23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote numerous letters to XXXX, Equifax, and XXXX XXXX requesting that they remove the fraud alert that was placed on my personal credit report XX/XX/2022. As of today 's date The Fraud alert still remains active on my profiles affecting my ability to obtain suitable housing, loans, assistance, and any other means to pursuit happiness of life.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2023, I received an email stating my PayPal account is permanently limited. PayPal is deciding to hold the money ( XXXX USD ) in the PayPal balance. I called the company and indicated that the cards used for purchases are prepaid visa gift cards. I also indicated that I am okay with the account being closed just please allow me to transfer the money to my bank account. They declined. I called back on several different occasions none of which I received any insight as to why the account was closed.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Debt Collection Practices by XXXX XXXX XXXX and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions appear to be unlawful and harmful to consumers like myself. 

Specifically, the following issues have occurred : 1. **Failure to Provide a Full and Complete Debt Validation** : I have repeatedly requested validation of the alleged debt ( Account Number : XXXX ) that XXXXXXXX XXXX XXXXXXXX claims I owe. Despite these requests, I have never received a complete breakdown of the alleged debt, including all details such as the principal balance, interest, fees, and other charges. This information is required by the FDCPA ( 15 U.S.C. 1692g ), and failing to provide it is a direct violation of the law. 

2. **Misleading Ownership of the Debt** : Based on correspondence from XXXX XXXX XXXX XXXX XXXX understand that they no longer own the alleged debt. If XXXX XXXX XXXX is now the debt owner, they are obligated to provide me with proof of ownership, a breakdown of the debt, and evidence of a legally binding contract obligating me to pay the amount they claim. Despite my requests, no such documentation has been provided. Instead, I am left in a state of confusion regarding who truly owns the debt and who has the authority to collect it. 

3. **Illegal Reporting to Credit Bureaus** : Given the lack of validation and proper documentation, XXXX XXXX XXXX must cease reporting this alleged debt to all credit bureaus immediately. Continuing to report unverified and undocumented debts is misleading and damages my credit unlawfully. 

XXXX. **Unfair and Deceptive Practices** : XXXX XXXX XXXX neglect in providing validation, along with the conflicting information Ive received , appears to be a deliberate attempt to mislead and frustrate me. Under the FDCPA, such actions are prohibited ( 15 U.S.C. 1692e and 1692f ). 

As a consumer, I have the right to : - Receive a full and complete validation of any alleged debt within 30 days of request. 
- Be provided clear and accurate information about the ownership and breakdown of the alleged debt. 
- Be free from deceptive, unfair, or unconscionable practices by debt collectors. 

I respectfully request that the Federal Trade Commission investigate this matter and hold XXXX XXXX XXXX accountable for their actions. These practices undermine consumer protections, harm my financial well-being, and violate federal law. 

If additional information is required to support this complaint, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making a purchase at XXXX XXXX XXXX in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing XXXX XXXX credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call XXXX XXXX ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( XXXX XXXX under XXXX XXXX  ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with XXXX, TransUnion, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second XXXX XXXX credit card that I did not authorized and was defrauded by the company to open.
Product: Checking or savings account

I got sent a check that ended up being fake and fraud. The bank completely accepted the check, where I then was able to spend it and pay back the consumer of the check XXXX XXXX of the XXXX check on the XXXX XXXX XXXX The bank just now today XXXX XXXX XXXX  ) told me it was fraud and now my account is in XXXX XXXX XXXX  I had XXXX dollars of my own saved up and I am in college in debt, now with XXXX XXXX in my account. I am beyond frustrated and dont know what to do. The bank also gave me a fee since it was fake, even though i didnt know it was fake and they approved it before they disapproved it. I am not sure what to do but the fact that it got approved made me think that it was real. Since I was able to spend it I dont think that it is fair at all that all of the sudden they took back that I couldnt spend it anymore.
Product: Checking or savings account

On or about XX/XX/XXXX I was a victim of a security breach on Fifth Third consumers personal and business financial accounts, including but not limited to debit card purchases transactions. Consumers checking account was repeatedly breached by an authorized account takeover through Fifth Third debit card scheme ( which includes fraudulent payments to business entities for services, subscriptions and products unbeknownst to consumer. 

Fifth Third is playing games and tactics for beneficial gain which is fraud upon its face. Since XX/XX/XXXX Fifth Third strategy increasing the number of products, subscriptions and services to Consumers accounts as well as existing customers. Fifth Third is violating Illinois law by failing to exercise ordinary care and good faith in obviously fraudulent withdrawals. Fifth Third Bank security failed to detect that its withdrawals were visibly and clearly fraudulent.

Consumer is taking matters into its own hands by contacting the business entities directly for fraudulent payments and for same as oppose to dealing with Fifth Third fraudulent department. I contacted several business entities and have been successful in XXXX out of XXXX. The business entity XXXX XXXX XXXX indicated that the domain that was purchased was XXXX and the email was XXXX, which was fraudulently made up. 

Also now XXXX is involved with Fifth Third debit card scheme and since last night has withdrawn XXXX fraudulent payments for services, subscriptions and products unbeknownst to consumer. The Consumers financial accounts has went from positive to negative and not Fifth Third will began seeking beneficial gain for overdraft fees of {$37.00} and {$8.00} per day for each transaction activity. 

XX/XX/XXXX XXXX {$51.00} was reimbursed XX/XX/XXXX XXXX {$4.00}, {$4.00} and {$73.00} XX/XX/XXXX XXXX  and XXXX {$98.00}, {$66.00} XX/XX/XXXX Debit Card purchase at XXXX XXXX  mail, a XXXX for {$46.00} XX/XX/XXXX XXXX XXXX {$25.00}, {$39.00}, and {$39.00} XX/XX/XXXX Fifth Third Overdraft Fees {$37.00} per XXXX fraudulent XXXX subscription Fifth Third unlawful conduct is in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), the Truth in Lending Act ( TILA ), the Truth in Savings Act ( TISA ), and any and all other regulations.

Consumer seeks appropriate penalties and other monetary relief for injuries sustained since XX/XX/XXXX to present. 
Fifth Third actions falls under Section 1031, 1036 ( a ) ( 1 ), 1054 and 1055 of the CFPA, 12 U.S.C. Section 5531, 5536 ( a ) ( 1 ), 5565, 5565 ; TILA 15 U.S.C. Section 1601 and its regulation Z, 12 C.F.R. p1026 and TISA 12 U.S.C. Section 4301 and its regulations DD, 12 C.F.R. part 1030.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 writing to formally dispute several hard inquiries that have appeared on my credit report issued by your agency.
Product: Credit card or prepaid card

I noticed charges on my credit card which I did n't make as well as cash withdraws. I immediately informed the bank, the bank failed to close an account, as a result with a {$700.00} limit, I had a balance over {$1000.00}. They shut down my card but still charging me for purchases which I did not make and for cash withdrawals I did n't make either. It is fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.
Product: Credit card

In XXXX of XXXX I opened a PC Richard credit card run by synchrony Bank and was told that it would be interest free for one year after the promotion expires I will start paying interest. After that I was told I need to go with paperless statements unless I want to be charged so I went with paperless statements. I opened an app on my XXXX  phone and I paid the bill monthly through the app which did not work too well cuz I could not access my statements but I was able to pay the bill monthly. When the promotion expired I noticed a {$2000.00} interest charge. That charge was for the years worth of interest not just monthly interest on the remaining balance. So I called the bank in the store the store could not help me and neither could the bank. The bank told me that they sent me emails and correspondence telling me that my promotion was going to expire I did not receive any correspondence or emails from synchrony Bank. They also told me that there was a 30-day grace period that they do not advertise that I also didn't know about. As of now they can not help me the card is paid off with the exception of the interest and don't know what to do from here. If I was given a heads up about the promotion ending and being charged {$2000.00} in interest I would have paid it beforehand.
Product: Credit reporting or other personal consumer reports

I notice these inquiries that i did not authorize. This is an attempt to do fraud and should be deleted under15 USC 1681B PERMISSIVBLE PURPOSE 5inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account name : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have never had a contact with LVNV they state there was a creditor called 12 credit one who they bought the collection account from which they can not verify as mine. They gave the LVNV account showing inaccurate information such as open and also {$570.00} which is an incorrect amount showing owed yet they cant validate the debt and do not gave any written contracts showing consent. Id like it to be removed or deleted thank you. I sent certified letters to the credit bureau and companies without receiving a proper resolution
Product: Debt collection

Since XXXX XXXX Sunrise Credit Service , Inc has been harassing and demanding i pay a debt every day since then they have been calling me every morning or throughout my day. The last call i received was XX/XX/2021.
Product: Credit reporting

In the last few months I have sent to TransUnion the documentation they requested to provide me a copy of my credit report. In each instance TransUnion mails a notice back that the documentation provided was not a qualifying document, or did not meet their requirements in some other way. 

TransUnion also will not allow me to access my credit report on their website, and will no longer supply my credit information to XXXX. TransUnion does not allow me to dispute errors on my credit report online with my online login XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An appeal to person using XXXX XXXX XXXX XXXX XXXX KY has never been a residence. I have never lived there been involved in any crimal activity there. I did however go to XXXX XXXX program for XXXX days in XXXX. XXXX XXXX. The report shows since XX/XX/XXXXmy identity has been engaged in crimal activity I took no part of. XXXX, theft under {$500.00}, and numerous reports of criminal accitivity that doesn't concern me under my ss #. Showing on my background check
Product: Credit reporting or other personal consumer reports

I am filing a complaint out against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File Number : XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with XXXX XXXX and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and trans union are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.
Product: Student loan

I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.
Product: Credit reporting

This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.