23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So the first call I was wondering if this was even mine, so I inquired a few things like, the total, who was the original provider, possibly about making payments. The more I talked to them I was unsure. So, i just decided to look over it more. Ive had several providers over time, but Iam not completely convinced this is mine. Let alone the fact that it's XXXX dollars is crazy. So I called them back, saying could this have been a family members I have a few with a almost similar first name and same last name. I asked for debt validation, and the original contact, which is why I am filing the complaint they didn't necessarily refuse requested items but they kept going around my question, like interrupting me, or asking me a different question which made me frustrated and just gave up trying to obtain these items. Please validate or get info because they either don't have it or they just don't wan na give it to me. Thank You
Product: Credit card or prepaid card

CitBank sent me a letter, dated XX/XX/2020, notifying me that I would be receiving a CitiPremier Mastercard ( with a revolving credit line of {$15000.00} ) within 7-10 days. 

Since I never applied for this card, I contacted CitBank on XX/XX/2020 ( date I received the letter from CitiBank ). 

The CitiBank representative I spoke with told me that the application had been submitted online and the she would cancel the card and close the account. She also advised me to report the identity theft, which I've done through idtheft.gov and XXXX  ( which should also report to XXXX  and XXXX   ). I also need to contact CitiBank 's Fraud line, but have not yet been able to contact an agent.
Product: Student loan

Cares act directed all student loans to be placed in forbearance and allowed for refunds of automatic payments past XXXX XX/XX/2020. I requested the refund as the forbearance time did not affect my PSLF and payments would be made under the fares act. My email request was never answered but when I called 4 months later asking why it had not been acted upon they said it is always better to call directly. I explained that I had used there email option due to XXXX XXXX military move and they said always call. I am disappointed with the response in that they had an email option to request refund. I feel this is predatory in nature on fedloan.
Product: Debt collection

I need Portfolio Recovery Associates, LLC # XXXX to Cease and desist ALL Collections and contact with me concerning the debt in their office that was due to fraud I have already file a police report with XXXX Police Dept. See Attached. This is the second time that I have sent a compliant on this issue.
Product: Credit reporting or other personal consumer reports

There has been alot of false report on my consumer profile with various account that was closed and placed on my credit report.I am demanding an investigation into these account as soon as possible and I want them to be removed according to 15 U.S. Code 1681s-2 it is unlawful to furnish wrong information on consumer report. 

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: Bank account or service

My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, XXXX, and Transunion.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXXXXXX  and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with XXXX XXXX XXXX. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that Transunion, XXXX, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of XXXX  Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially Transunion claiming they had no part in it which Transunion did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. Transunion wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.XXXX  has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the XXXX  Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Product: Credit reporting or other personal consumer reports

Im writing seriously concerned about unauthorized hard inquiries recently appearing on my credit report. After reviewing my credit file, I noticed the following inquiries, which I did not authorize : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX deeply concerned because these inquiries was made without my consent, and Im worried about the impact this could have on my credit score. As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), which allow me to dispute any information I believe to be inaccurate or incomplete.
Product: Debt collection

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 : XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number 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 I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have identified accounts that I do not recognize and believe to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report XXXX. Im requested the verification of the inquiry and the method of verification. WESTLAKE SERVICE INC, Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Money transfers

I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a {$120.00} payment to XXXX on XXXX/XXXX/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is {$35.00} in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on XXXX/XXXX/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of {$25.00}, but there is still {$10.00} in interest payments for credit I did not authorize.
Product: Money transfer, virtual currency, or money service

I got a settlement check from a previous job. My mail went to my moms house at the time. She has Chase bank. She foraged my signature and deposited it into her checking account and Chase bank excepted it. She admitted to doing so when the settlement company sent me the foraged signature on XX/XX/XXXX. Showing in her handwriting that she signed and deposited it. There was still nothing done. On XX/XX/XXXX I called chase bank and all they told me was to file a report. But how can they let something like this happen if Im not on her account and its in her writing not mines. It is XX/XX/XXXX and I still havent received my money back and now I have a 1099-Misc saying that I need to pay taxes on something that I didnt receive. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint today to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian to follow up and investigate those inquiries in question and delete them. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor. 
The following inquiries need to be removed immediately : XXXX XXXX Date of inquiry XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 ; XXXX  XXXX  XXXX  Date of inquiry XX/XX/2022 ;
Product: Bank account or service

I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  I applied for a online loan with Net Credit in the amount of {$5000.00}. Net Credit was sued by the Commonwealth of Virginia state Attorney General for illegal loans and not having a license in Virginia my state of residence. Net Credit reports to the 3 credit bureaus that I owe {$7000.00}. Net Credit was ordered by the Virginia State Supreme Court to stop all collections on illegal loans in the Commonwealth of Virginia. I would like to have the Net Credit report removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

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

All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Product: Debt collection

I am not liable for this debt with FLAGSHIP CREDIT ACCEPT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.
Product: Credit reporting

A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}.
Product: Debt collection

An acquaintance at XXXX XXXX University ( XXXX XXXX ) suggested I attend his XXXX program, ( back in 2017, I think ). I could not attend or enroll in any of his classes at XXXX XXXX University because I did not have the money to do so. He assured me that I would not be charged any tuition fees and that I would not be enrolled in or owe money for any of his classes. Nevertheless, I received a bill from XXXX. for thousands of dollars in tuition fees. I have never attended any classes at XXXX. nor, to my knowledge have I ever enrolled in any classes at XXXX. I complained to XXXX XXXX about the bill. He assured me that he would fix this problem. I now am receiving collection letters from Immediate Credit Recovery , Inc. ( a collection agency ). They say I owe them {$3300.00} for tuition fees at XXXX. ICR   : P.O.Box XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX XXXX. I also show this figure on my credit report and my credit score has taken a diveXXXX XXXX. has refused to fix the problem and ICR still sends me collection letters. Also, XXXX XXXX refuses to pick up his phone. Land line at XXXX. : ( XXXX ) XXXX, cell phone : ( XXXX ) XXXX. Fix this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
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. 

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON S
HALL 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. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1981. Account # XXXX, XXXX, Account # XXXX, XXXX. Account # XXXX, XXXX. Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 instruct. 15 U.S.C 1681 c. ( 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 repent more than seven years. 15 U.S.C. 1681-2 ( 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 card or prepaid card

I contacted PayPal about my issue. They denied my claim within two hours of the claim being submitted. My account is now in a negative balance and I have bills to pay. They wont refund me for the unauthorized transactions and say that the transactions seem like usual activity. I have two accounts opened with PayPal and I also was part of a data leak a couple of months back where my information and accounts got leaked. Today Im complaining to PayPal about unauthorized transactions. Which my claim was denied almost instantly. My accounts were used simultaneously to send and withdrawal money. Let me add that my wallet and social security was stolen a few months back. Ive never had issues with PayPal before and Ive been a customer for over 10 years. What is disappointing is that PayPal constantly seems to side with scammers and I am not the only individual or consumer a part of PayPal that has had this issue. Ive read thousands of messages where PayPal sided with a scammer or fraudulent individual and made the actual account holder the issue. 

There are a few transactions that I complain about. They are as follows ; {$1800.00} {$1200.00} {$760.00} {$500.00} {$1500.00} {$1500.00} {$1000.00} {$990.00} Tbh I dont even seem to understand why I was instantly denied. Every time I try to get help I get the same answer every other individual gets. This is usual activity. Please help me, because I have bills to pay. XXXX cant be held responsible for something that I had no doing in. 

The emails associated with the accounts are : XXXX XXXX These two accounts were used together to send and withdrawal money from my accounts. 

Ive attached much of what info I can find. 

I cant provide a card number since multiple cards were added and deleted from my XXXX credit card to PayPal. XXXX credit card features allow a new card number to be generated multiple times.