23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Today, I received 3 letters in the mail all at once regarding a debt. I called the debt collector immediately to settle my debt and ask what it was for. The collection agency is I.Q Data International , Inc. and I spoke to XXXX. He said he contacted me by phone multiple times, but this was not true as I searched my phone and have no previous calls or voicemails. He was very rude and belittling on the phone. He asked who my employer was multiple times. When I refused to give him the answer, he told me " I should get a lawyer ''. I told him my intention was to pay, but I wanted to set up a payment plan as I could not afford the entire bill right now. He told me he could not do a payment plan and again if I wasn't going to pay it in full, I should get a lawyer because he would be taking further action. 

I paid in full, as I felt defeated due to the way he was speaking to me. 

I then called back and asked to speak to a supervisor and the same man got on the phone again. I again asked why I couldn't make a payment plan and he told me it wasn't allowed. 

I feel the whole situation was wrong. I was calling to do the right thing and settle my debt. Asking about my employer was inappropriate. Telling me I should get a lawyer is threatening as it ensues further action will be taken if I don't pay the bill in full. And not allowing me to set up a payment plan is against my rights. 

Any help you can give me in this situation would be appreciated.
Product: Debt collection

I am getting daily robocalls from Harris and Harris collection agency. Latest call was today, XX/XX/XXXX, at XXXX pm. I don't owe any debts, period. They are calling in error. 

I'm filing a complaint about Harris and Harris of XXXX, Illinois, ( XXXX ) XXXX, https : //www.harriscollect.com/contact/. They do not answer their phone during their stated business hours, nor have returned my message left on their voicemail. 

It is possible they have mistaken me for another person, as I occasionally get calls for someone I do not know, but who apparently had my number many years ago. That's a guess, I don't know. I have had this same phone number since XXXX. 

Harris and Harris is engaging in harassment and have made themselves deliberately difficult to reach. I want it to stop immediately. 

Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
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 NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX
Product: Credit card or prepaid card

PayPal complaint Account : XXXX ( XXXX ) This is my second complaint against PayPal Inc, PayPal Credit within one month ( see case # : XXXX ) Upon my first complaint PayPal Inc responded in a childish manner that they feel as though anyone ( me ) opening account with PayPal is  taking oath for life to provide my bank information. 

No, PayPal Inc. I didnt marry you. 

PayPal have underperformed for quite a long time with me, doing business the way PayPal ill written policies are. I am not OK with this type of business, and I am done with PayPal. 
PayPal Inc, PayPal Credit does not respond to emails ( screenshot attached ) as normal businesses do within usually 24 hours. 
PayPal Inc, PayPal Credit treats customer as a nuisance not a business partner.

I believe PayPal is governed in our country by the same laws that govern all banks and financial institutions. 

Over the years I opened and closed more than 20 accounts with banks and other financial institutions. I paid up my balances and closed those accounts. 

PayPal has the audacity to reply to complaint I wrote to FTC as though the laws of USA do NOT apply to their institution. 

FACTS : Upon receiving statement on XX/XX/18 asking me to pay/cover my balance of XXXX I sent payment by check ( check # :1 screenshot attached ) On XX/XX/18 PayPal Credit posted check to my account ( screenshot attached ) On XX/XX/18 PayPal Credit cashed my check at my bank ( screenshot attached ) PayPal Credit did not apply this payment to my balance. 

PayPal Credit usurps to have some rights to me and my bank account. 

No, no bank or financial institution has that right. 

By this letter I am canceling my relationship with PayPal Inc, PayPal Credit and any other businesses containing PayPal in name. 

Apply funds available on my account to my outstanding balance CLOSE MY ACCOUNT ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked credit acceptance with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails
Product: Debt collection

NCB Management Services, have been emailing me without my consent this has happened a lot.

Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ) governs communications in connection with debt collection, including how and when a debt collector may contact you. Here 's a summary of the key provisions : 1692c - Communication in connection with debt collection 1. Communication with the Consumer A debt collector may not communicate with you in connection with the collection of any debt : At an unusual time or place : Generally, they must not contact you before XXXXXXXX XXXX or after XXXXXXXX XXXX, unless you agree otherwise. 
If you are represented by an attorney : If the collector knows you have an attorney and can reasonably contact them, they must communicate with your attorney instead of you.

At your place of employment : If the debt collector knows or has reason to know that your employer prohibits such communication, they may not contact you there.

2. Communication with Third Parties A debt collector generally can not communicate with third parties ( e.g., friends, family, co-workers ) except : To locate you ( they can only ask for your address, phone number, or workplace ). 
With your consent. 
If allowed by a court. 
If the communication is necessary to enforce a court judgment. 
3. Opt-Out of Communication You can request the debt collector to stop communicating with you : In writing : If you send a written request, they must stop all further contact, except to confirm they wont contact you again or to notify you of specific legal actions.

4. Violations in the Context of Email Communication Electronic Communications ( e.g., emails ) are subject to the same restrictions. Debt collectors : Can not email you without your consent.

Must respect the privacy and timing rules outlined in 1692c.

Must avoid sending emails to shared accounts or addresses where others might view the communication.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

This Credit has violated my rights USC 1666b They are reporting for September 2022 30 days late for October 2022 60 days late and for November 90 days late on my credit report
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Application # XXXX Dear CFPB, I am writing to formally file a complaint against American Express regarding their recent decision to decline my application for a credit card account. I submitted my application a few days ago, and upon being declined, I contacted their customer service to understand the reason for this decision. 

During my inquiry, I was informed that the primary reason for the denial was a bankruptcy filing from 2002, in which my American Express account was included. I would like to emphasize that this bankruptcy was filed over 22 years ago, and I believe that it is both unfair and potentially illegal for American Express to base their decision on such outdated information. 

According to the Fair Credit Reporting Act ( FCRA ), negative information, including bankruptcy, can only be reported for a period of 10 years. Since my bankruptcy occurred in 2002, it should no longer be a factor in determining my creditworthiness. American Express 's reliance on this information not only disregards the guidelines established by federal law but also fails to consider my current financial standing and responsible credit behavior. 

Furthermore, I believe that my application may have been adversely affected by my Armenian heritage. Given recent incidents involving financial institutions, such as XXXX 's discriminatory practices against Armenian applicants, I am concerned that my XXXX  may be playing a role in this decision. It is troubling to think that I might be facing discrimination based on my background. 

I have worked diligently over the years to rebuild my credit and have maintained an exceptional credit score of XXXX, alongside a solid history of managing multiple businesses and fulfilling my tax obligations. Given my financial stability and my ability to meet American Expresss minimum requirements for approval, I find their decision to be unjust and damaging to my reputation as a responsible consumer. 

I kindly ask that the CFPB investigate this matter to ensure that American Express complies with applicable laws and regulations regarding credit applications and decision-making. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance.
Product: Debt collection

I have no knowledge of these collection debts on my consumer profile! This is a violation of my consumer rights and a violation against the Fair Debt Collections Practices Act! I would like these items removed IMMEDIATELY! 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

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

I found out about the security breach at Equifax on Friday, XXXX XXXX, XXXX. I checked their site and was informed that my information may be compromised by this breach. On Sunday, XXXX XXXX, XXXX, I placed a XXXX fraud alert through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian never responded to my dispute and it was back in XXXX. I sent them a second letter referencing the first one still no answer it's been way pass the 30 days Please have them delete this account. thanks
Product: Student loan

I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I opted for an online college as I had been unsuccessful with on-campus college due to struggles with severe XXXX which I undergo treatment for. 

I was misled in terms of how long my program would be, how much the program would cost in total, how easy it would be to acquire a job upon graduation, the job titles and employers for graduates of the school, and how much I would be able to make on graduation. 

Loan forgiveness paperwork has been filed and has been on file since XXXX, as a result, all of my federal loans are on hold until they review my case. XXXX however additionally took out private loans that are not placed on hold and this is why I'm here. 
The school has since closed and there are countless and similar claims of XXXX 's illegal marketing Activities. Attached I've included links to various trials and instances of debt relief due to the school 's misleading actions. 

Upon graduation, I received not one interview and worked at minimum wage jobs, and looked at community colleges. My debt is XXXX and this total was not revealed to me until graduation. Attached you will find the information XXXX XXXX did give me. The career I was in pursuit of barely makes XXXX a year on average. My life, freedom, goals of a family, and hopes of overcoming obstacles created by XXXX were shattered. They still are to this day as nothing 's changed it's just frozen. 

My monthly required payments amounted to at least {$1000.00} a month. I worked part-time and went back to school while living on food stamps ( see attached my XXXX document )
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX ( XXXX XXXX XXXX XXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXXXXXX XXXX XXXX. Please help me, what should I do to get my funds back.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am a victim of identity theft. Someone, using my name, requested a credit card from XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX XXXX ) and made several purchases at XXXX XXXX XXXX in Texas. 

I asked XXXX XXXX to close the unauthorized account No. XXXX, falsely opened using my name and to take steps to remove the information about this account from my credit score files. To date I have not received written response from XXXX XXXX. 

I have opened an FTC Identity Theft Report, send letters to the retailer ( XXXX XXXX XXXX ) and asked XXXX and XXXX to stop reporting this fraudulent information and delete the disputed item in my report.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against CBA XXXX account number XXXX regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It has come to my attention that the information reported by CBA XXXX pertaining to my account is violating the provisions outlined in the aforementioned sections. 

As per 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, despite this legal obligation, CBA XXXX has failed to ensure the accuracy of the information they have reported regarding my account. 

Additionally, according to 15 U.S. Code 1681i ( 5 ), if I dispute the completeness or accuracy of any information reported by a consumer reporting agency, the agency must, 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. 

I have previously contacted CBA XXXX to dispute the accuracy of the information they have reported regarding my account, but they have failed to conduct a reasonable reinvestigation as required by law. 

If in fact that CBA XXXX believe I was given proper notification, please send me the certified receipt with my signature on it. I request that you remove this account from my credit report as my rights were violated. 

I request that this collection be removed from reporting to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Email : XXXX XXXX
Product: Checking or savings account

I booked a hotel room through XXXX using my Chase debit card online. I received my confirmation number, my receipt from XXXX. I went to the hotel. The front desk person took my card, put an authorization hold on it for 100 dollars as per the hotel 's procedure, then came up short. 

My room, it appeared, had workers in it, fixing something, and there were no other rooms. She apologized profusely and the general manager followed with a letter of apology in an email. The hotel refunded the hundred bucks for the deposit and offered me a future free night 's stay.. 

I called XXXX. XXXX, in turn, checked with the hotel to confirm. Supposedly, my .oney would be returned. But it never was. 

So, I filed a dispute with Chase, my bank. I received a provision a.d l credit, which was ripped back away from me at a very inopportune time. 

Chase said that XXXX said that they had small print, guidelines, caveats. Chase told me to submit evidence and reopen the sispute. 

So, I fwded to Chase, the email from the hotel apologizing for the lack of room. 

Didn't hear back. When I called chase to inquire, I was told that you CANT reopen a dispute. So I disputed it online, received a provisional credit, and, again, had it removed, or debited, from my account when I didn't see it coming, at a very bad time. 

I refuse to pay for a hotel I didn't get to be in. Now, XXXX has no info about the affair and they say to contact my bank to dispute and my bank says for me to contact XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XX/XX/VICSCRT524447808699**** MIDLAND CRED 32012**** MIDLANDCRE 32012***
Product: Debt collection

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the New York Credit reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX  ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.