23daVinci/CFPB_Complaints huggingface dataset:
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, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Product: Checking or savings account

Citizens closed my debit card and put my account " under review '' while I don't have access to the only money I have, they will not tell me why or how this happened or how I can get my money back. it's caused a lot of stress because money does not fall on trees, and this is why we put our trust in banks to stop people pr scammers from accessing our money. not for them to stop me from accessing MY money.
Product: Checking or savings account

I've been trying to open a simple business checking account at Chase for the past month or so. I submitted my application but was then required to submit other documentation. I was informed that I needed to call their XXXX number. I called on XX/XX/23 and the woman who answered became very annoying. I think her colleague was being very annoying behind her. In any case, the woman had no idea what a Delaware LLC was and stated that Chase did not do business with Series LLC ( s ). I'm not sure if this is correct but this is what she stated. I called again yesterday and a man named XXXX, picked up. Again, this guy was very unprofessional and annoying. The call lasted about 6 minutes. He stated that he would have his supervisor call back. I did not receive a call back but received an email instead. I'm not sure what's going on with the customer service centers but this is getting out of control. I had a similar situation with the credit card from XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit score with the XXXX credit reporting agencies XXXX, XXXX, XXXX & I find that I have been harmed, and violated by the XXXX credit agencies in collusion with PORTFOLIO RC under the FDCPA 15 USC 1692 with false and misleading representations I cant get a home or a car & I have asked all three credit reporting agencies to validate that this information is accurate and belongs to me, there has been no validation of this debt, and they will not remove this false information from my credit report. I spoke to this company Portfolio RC a couple months ago under the guise that they were an identity theft company that I was waiting to speak with because my identity was compromised by the XXXX data breach but whoever I spoke with lied to me and said that was who they were and at that point I didnt feel comfortable or safe speaking with them so I hung up the phone before verifying what they were I thought it was an over the phone scam next thing I know I received a letter from Portfolio RC about a debt that I the living XXXXXXXX XXXX XXXX man does not owe any obligation to Portfolio Recovery for. These false and misleading representations have prevented me from moving forward in life. I cant get a home loan or any other lines of credit at this point. Violating 15 USC 1692. If these items are not removed I intend to sue the credit reporting agencies and Portfolio RC for violating my consumer rights under the FDCP Act 15 USC 1692 ( k )
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my report. The XXXX credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am included in the list of potential victims of the recently public Equifax security breach, according to their own website. 

Chiefly, I am unhappy that I was not notified in a timely or personal matter, and my only outlet to this information was a full month after the incident. While I understand that cybersecurity is an effort that is up to best efforts, communication about this incident was entirely a failure. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX FIN Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX
Product: Debt collection

Good Afternoon, I was sent numerous letters from TRS Recovery Services , Inc., regarding two alleged transactions that originated with XXXX XXXX : XXXX ( XXXX ) for {$100.00} XXXX ( XXXX ) for {$50.00} The current creditor is listed as " TeleCheck Services , Inc. '' However, at no point has there been outstanding debts with that company. I reviewed my bank statements and my deposits/withdrawals with XXXX, and there are no discrepancies. I spoke with XXXX XXXX, the alleged original creditor, and was told that there were no outstanding debts and that I should ignore this request. 

However, I am still getting letters from this company and would like to report them for fraud and misleading practices. 

Please let me know if I can provide any additional information.
Product: Prepaid card

On XXXX the XXXX I called because I noticed some strange transaction with my card. The money XXXX  XXXX told me to wait for the pending cards charges to go through and to lock my card. By the time my card was locked someone had made five {$200.00} purchase and three {$50.00} purchase for XXXX. On XXXX the XXXX I'll call back because the charge were no longer pending the lady took my information and told me that they will be sending me some dispute forms and to fill them out and I had 10 days to return them or I can go online and print a dispute form from the website she gave me the wrong email to send but up XXXX  the correct email when I noticed that the phones had a different email than what she gave me. I waited a week because and I did not hear back from money Network she told me that they did not get the email dispute phones yet and that the dispute forms they mail should have arrived by now. The same day the dispute forms came I filled them out again and emailed them with the PDF and then email them again with a tiff file and waited. Another week went by and I called and it's still telling me that they did not receive the disputed forms and not have gone past the time frame to make a dispute claim. When I called and asked to speak to a supervisor the supervisor told me that there's no way that they can know what to dispute office has received and can not let me know where my dispute was at.
Product: Credit card

last year I received checks from citibank shop your way mastercard pay no interest if paid in full by XXXX XXXX so I took out {$5600.00} dollars on a check. the first of the month XX/XX/year> I looked to see what the pay off was to avoid the intrest. {$3700.00}.?? so I paid {$3700.00}. looked online yesterday and it said the pay off was {$2200.00}......... so I called them and they said they applied the balance to my other charges that they have been collecting intrest on so my XXXX interest is XXXX XXXXXXXX ... ... ... .after paying all year I am going to pay {$5900.00} ... ... ... ... what a deal ... ... .this is fraud and scamming from Citibank.
Product: Money transfer, virtual currency, or money service

PayPal charged me {$140.00} in fee for rejecting the money sent to me. Since PayPal does not have a " reject '' method, I had to use " refund in full '' to reject the money. Why did I need pay a fee for " rejecting '' the money? PayPal should provide a method to let the recipient reject the money before any fee is charged. Currently, there is no way the recipient can avoid the fee even if the recipient does not want the money. 

Date : XXXX, 2019, Amount : {$4900.00}. 
I called the company customer times but they did not grant my request to refund the fee ( {$140.00} ).
Product: Student loan

I had worked it out and based on my income ( {$0.00} currently unemployed ) I did n't have any payment but suddenly that changed even though I complied with everything I was told to do
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

Appeal I need my claim dispute to be reopen because when I did send yall the documents to XXXX on XX/XX/year> at XXXX XXXX yall never received them or upload them to my case and please dont take the provisional credit out on the account on XXXX until the investigation is final and done over and completed etc. 

My name is XXXX XXXX XXXX please upload these documents to my case reference # : XXXX And claim number XXXX use these new documents don't use the other one I sent please etc claim number is XXXX My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc
Product: Bank account or service

I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account. 
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request. 

I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back. 
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur. 
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank! 
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions! 

First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance. 

And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated. 

Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter! 

Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PARAMOUNT RECOVERY SYS 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 PARAMOUNT RECOVERY SYS 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 XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All named XXXX, Trans Union and XXXX are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
XXXX. Reporting information that is not metro 2 compliant 2. Information that is fraudulent XXXX. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding an incorrect 30 day late payment from XXXX. I sent documentation to prove that the payment was received on time. On XX/XX/XXXX, Experian sent me a vague response stating the following " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian do not consider the PROOF that was sent and provided no evidence to validate XXXX 's claim. 

I am beyond frustrated. My payment was made on time.
Product: Credit reporting or other personal consumer reports

Submitting a complaint - credit reporting- Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Transunion. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free 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.
Product: Checking or savings account

XXXX marketplace try to purchase a couch from a lady that had her house burned down recently so I was helping her. She needed money for a XXXX to deliver the couch to us. Ive paid XXXX and then another XXXX specifically to this lady because I felt sorry for her then she started Giving different prices of the couch and delivery service to my daughter so I asked her to please send the money back to me via cash app. She tried to send the money back XXXX times {$250.00} was the amount but Cash App blocked it both times and said that it was for my safety. I had A Open dispute at that time with Cash App so I dont know why they would not send me the money back that I was requesting. And send it back XXXX times. Up until yesterday Cash App continued to tell me that they could not reimburse my funds because Ive basically was scammed by a stranger. This person was on XXXX marketplace, which is a stable and trusted platform so I feel that Cash App should reimburse me for the funding that Im out which is XXXX bucks. Please contact me with any other questions.
Product: Money transfer, virtual currency, or money service

It said that you can't longer use Paypal. I don't know why I can't use it anymore I can't send or receive money, I still have a balance that needs to get. My email linked to my PayPal is XXXX. Thank you in advance
Product: Debt collection

I have asked this debt collector to verify and validate this debt on XX/XX/2023 Under 15 USC 1692g. Validation of debts and to this date they have not provided any correspondence regarding this debt. I have never done any business with this company and I have no knowledge of the accounts they have listed on my credit report. I would like for this account to be deleted from my credit report as this has become a hinderance for me.

Under 15 USC 1692g. Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX XXXXk XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft with credit cards, medical debt, cell phone accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times. We never lived in the property for the time they are trying to charge us. The charges on the account are blatantly fraudulent and no one is willing to help.