23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX, MD XXXX Dispute of Debt - Account # XXXX Dear Fair Collections & Outsourcing, I am writing to formally dispute the validity of the debt referenced above, as reported on my credit file. This is a formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question, dated XX/XX/year>, indicates a balance of {$4200.00}, with no recent payment history or breakdown of charges. I am disputing this account because I do not recognize this debt and believe it may be inaccurate or incomplete.

Under federal law, you are required to provide the following information to validate the debt : 1. Proof that this debt is accurate and belongs to me.

2. A detailed accounting of the debt, including how the balance of {$4200.00} was calculated.

3. A copy of the original contract or agreement that establishes my obligation to pay.

Additionally, if you can not provide sufficient evidence that this debt is valid and legally enforceable, I request that you cease all collection activity, including reporting this account to credit bureaus, and promptly remove it from my credit report.

I also request that you provide all correspondence regarding this matter in writing and refrain from contacting me via phone. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of my consumer rights.
Product: Checking or savings account

I operate a business using XXXX to collect payments. On XX/XX/XXXX, PayPal begin to keep money I was collecting from my customers without any notice or warning that I would no longer be able to receive the funds. 

I promptly provided information they request, which was information I had previously provided to them upon opening the account. 

5 days later on XX/XX/XXXX, they requested MORE documents to be provided which are again the same documents I had provided when I opened the account. PayPal at this point is continuing to keep my money giving me no power to access my funds for at least XXXX more days. 

I called PayPal and the agent confirmed that my funds were being held " XXXX ''. The agent actively confirmed that " yes '' my funds were being held XXXX. In addition, the agent informed me that PayPal was doing this in order to earn interest off of the funds. 

PayPal is in a powerful position to keep the funds which do not belong to them and puts up extremely tall walls for communication and are beyond reasonable in keeping money that is not theirs. 

Please investigate and if there is a case here, please pursue a penalty for harassing customers at large and intentionally keeping funds to earn profit from interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #.. This was mentioned in my previous COMPLAINT #, and I include it again. Kindly delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 : It also 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 had resolved an ongoing issue with this creditor regarding a credit card. They advised me to dispute it with the credit reporting agencies and they would make sure it was removed. The ONLY bureau it was removed from was XXXX, XXXX and XXXX  are still showing and when asked they advised the creditor, Chase, was reporting accurately. How can they report accurately to one bureau but incorrectly to the other 2??
Product: Credit reporting or other personal consumer reports

A. ) XXXX : XXXX. ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX B. ) XXXX : XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX number : By mail only Inquiry date : XXXX XXXX, XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Phone number : By mail only Inquiry date : XX/XX/XXXX XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) TransUnion : XXXX. ) XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone number : ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX. ) XXXX XXXX Address : XXXX PA XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Inquiry date : XX/XX/XXXX ( The above named below I did authorize. I just do not understand why it showing up twice as a hard inquiry. I did receive financing from XXXX XXXX XXXX. I am in the belief it should be considered as a single inquiry instead of 2. ) 3. ) XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Inquiry dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have had damage to our property and have had an insurance claim. We have submitted all the required paperwork and provided receipts for all payments paid out of our pocket to the contractor to expedite the process. The fial inspection was performed and signed off 18 days ago and the company continues to hold our money provided by the insurance company. We have provided a total release of lien by the contractor as well as a paid in full receipt.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE & WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Unable to access my credit score
Product: Credit card or prepaid card

My wife 's credit card was stolen around XX/XX/XXXX and I thought my card had gotten hacked and called company to make report without knowledge of my wife 's card being stolen and explain to them my card had gotten hacked, cause that's what I thought so they reversed the amount and now a month later that reinstated the amount of XXXX which was what was stolen. They said my claim was declined because the card was present and I proceeded to explain the reason why it was present. They said they will reopen the investigation but will not remove the amount until then. Please advise me on where I can go to get this removed
Product: Debt collection

In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.
Product: Debt collection

Cash Central has been calling my home at least four times a day for several months. They have called my in-laws, run my husband 's credit without his permission, and called my office several times. The dates and times are documented and available. 

They say a loan was taken out over the internet in my name. When asked for proof they sent me a legal document that had my name and address on it only ( obviously available on the internet ). They did not show a signature, location of where the loan was requested, location where the funds were provided to, social security number that was used, birthdate that was used, or mothers maiden name. 

They have requested personal information of that nature from me and stated they will begin their harassing calls again if we do not provide the information requested. 

I have never heard of their company ( nor want to again ) and have never applied for an internet loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

All FTC violations TXU violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Product: Money transfer, virtual currency, or money service

My paypal account is very old and I already used it since 2009 for my online business specially in XXXX and own services products as freelancer. But recently, without notice Paypal sent me an email that my account was permanently closed and limited. I was shocked with their action and I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( XXXX XXXX XXXX ) with no bad records or negative feedback from my buyers. I am also using this as a mode of payment of remittance from part time job at XXXX  as a XXXX. My paypal account is XXXX. I believe I didnt violate any of their rules. For how many years using it also in XXXX last two years ago serves as a proof that I legitimately doing a good business based from my very good receiving payment from different buyers and customers. Maybe this was mistakenly closed. And I am hoping that I will get back my account and able to withdraw my funds and get back to business again. Thank you for your help. 

I am attaching my Valid ID and some screenshots and certification of legitimate business from our country. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown name on my credit report, my name is XXXX XXXX and I never used the name XXXX XXXX XXXX. Neither have I ever used the address XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, Capital One has violated my rights under 15 USC 1681Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 also states a consumer reporting agency can not furnish or report without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have attempted to address this issue by reporting the incorrect information, which has significantly impacted my personal life and caused me emotional distress. These inaccuracies and fraudulent items on my consumer reports have prevented me from purchasing my dream car and providing for my family. This information does not belong to me, and I never consented to its inclusion on my report. I am a victim of identity theft. I have attached my letter along with the FTC report. If this matter is not resolved appropriately, I will be forced to pursue legal action against your organization.
Product: Debt collection

AUGUSTA COLLECTION AGENCY NEVER VALIDATED THE DEBT ( PER MY WRITTEN REQUEST ) BUT THEY ARE STILL REPORTING IT TO XXXX. THIS IS A COMPLETE VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!! WHICH CAN ALLOW ME TO SEEK DAMAGES FROM THE COLLECTION AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry 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 inquiry which does not belong to me or was opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; 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: Mortgage

My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.
Product: Student loan

NELNET response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required NELNET to reduce my interest rate so that I could repay my remaining ( NEW ) balance without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Moreover, the SCRA covered a time in which I was transitioning to a new military branch. SCRA requires that official military correspondence is acceptable documentation. During the time in which NELNET says I should have been able to pay ( i.e., 2017 ) I was reporting for official military duty. NELNET 's response is a slap in the face towards all servicemembers who raise their right hand to serve this country!