23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date opened : XXXX XXXX XXXXXX/XX/year> Balance : {$31000.00} To Whom It May Concern, Im reaching out regarding the above-referenced debt thats been reported on my credit report. I want to clarify that Im disputing this debt, as I believe there may be some discrepancies.

According to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681s-2 ( a ), I understand that youre required to provide proper validation of this debt. This should include the name of the creditor, the amount owed, and any details that would help me accurately identify the debt.

Additionally, Im aware that under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), Im entitled to dispute this debt within 30 days of receiving a validation notice. Unfortunately, I didnt have the opportunity to do so, and I feel that placing this collection on my credit report may not be in line with my rights as a consumer.

Furthermore, Im concerned that your actions might violate 12 CFR 1006.34 ( d ), which prohibits debt collectors from using false, deceptive, or misleading practices when collecting a debt.

Given these circumstances, I kindly request that you remove this account from my credit report and pause any collection activities until you can provide the necessary validation and ensure everything is in compliance with the relevant laws. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your understanding. 

Note : I also want to mention that in Arizona, the statute of limitations for written contracts, including most debts, is 6 years under Arizona Revised Statutes A.R.S. XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$810.00}
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 U.S.C. 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX XXXX  Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

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, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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: Checking or savings account

My Account was charged XX/XX/2022 for {$79.00} from my bank Navy Federal Credit Union due to a child tax credit that Navy Federal Credited to my account without My Knowledge or Authorization months ago. I called my bank on this day to reverse this charge because I had no knowledge of this and it escalated to a supervisor which later told me she could not reverse the payment whether I had knowledge of it or not. This is Not Legal. This is Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the car at question is a XXXX XXXXXXXX XXXX the company is XXXX XXXX XXXX the account is not mine
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. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> 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: Debt collection

Pioneer Credit Recovery is contacting all my family members telling them I gave them their information regarding my student loans I fell ill in XX/XX/XXXX and was on FMLA for a XXXX XXXX. I lost my employment XX/XX/XXXX due to the illness. I have been determined XXXX and started receiving benefits in XXXX. I am in the process of having my student loans forgiven due to my XXXX and long term prognosis. The applications were submitted to the US Department of Education
Product: Debt collection

The debt is with XXXX XXXX XXXX now being held by XXXX. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over 1000. XXXX is suing me.
Product: Credit reporting or other personal consumer reports

XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be lateXXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Product: Credit card

My husband requested a balance transfer from his XXXXXXXX XXXX  Card to our Citibank Credit Card in the amount of {$4000.00} on XX/XX/XXXX. This was reflected in both credit card statements. Then a second balance transfer was made on XX/XX/XXXX for the same amount of {$4000.00}. I don't know how this happened but it was also reflected on both statements. It put his XXXX account over the credit limit and created a negative balance ( credit ) on the Citibank account. 

I wanted to fix this and asked both banks to help reverse the transaction. XXXX credited the {$200.00} fee for the second balance transfer on XX/XX/XXXX. Citibank posted a transaction on XX/XX/XXXX, " REVERSE PAYMENT POSTED IN ERROR '' for {$4000.00}. The problem is they took it out of the Citibank account and did not send it back to XXXX or us. They just took the money. 

My husband has contacted Citibank 5 times without any results.
Product: Credit reporting or other personal consumer reports

EXPERIAN. XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX  XXXX : XX/XX/year> -- -> XXXX -- -> : {$1700.00}
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account, associated with the email address XXXX. 

I strongly believe that this limitation is the result of a misunderstanding or error, as I am confident that I have not violated any PayPal policies. I have been a loyal PayPal user and I have always strived to use the platform in full compliance with your terms and conditions. 

I kindly request that PayPal re-investigates my case thoroughly and impartially, with the hope of restoring my account to full functionality if no policy violations are found. I value the convenience and security that PayPal offers, and I rely on it for various financial transactions. 

If there have been any concerns or issues related to my account, I am more than willing to cooperate fully and provide any necessary information to expedite this process. I am committed to resolving any misunderstandings or issues promptly to ensure the trust and integrity of my PayPal account. 

I sincerely appreciate your attention to this matter and kindly request a swift response. I am eager to continue using PayPal as a trusted financial platform, and I believe that a re-evaluation of my case will demonstrate my commitment to upholding your policies. 

Thank you for your time and consideration.
Product: Mortgage

Made XXXX calls wo n't answer keeps saying no one is available and all mailboxes are full. We have not been able to speak to ANYONE since they took over loan. Making XXXX calls and not able to get through on XXXX seperate phone numbers is not good faith business
Product: Student loan

I tried to pay off Loan B ( # XXXX ) completely but my payment was not applied correctly. I paid {$2000.00} on XX/XX/12 and was told that was done as that was the correct payoff amount. However, after checking my account the next day, they split the payment between Loan A and Loan B. I tried calling and was hung up on twice. After being on hold for 20 minutes, I was told that they had to look into that. Payment adjustment ticket # XXXX was issued, and that the interest would continue to accrue.
Product: Checking or savings account

This is a follow up to case number XXXX. All the details are in that previous complaint. Due to not being able to see it, I am writing this follow up. On XX/XX/2024 XXXX called me to investigate the two complaints ; telling me the same story about how they can not tell me why they closed the account and that it was an internal decision. This is not a satisfactory response. I want them to disclose WHY it was closed. 

Also, Chase admitted they will not give me a refund for the service fee that was taken out almost the same week that the account was closed. They claim that by me signing, I gave them the ok to take out the amount from my account if I did not meet a combined total. This is incorrect because the contract never stated as such and they are taking advantage of my lack of knowledge. 

This was not right that, first, they freeze my account and THEN take out {$25.00} without my permission to add insult to injury.
Product: Credit reporting or other personal consumer reports

This credit bureau reports inaccurate information on my credit file.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.
Product: Credit reporting or other personal consumer reports

Fraud accounts on my credit need to be removed please
Product: Debt collection

Received a notification that a collection agency had reported an account with bad debt for collections. Reviewed the information and confirmed that the account was not mine and the referenced account was never opened by me. 

Debt Collection Agency : Transworld Systems XXXX to : XXXX XXXX XXXX XXXX XXXX Amount Owed : {$980.00}
Product: Mortgage

Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks
Product: Credit card

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the Equifax CREDIT REPORT by XXXX XXXXXXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Product: Student loan

I have made several calls to DEPT OF ED / AIDVANT to dispute several re-aged student loans that are more then XXXX years old on my credit report. The information on the student loans are not accurate and is not mine. 
These should be removed from XXXX, XXXX, and XXXX DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$8700.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$77000.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX + {$490.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX {$7100.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$6900.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX  {$9100.00} In good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I received a robo call from someone who threatened to charge for a service I had not requested. I became concerned about the fact that someone must have my SS # etc ' I called Equifax to see if my information had been compromised. It confirmed that it had been. On this date I froze my credit on XXXX  & XXXX. Equifax has refused to do so despite my spending almost 5 hours on the tp & internet. No explanation, just referring me to someone in the XXXX or elsewhere.Online it says '' sorry we can not complete your request and provides a telephone No ) Calling it I get nowhere until the robe voice cuts off with a ( Thank you for calling Equifax ). I don't wish to file a claim since I have not been damaged yet. Also it seems that relief is limited to {$120.00} or so. Any assistance would be appreciated. If this attitude continues, I will commence a personal action against Equifax.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX XXXX to which now Jefferson capital the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX have charged off and closed the account prior selling it to Jefferson capital
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I placed an order with a company then doing business as XXXX. The order was for a puzzle and I paid {$40.00} using PayPal. My complaint is againt PayPal for their handling of my grievance against the seller. 

On XX/XX/XXXX I received a puzzle but it was the wrong puzzle. I had ordered a puzzle showing US postage stamps. I notified the company immediately. They did not respond so I followed up via email. The second time I got a response asking me for a photo of the shipping label and the box I received. I sent both. Over the next several weeks I went back and forth with this company several times. They admitted their mistake, The offered me a fraction of what I had paid. A copy of the email chain is attached. 

On XX/XX/XXXX I filed a request with PayPal for a refund. I supplied PayPal with all of the above information. The request was identified as " item not received. '' After communicating with the seller, PayPal rejected my claim. I convinced them to re-open it under " item not as described. '' Here are the details : Case ID : XXXX Seller information XXXX Transaction amount {$40.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Invoice ID XXXX PayPal has now reported to me twice that they have gone back to the seller asking for more information. They do not share this information - what they are asking for or what they are receiving - with me. In the first case, PayPal wanted to know if I would settle for half of the refund I was requesting. 

Further, PayPal has on two occasions told me I can expect resolution by a specific date - but those dates have come and gone. I also attempted to escalate my concerns with PayPal via their XXXX page. They directed me to send a private message. I did but then had to wait XXXX days for this response : " Hello XXXX, we apologize for any inconvenience we course. 
Share your account info so we take a closer look into your issue. 
Thank you -XXXX  XXXX I had already given them my email address ( account info ) but replied to this message with the information again. That is the last they have responded ( a week ago ). 

For reference, I am also attaching a sampling of the messages I have received from PayPal on this matter. 

I believe PayPal is simply stonewalling me and in the process is aiding and abetting a fraudulent company. When I look at the PayPal XXXX page, it is flooded with similar complaints. PayPal should not be advertising that they protect consumers when they obviously do not. While I am still hopeful that PayPal might eventually do the right thing and refund my money, I am hoping I can get to that resolution faster - and maybe help protect others in the future - by filing this complaint with the Consumer Finance Protection Bureau. Thank you.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. There is inaccuracies in my name, DOB, and fradulent addresses and phone numbers on all my account. have reached out to all three credit furnishers and non of them have respoded or provided proof of the request for removal of all the aforementioned accounts, name, addresses, phone numbers, employers and inquires soft and hard sustained by these companieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECEIVABLES MANAGEMENT CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX