals on XXXX XX/XX/24. I did not lose my debit card at anytime and have the debit card in my possession currently. On XX/XX/24 I noticed a card replacement fee on my account. From then on a total of {$3700.00} had been deducted from my account by atm, bank withdrawals and purchases with my debit card pin over a XXXX hour period. I did not make these transactions. These transactions were done by someone else who hacked my account. I called Chase immediately to notify them of the activity. Chase noticed there were suspicious phone numbers added to my account as well as a address in XXXX, which is XXXX XXXX XXXX, XXXX XXXX NY XXXX Chase also noticed a suspicious person was calling to inquire about my account. Chase restricted my account and opened a new one. Chase refuses to reimburse me the stolen funds and is making me pay for the stolen funds. Chase refuses to check surveillance footage of the scammers accessing my account via atm and bank withdrawals. Chase does not acknowledge police reports as evidence. Chase does not acknowledge pin transactions as fraud.
Product: Credit card or prepaid card

I have been trying to reach Capital One regarding unauthorized charges and their status. 
I would like to get a refund check for the credit balance on the account and close my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland credit XXXX contacted me to pay a debt. After being served with a lawsuit, I contacted them to make an arrangement. When I called I was told that I have to pay {$550.00} every month for XXXX  months to avoid legal action. Even after providing them with my income information I was not given an option to make an arrangement that would work for me. I am a single mother with a toddler and I work part time. I also have XXXX  XXXX and felt very pressured and uncomfortable and didnt know what to do. When I reached out to the company with my concerns and lack of understanding, I was told the same thing again. I had looked at my credit report and saw that Ive never opened an account with this company before. I specifically asked the representative how much my debt was purchased for and she very clearly stated that Midland Credit XXXX does not purchase debt. I found on my credit reports where it clearly states that the debt was sold. I reached out to the company again because I was told that I would receive a call back but over a week had passed. Less than XXXX minutes into the conversation the man on the phone became very rude to me for no reason. I felt like i was being intimidated so I asked to speak with someone else and was literally placed on hold for over XXXX  XXXX until they closed. Which I strongly believe is a tactic intended to prevent me from getting the assistance that I needed. They lied about purchasing my debt and forced me into an unreasonable payment arrangement and did not provide me with the answers I asked for. And then even after making a payment, they double charged me. Which of course caused my account to be overdrawn and now I cant pay for daycare or other due bills.
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. 
MXXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the company reported debt after i called them and let them know this isn't my debt. i don't owe {$710.00} to any company. I also told the agent that their company is not licensed to report debt or any kind in my state. They can only report a debt in Arizona, Idaho, Indiana, Nebraska, north Dakota, and Oregon. I live in neither of these states. 
I verbally disputed this debt and also asked kindly that it not be placed on my credit report with any reporting bureaus. I informed the agent that their company is not licensed to report any debt in my state and that under the fair credit act it is illegal for them to do so. That their actions will cause a negative result on my credit scores. 
i am submitting a complaint against ccs commercial, llc mailing address XXXX XXXX XXXX XXXX, ma XXXX i spoked with this company a few times about this situation and the agents were rude and didn't want to hear what i was talking about. Their response would be pay the debt and how would i like to pay. when i brought up the state where i lived and asked them to send proof of me owing this debt, with an explanation of their methods used and a description of the record reviewed, when they conducted their investigation, including but limited to sending a copy of that information to me so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. as per section 609 under the fair credit act, i am entitled to see that source of the information which the original contract that contains my signature. also the original contract that that binds me with ccs commercial llc which should be sent by recorded delivery so there is independent witness to it having been delivered. 
There for under these circumstances i am submitting this complaint and requesting that this company removes this debt from my credit report from all 3 bureas .. transunion XXXX equifax and experian. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that there was a collection from LVNV on it. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you s

ay I owe you. I requested proof that I am indeed the party they are asking to pay this alleged debt, and there is some contractual obligation which is binding on me to pay this alleged debt to you. Please be aware that reporting inaccurate or unverified information to credit bureaus may constitute
defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, until LVNV provide me with proper validation of this debt, LVNV is not allowed to pursue any collection

activities, including reporting this information on my credit report. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state or federal agencies. While LVNV Funding, LLC dba Resurgent XXXX XXXX XXXX may have satisfied the basic requirements of the Fair Debt Collection Practices Act ( FDCPA ) when it comes to validation of a debt, I have the right to request additional information. As you can see from my correspondence, I have requested specific information needed to verify the legitimacy of this alleged debt and protect myself from potential debt collection scams, identity theft and fraud. LVNV Funding has failed to provide that information and has totally disregarded my right as a consumer. And CFPB has failed to do their job, which is to protect the consumer from unfair, deceptive, and abusive practices in the financial industry. CFPB just closed the account based on the word of the company. Whatever happen to : Enforcing consumer protection laws and regulations... Investigating and taking action against financial institutions that engage in unfair or deceptive practices? 

This is a blatant disregard for my rights as a consumer and I have been harmed.
Product: Credit card

I have not been supplied proof under the Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I owe no debt and this company is violating my consumer right to privacy pursuant to the Privacy Act of 1974 and 15 U.S.C 1681. Plus Finance has no permission to report unfair and inequitable information per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

Transunion is reporting inaccurate information on my credit report. XXXX XXXX  is at fault as well I have a {$0.00} balance with XXXX but as of speaking with them numerous of times I was not told about a balance thats allegedly owed until today XX/XX/year> this account is closed and was sold to a collection agency XXXX XXXX which says I owe them {$350.00} which is a different amount allegedly owed to XXXX XXXX which was {$140.00}. This company is violation of my rights and transunion is reporting this inaccurate information on my credit report. 15 USC 1681 I never gave this company to furnish or obtain my information this is violating my rights. 15 USC 1681 ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Reference 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.
Product: Checking or savings account

I closed our checking and savings accounts more than a year ago. I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact XXXX phone- close account- contact us- phone- close account, etc. ) Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help. 
I filed a previous complaint and the Bank claimed they closed our account but we're still getting mail and they are threatening to charge us a maintenance fee on our closed account.