23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am having an ongoing problem with numerous debts and account son my consumer credit files which are not my own and which, under dispute, have not been resolved or even investigated by the companies which are reporting on them. I am creating this claim through the CFPB portal in hopes of mediation and assistance in oversight to make sure that the debt collectors receive the information I will include as well as oversee compliance to an investigation which I have asked for multiple times and have yet to receive information for. 

I did not live in the United States during the time which such debts occurred. I never lived at the addresses such debts are tied to and I never identified by the names that are associated with these accounts. 

Numerous collections are held by Portfolio Recovery Associates,  a debt buyer/collection agency, and I have stated as much in disputes through the CRA 's where they report this information. No such investigation in accordance to the FCRA, FDCPA or FCBA has been forthcoming. 

I ask respectfully that such an investigation be provided and that the information which is currently reported to the CRA 's be removed. I also request that such fraudulent data not be sold to another agency. 

I am including documents from when I was overseas for school, which coincide with the timeframe of when such identity theft was occurring stateside. 
because I have multiple issues, i request such data be held by the CFPB on the record.

The accounts held by PRA are : XXXX for : {$600.00} and {$990.00} XXXX for {$300.00} XXXX for {$750.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX I am writing to dispute inaccuracies in my credit report regarding the above-referenced account. Upon review, I have identified the following discrepancies between the information provided by XXXX and Equifax. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported. 

Inaccuracies Identified High Balance XXXX reports {$12000.00}. 
Equifax reports {$0.00}. 

Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Date Reported XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Last Payment Date XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 

Term Length XXXX  reports 48 months. 
Equifax does not report a term length ( blank ). 


Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracies Identified Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Date Reported XXXX reports XX/XX/XXXX Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX Last Payment Date XXXX reports XXXX/XXXX/XXXX. 
Equifax reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Legal Justification These inaccuracies demonstrate non-compliance with 15 U.S. Code 1681s2, which requires the furnisher to provide only accurate and verifiable information to credit reporting agencies. The discrepancies between XXXX and Equifax make the data unverifiable and misleading.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 2 ) and Dept. of Education/XXXX  ( 5 ) ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Fraudulent account that i have no knowledge about and the company can not show proof that it was me. Ive told them on numerous occasions that i dont know about this account.
Product: Money transfer, virtual currency, or money service

Gemini Trust Co LLC is holding my funds hostage on their exchange. I have contacted their support team on numerous occasions for nearly two months straight and I have not received a response. I wish to transfer my assets and they are blocking my transactions. I have completed all the necessary and required security verification yet their security hold remains on my account.
Product: Checking or savings account

FirstBank removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through FirstBank and that there is no authorization from the account owner, as there is no signature. 

XXXX The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. To our knowledge there as no complaint or problem with this customer. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX, XXXX, and Equifax 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Debt collection

I've been getting several calls monthly to my cellphone now daily from Portfolio Recovery. The numbers are all based in Washington state but they may not be legitimate. I got one today and after doing a XXXX search for the phone number it's listed to a XXXX XXXX with Portfolio Recovery. Neither my wife nor I have any debts in collections so I don't know why I keep getting these calls. I won't post my cellphone number in this complaint because I don't want PR to know it's a working number. They will keep calling it unless stopped by your agency. 

I've worked as both a credit counselor and a bankruptcy counselor so I know not to engage with these people. I don't answer any of the calls and none of the callers have left a message. These are most likely robocalls. I block every phone number this company uses and but it must have an unending supply of phone numbers from different states to use. PR is based in Virginia and to the best of my knowledge there are no offices in my state.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX has been paid in full. Despite my request for proof of payoff and an update to my credit report, I was told no such proof would be provided, and that they would not update the report. This is unacceptable. 

I demand that XXXX immediately report the accurate information to all three credit bureaus. I have fulfilled my financial obligation, and I expect my reports to reflect that hard work and responsibility without further delay. 

This matter requires your prompt attention and resolution.
Product: Money transfer, virtual currency, or money service

Hello, I am a US citizen and Nevada resident. I have ample evidence to support all claims I made in this complaint. I have been trying to transfer my crypto off of PayPal for a month and have spent hours on phone calls with them for weeks now.. They have permitted 3 transfers to go through to 2 different wallets but seem to randomly block some. At this moment I am completely unable to transfer my assets off their platform. Their system sometimes allows use of my phone number registered to my PayPal account for XXXX and sometimes gives the message This type of phone number isn't supported.. Check your number and try again. I have a standard US phone number with XXXX. I have been careful to stay within their weekly transfer limits and carfollowed all their security procedures. I have had an account with them for 20 years. A few times PayPal has attempted to blame XXXX wireless for PayPals internal sporadic firewall issue. I have had lengthy conversations with XXXX which I have been a customer for over 20 years as well. PayPal additionally claimed my address for my phone did not match the address I have on file with PayPal. These are just a sample of the creative excuses they have come up with. They have never been able to explain why 3 transfers were permitted to my wallets and now they are blocking them. I want not forewarn you that if they say I have the option to sell my asetts on their platform I can then withdraw US dollars- this is entirely unacceptable because I will incur a substantial fee from PayPal and this is a taxable event and I am not wanting to incur a tax bill at this moment. I
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 1681. 

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 XXXXhas violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX, I am trying to looking for foreign exchange on a social media that is called XXXX, someone added me and says he could help with it, Im in a rush to change, he blocked me after I send the XXXX $ to his XXXX account although he promise me to pay me back, i am still a student I realized how XXXX I am to send money to someone online.I contact XXXX ASAP, I called them at least five times, they said they could not help because I am under XXXX and they need my SSN.Which is not fair, they need to help with a scam anyway.I report a disputing transaction to bank at XXXX, I do not get any progress after nearly a month.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian:XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Product: Mortgage

XX/XX/XXXX, I received a letter from my mortgage company, XXXX, that my loans will be transferred to Nationstar Mortgage ( My loans have been transferred twice since my refinance in about 2-3 years ) and that I need to send my XX/XX/XXXX payment directly to Nationstar. My monthly payment of my primary resident is {$1400.00} including principal and interest ( fixed at 3.5 % ). I sent a payment of {$3500.00} to Nationstar Mortgage, specifically indicating on a payment voucher that {$2000.00} should be applied to principal in addition to principal portion of {$1400.00}. 
Nationstar Mortgage assumed without looking at the payment voucher that {$3500.00} was a 2 months payment. They deducted 2 interest payments of {$680.00}. 
I called Nationstar on and spoke with XXXX. She could not answer what I was questioning. XXXX put me on hold for several minutes and came back on the line and told me that she spoke with her supervisor and supervisor advised her to tell me that it was an computer error and reassured me it will be corrected. I received a statement from Nationstar for XX/XX/XXXX payment. DOES NOT show any adjustments!! 
I called Nationstar again and spoke with XXXX. Again, XXXX could not give me an explanation. I demanded to speak with a supervisor. After being on hold for few minutes, a man named, XXXX, got on the phone who claimed he was a supervisor. When I inquired about the situation, XXXX said he already has been adjusted back on XX/XX/XXXX that he was looking right at it on his computer. Okay. I then asked him after looking at my XX/XX/XXXX statement, the difference in amount where XXXX claim it was adjusted. He could not answer me. I asked him to email my account history, which XXXX was looking at. He said he would. I sent via email and regular letter to Nationstar demanding that they send me a complete account history within 5 days. I HAVE NOT received it.
Product: Checking or savings account

The TD BANK is abusing in collecting XXXX $ overdraft fees even my account is not enrolled in such service
Product: Money transfer, virtual currency, or money service

I sent a {$1100.00} using a money remitance application name remitly but when i send it. It said that my money transfer was cancel but my money in my bank account in Bank of America decrease by the {$1100.00}. When I call the money remitance they say that they didnt received my money yet.
Product: Debt collection

This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. Experian is reporting my XXXX account under potentially negative 3. Reporting as open in the potentially negative section on Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion & XXXX have failed to accurately report the following information after disputing. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Credit limit : {$1400.00} ( This account is reporting as closed, this account is NOT closed ) XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Credit limit : {$300.00} ( This account is reporting as closed, this account is NOT closed ) These accounts are active/open. 
Due to these errors I have been unable to obtain certain account. I requesting these accounts be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 Balance - ; XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$50.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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 ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$50.00} .
Product: Checking or savings account

Have called over 8 times and have not received any kind of information. I should have been paid XX/XX/year> and still have no idea why i haven't. I have XXXX kids and a stay at home wife and we literally have nothing to eat or drink. We have no family or friends to borrow from. We seriously have no idea what we are going to do. Most of my bills were promised to be paid 2 days ago and we are terrified about not having water every second of the day. This has the potential to absolutely destroy me for a long time financially. Please... please give me something..
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.