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

I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal suspended my business account without explanation on XX/XX/XXXX. They originally asked for some information to verify a few transactions which I immediately provided a thorough and evidenced response to each query. None of the transactions were against the terms of service and we have never had a single complaint or chargeback or warning from PayPal. I was told providing this information would unlock my PayPal account however they responded my permanently closing my account with no explanation for no reason I can figure out. They are now holding {$660.00} of my money and refusing to let me withdraw it out of the closed account. They claim this will be for a period of 180 days, but that date keeps getting continually pushed back to be 180 days from each and every query I make as to why the account was closed or attempt to have it unlocked, restored, or my funds released. I cant afford to have this money held from me another day. 

In addition they took away my rights to purchase protection, retroactively removing it from purchases made before they suspended my account. I recently made a {$400.00} purchase using my PayPal account, and I used PayPal specifically for the purchase protection. The seller did not uphold their end of the transaction and I need to dispute the payment to have my money returned, but PayPal is now preventing me from doing that. It seems odd to me that the seller who scammed me is allowed to continue operating on the platform but my account has been closed without a single violation or chargeback, ever. 

I want my money released to me immediately, I want a dispute filed against the seller who did not provide the agreed upon goods and that money immediately returned, I want an explanation for why they ever closed my account, and I want my account restored to be fully operational again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an incorrect formerly known as name listed and two former addresses listed that are incorrect. Can you tell me how this can be corrected?
Product: Debt collection

On XX/XX/19 I requested cancellation of services from XXXX XXXX via phone to customer service and email to XXXX XXXX. I was told that I would not be billed further and if so they would prorate charges. After receiving my bill and realizing they did not prorate and continued to charge me I called corporate escalations. Towards the end of XXXX- I spoke w XXXX and she informed me the charges would be adjusted after I turned on my equipment which I did a couple of weeks ago after visiting w my sister. The charges after that were {$510.00} which is incorrect as I was billed for that month. However was going to make payment for the amount I owed to avoid collection. I called Corporate escalations today as I received a letter from a collections bureau regarding the amount due to XXXX. I was told by XXXX w XXXX escalations today that they will not accept payments on closed accounts and there is nothing we can do. I have been working on my credit and now have a negative because of waiting to resolve this with XXXX which is unfair and unjust. I hope you can help me resolve this. I have also filed a complaint w the FCC ( # XXXX ) for the amount owed however I would like XXXX to fix my negative credit respite and allow me to make payments. Thank you so much. XXXX XXXX
Product: Student loan

Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Dispute XXXX XXXX Account # XXXX Dear XXXX, This letter constitutes a formal dispute of the alleged debt you claim I owe, as outlined in your communication dated XX/XX/XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I hereby dispute the validity of this debt in its entirety. I request that you cease all collection activity on this account immediately until you have provided me with the following : * Verification of the debt : This must include the following information : * The name of the original creditor to whom the debt is owed.

* The amount of the debt, including any applicable interest, fees, and penalties.

* A clear statement of the date ( s ) and amount ( s ) of the original transaction ( s ) that resulted in this debt.

* A copy of any supporting documentation, such as contracts, invoices, or judgments.

* Cessation of communication : As per 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this debt until you have provided me with the requested verification. This includes, but is not limited to, phone calls, letters, emails, and text messages.

I understand that my failure to dispute this debt within thirty ( 30 ) days of receiving your initial communication may be construed as an admission of liability. However, I reserve my right to dispute the debt at any time. 
I expect a prompt and written response to this letter within the timeframe required by law. I will consider further action, including legal recourse, if I do not receive the requested information or if you continue collection activity during the dispute period. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

United Revenue was recently paid for the debt of {$250.00} that was originally filed by XXXX XXXXXXXX XXXX. 

United Revenue told me at the time I paid the debt that they would immediately email all three credit reporting agencies to have this information removed from my credit file. 

As of today, XXXX the collection account still shows on my credit report!!!!!!! 

Account name UNITED REVENUE CORP Account number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been reported under my credit file without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I hereby request that all the fraudulent accounts listed below be blocked and deleted immediately from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a processor for XXXX XXXX 's locating office called and left a voicemail about a company, XXXX XXXX XXXX, XXXX attempting to sue me on counts of breach of contract and fraud. After leaving me a voicemail, the processor, XXXX XXXX, also contacted my employer and a friend of mine. These actions prompted my employer and my friend to call me and provided me with a case number as well as a contact number. When I called into the number for the collection agency, the agent claimed there was an amount of {$1200.00} due to a Cash Central creditor. The agent requested payment with a payment plan option and sent a vague validation letter to my email address. The agent also did not have my correct address on file and my gender in the letter is not correct. I have not received a written notice of debt. I even tried obtaining this information from the original creditor when the debt first appeared over 4 years ago and was not given a response. The last date the original creditor, Cash Central,  reported any kind of debt was XXXX of XXXX. The account has shown closed since XXXX of XXXX and no further communication was put out from the creditor.
Product: Money transfer, virtual currency, or money service

I tried to send {$550.00} to my cousin using Cashapp. The app decline my transaction but took the money from my bank account. The app then closed my account with my money in it. The app would not allow to cash out my own money. I had gotten logged out and now I cant even see the money in my account. Ive sent numerous emails and they give me no explanation as to why I cant access my my money. Ive even tried reaching out to my bank with no luck. They wont even tell me why my account was closed.
Product: Checking or savings account

I had a recurring bill payment set up within Ally for my XXXX XXXX  account. In the payment history I can see I changed the amount from {$1100.00} on XX/XX/XXXX to {$1200.00} on XX/XX/XXXX. For an unknown reason, this reverted back to {$1100.00} on XX/XX/XXXX, leading me to become late on my mortgage payment.
Product: Money transfer, virtual currency, or money service

I transferred {$410.00} dollars via Venmo under duress because I was being threatened/extorted on XX/XX/year>. I continued to be threatened/extorted and transferred another {$410.00} on XX/XX/year>. On XX/XX/year> I filed a police report. On XX/XX/year> I initiated XXXX disputes with Venmo and provided the police report information. 

On XX/XX/year> I was notified that the disputes were denied since " Based on our review, we found this transaction is consistent with your payment history. ".

I am unclear how this conclusion could have been reached since : -I had not transferred any money to this person before -There were two duplicate transactions -Police report information was provided The denied disputes indicated to contact Venmo at " XXXX '' for documentation used in the investigation. I contacted this address asking for documentation and further explanation and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters on the following dates to Equifax, XXXX  and XXXX  : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
Product: Checking or savings account

My account was put on hold for no apparent reason. I called and was told there is nothing to do and I have to wait 2 days. I need access to my money now and the agent did not offer me a way to accelerate or resolve. Holding my money ransom for two days is not acceptable to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Subject : XXXX  Adjustment Request for Late Payment Removal Account XXXX XXXXXXXX Dear Bank Of America I hope this letter finds you well. I am reaching out regarding my closed account, XXXX XXXX which was previously held with your company. While I deeply appreciate the opportunity I had to do business with Bank Of America I recently noticed that my credit report still reflects late payments associated with this account. 

I take full responsibility for my financial obligations and deeply regret any missed or late payments. Unfortunately, during the time of the reported late payments, I was experiencing a hardship At the time of these late payments, I was laid off from my job due to unforeseen XXXX issues, which temporarily affected my ability to keep up with payments. Since then, I have worked diligently to improve my financial habits and maintain a strong credit history. 

As a gesture of XXXX, I kindly request that you consider removing the late payment notations from my credit file. I fully understand the importance of on-time payments, and I have since taken steps to ensure that I never miss a payment again I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. Removing these late payments would greatly assist me in improving my financial standing, and I would be extremely grateful for your consideration. 

If there is any additional information you need to process this request, please feel free to contact me at XXXX Thank you for your time, and I sincerely appreciate your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened a Sephora Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Product: Debt collection

I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX say they own the debt I never did any business with them before or had any accounts with them, And other company, XXXX XXXX I never did any business with These company or ever had any account with these company and I never did give any of these companies permission or my consent to have access to my personal information or my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECT ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ADJUST ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY :  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX
Product: Debt collection

Text and call me 100x a month, after I spoke to someone on the phone and told them this debt is wrong. I block the number and they call from a different number. This has occurred at least 7 times, They constantly harass me regarding a debt that is completely wrong.

The debt didnt even start with them, I do not understand how they constantly press me over something that is 1. ) wrong and 2. ) a debt they purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX and Experian asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel XXXX and Experian to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.