23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Checkngo/ XXXX Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


2. Please provide me with the purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing a purchase agreement that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. 

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I purchased an item from XXXX using my XXXX  XXXX which is linked to Paypal. I didn't see it in my card history and found out that Paypal had routed the payment to my bank for funding. Even though I had all of my payment preferences set to pay with my XXXX XXXX and had indicated payment with the XXXX when purchasing on XXXX. I've been using this XXXX for near daily purchases on XXXX for well over a year without an issue. I called XXXX and they looked into it stating it was paypal 's problem. I called paypal and they could not clearly answer my problem. They did not provide me with a clear reason why it charged my bank and not my card as requested - making this an unauthorized transaction. I asked to escalate the call and was refused. I need a clear explanation as to why paypal decided to do whatever they pleased. I read this back on a recorded line to XXXX at XXXX.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} 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 an 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 have mailed in letters several times to Transunion, XXXX and XXXX in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on XXXX or XXXX According to your own industry standard which is the Metro2 the above information must be reported. 
I do not see an actual proper re-investigation completed after addressing the issues set forth.
Product: Debt collection

This account was disputed XX/XX/2017 resulted in account deletion due to unsupportive documents. Currently collection agency attempting to collect again. If not resolved immediately, legal action will be taken.
Product: Checking or savings account

I had tried to recover funds sent to a merchant who has failed to provide me with items/ products... I filled 2 disputes and submitted evidence of 22 pages, containing murderous statements from the merchant and threats to my life if I tried to get my money back... He sent me tattoo photos of his body of XXXX like XXXX or XXXX and others .... all of which td bank knows.. So their reply after closing it twice is I should deal with the merchant HERE IS WHERE THE BANK MADE ERRORS they are suppose to send me a letter but instead took XXXX ut on the XXXX of dec.. a day after my bday... they took my bday money my father just sent me They never alerted me that they would remove the funds and they closed the case. They never sent a letter stating their choice or the outcome of a dispute ON MY ACCOUNT... They called the cops on my after I said they must be okay with XXXX since they want me to visit a XXXX to get my money back and that the bank is being negligence by not keeping me into the mix with a dispute If they closed it in XXXX and XXXX due to not enough information then why didnt they reach out to ask They said they would call Hey never do I have to call to request a call back Horrible service and the government should get the recording You'd hear how much suffering this bank has caused me I had felt like a fugitive for having been a victim of a scam and my bank is turning their back and not taking responsibility to help me fight this other TD customer for my money back It is federally illegal to charge consumers for products/ services NOT provided I wrote this 2 times by hand to them. The individual also told me on the phone from td that the federal laws do not apply to me... she is willing to deny me my civil rights
Product: Money transfer, virtual currency, or money service

At XXXX on XX/XX/2021 Somehow an individual was able to hack into my Cashapp account which was linked to my XXXX banking account and fraudulently transfer {$450.00} to themselves, also diable my phone notification so that I was unaware.
Product: Debt collection

Called Allied with original bill As they changed date to date of purchased collection bill. They put in my credit which goes against credit fair act more then 7 years and 180 days. Sent proof of this and they refuse to take off. They are trying to reage a old bill which is illegal.
Product: Debt collection

I sent a validation letter to Enhanced Recovery Company ( ERC ) on XX/XX/2020 and mailed it certified. I tracked the letter and noticed they received it on XX/XX/2020. 

I called ERC on XX/XX/2020 since I had not yet received a response. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation. 

While speaking to a representative from ERC, the representative confirmed receipt of my original letter. ERC claimed they sent a response. When asked if they could provide proof that ERC responded and validated the debt in a timely manner, they said they could not, and only offered to send another letter. They proceeded to send " another letter '', which was dated for XX/XX/2020. 

I am requesting removal of this negative remark on all three of my credit reports. 
This request is based on the Fair Credit Reporting Act, that says companies have 30 days to investigate disputes. It is my understanding that if you can not verify the information within the 30 day time frame, you must delete all of the disputed accounts from my report. 

REFERENCE # PROVIDED BY ERC : XXXX XXXX XXXX ORIGINAL CLIENT ACCOUNT # : XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am writing to seek assistance with a serious issue I have encountered with PayPal. My husband transferred a total of {$20000.00} to my PayPal balance between XX/XX/XXXX and XX/XX/year>. PayPal charged a 3 % fee for these transfers. On XX/XX/year>, I attempted to withdraw these funds to my bank account, but due to issues with the transaction, I contacted PayPal support. With the help of the support agent, we split the transfer into smaller amounts of {$2000.00}, {$3000.00}, and {$1000.00}, successfully transferring {$15000.00} to my bank account. 

However, after completing these transfers, my PayPal account was locked, and the funds were reversed from my bank account to PayPal due to " suspicious activity. '' I filed a complaint requesting the return of my funds and the removal of the account restrictions. I submitted all necessary documents to verify my identity, my husband 's identity, and the legitimacy of the funds. Despite this, my complaint was denied. 

As a result, my funds have been held by PayPal for over two weeks, and I am unable to access or use them. This situation is causing significant financial inconvenience, as PayPal is not only holding my money but also benefiting from it without my consent. Additionally, PayPal charged my husband a 3 % fee for the transfers. 

I kindly request your assistance in resolving this matter by returning my funds and compensating for the financial losses incurred due to my inability to access my money. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY FINANCIAL INC. d/b/a ALLY Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by ALLY FINANCIAL INC. d/b/a ALLY Bank on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY FINANCIAL INC. d/b/a ALLY Bank adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. ALLY FINANCIAL INC. d/b/a ALLY Bank is now civilly liable to pay me for the damages.

REMEDY Pay me {$5000.00} for damages.
Product: Debt collection

I've received XXXX calls in XXXX days about a person I don't know. The last person I spoke with said his name was XXXX and when I told him I did not know the person he asked for he said I was lying and refused to hang up the phone. That call was on XX/XX/year> at XXXX, I also got a call at XXXX on the same day and I told the person then that I do not know this person and please stop calling my number. On XX/XX/year> I got a call and advised them I do not know the person they are trying to reach. On XXXX  XX/XX/year> I told the person who called I do not know who the person they are calling for is. Received a call on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year> XXXX times, lastly on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A credit collevtion company reporting inaccurate information for a progresive account on my credit report. I do not have insurance with this company and have not had insursnce with this company. I wrote the company asking for debt validation and not debt verification. The company failed to supply valid validation that I owe them this collectipn bill of XXXX yet they are reporting this frauduent account to credit reporting agencies. This needs to be looked into because again THIS IS NOT MY ACCOUNT!! I HAVE NO KNOWLEFGE OF THIS ACCOUNT AND ALL REPORTNG OF THIS FRAUD ACCOUNT SHOULD BE REMOVED!!
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportinXXXX Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller called and state who they are. They became threatening and telling me it was recorded etc. I asked who they are calling and for what and they still were very ignorant.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XX/XX/year> Dear CFPB Representative, I am writing to formally raise a complaint regarding the management of my Citi credit card ending in XXXX account. After experiencing financial hardship, I accumulated a balance of approximately {$7000.00} on this credit card. Despite the challenges, I was committed to paying down this debt. I successfully arranged a payment plan with Citi for {$180.00} per month, which was being automatically withdrawn from my account.

However, without notice, Citi stopped withdrawing payments. Concerned, I contacted customer service and was informed that my account had been placed under internal review. Despite my efforts, I have been unable to obtain any clear information about the status of my account. I have called multiple times over the past six months, only to be transferred between departments without resolution.

I remain ready and willing to continue making payments, but Citi has neither resumed the withdrawals nor provided a timeline for releasing my account from internal review. This lack of communication has left me in a difficult position, impacting my ability to responsibly manage this debt. I am also concerned that my credit report may be affected due to this situation, which is beyond my control. I would appreciate your immediate help in this matter. 

Kind Regards, XXXX XXXX
Product: Credit card or prepaid card

I received the Way2Go Card in the mail to access my UI benefits. The brochure states that customer service is available 24/7 and it lists services available to me. One of those services is 'Fund Transfer ' ; However, when I call the toll number provided, it does not give that option. I have pressed every option to find any information on fund transfers, only to come up empty handed. I logged into the Way2Go Program website, but this website is poorly constructed and I did not find any answers nor any help with my question. I searched online for more information on how to handle this, only to find many others who are also having this problem with being unable to transfer funds to their bank accounts, and not being able to speak with a customer service rep ( because there is no option to speak with a rep ). Apparently, this was an option at one time, but they have since removed this option. I would withdraw the money from an ATM, but according to other people who have tried this, they were met with many challenges and fees. The brochure states that the ATM withdrawal limit is {$500.00}, but reading the comments suggests that this is not the case, it is only {$300.00}. I feel the Way2Go Program has given me false information in their mailer and their website, and they are trying to force me to use this card instead of my personal banking institution that I have a rapport with. I need answers and for the Way2Go Program to respond and provide the option to transfer funds to our personal banking institution like they promised via the brochure. The fact that a company who has been selected to handle millions of American 's money refuses to have a customer service line is beyond me. Further more, it seems to be a scam by them forcing people to use this card and tacking on all these additional fees unnecessarily. At a time when the world has so many uncertainties and so many hard working people are doing their best to stay afloat, it is disheartening that the Way2Go Program is trying to capitalize on tax dollars and scam honest people out of their benefits they are using to pay their rent, feed their families, etc. This is certainly not the way to go.
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. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX  BANK XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX CARD XXXX has violated my rights. 

XXXX XXXX XXXX CAR XXXX has violated my rights. 

XXXX XXXX XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX CARD XXXX XXXXXXXX has violated my rights. 

XXXX XXXX  SERVIC XXXX has violated my rights. 

XXXX XXXX CARD XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

CHAPTER XXXX BANKRUPTCY DIS. XXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

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

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed to adequately investigate my claims. They advised me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of unaccountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Ive had this credit card for three years and always paid on time. My credit limit is still sitting at a {$500.00} limit and thats ridiculous after three years!!!!