23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This month XX/XX/XXXX, I found out through my XXXX Credit Report that my credit scored decresed by XXXX points. It just reflected that a collection account opened in XX/XX/XXXX for Progressive MGMT SYSTE stated I owe {$580.00} from XXXX XXXX XXXX. I only visted that hospital once and that was before XXXX, to my knowledge, all my bills were paid by my insurance or through the sizeable Copay I paid when I was there. Furthermore, in the past two and half years I have received no emails or phone calls from neither the hospital nor the debt collection agency requesting to pay this supposed debt. Should I had a verification of debt or at least notice I would of course set matters straight and paid of the debt.
Product: Debt collection

A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following po box XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX  XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION AMEX XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

I sent in documentation Via Mail showing Im a victim of identity theft on XXXX haven't heard a response back. Ive ask for debt validation letter haven't received that either Its XXXX accounts on my credit report auto loan and credit card
Product: Debt collection

My name is XXXX XXXX. I have previously opened XXXX different cases for this account, the first with XXXX Bank with case # XXXX, then XXXX with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, The BUREAUS with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to The Bureaus. 

No one wants to state claim to this account, what I am asking CFPB to do is since neither XXXX wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have XXXX XXXX TRANSUNION remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I have filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/year> under the account # XXXX, a collection account o XXXX XXXX XXXX under the account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

I went to XXXX XXXX  Located at : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX I did an special order on XX/XX/XXXX of several pieces of furniture. 
Since it was a special order there was no cancelation or refunds on it to which I agree. I waited for the order to be delivered On XX/XX/XXXX I received a phone call from the delivery guy that was going to deliver the dresser. All I said was that I wanted to wait for the rest of the furniture to be delivered. The delivery guy took it as not wanting the furniture. It took almost a year for them to send me to collections because of the policy I have signed. I was calling the furniture store wanting to know if they still had the furniture that I was willing to take it. 
The answer was that it was sent back. How am i suppose to pay for furniture that i never received. The last time I called the furniture place the guy that was helping me was rude and said I was too difficult to deal with. Now am getting a letter stating that they are willing to reduce the debt of {$6100.00} to {$3000.00}. It's not fair that a misunderstanding in the language can turn a I'll wait to and I don't want it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach of my sensitive, confidential, identifying personal information contained within involuntarily required credit reports in XX/XX/XXXX, and did not inform me of this breach until XX/XX/XXXX. This compromised my identity & financial security for over 6 weeks while they had knowledge of it which negated my ability to take actions to protect my identity and finances during that time. They have indicated they will offer free credit protection services to all Americans, however they require the aggrieved customers ( albeit customers who had NO CHOICE in being such ) initiate protective action rather than initiate the protection for the customers and let those who wish to refuse the protection take the initiative to contact Equifax and have it removed.
Furthermore, after numerous attempts to speak with a customer representative by phone on XX/XX/XXXX ( to no avail ), was unable to get beyond an automated phone system that disconnected and/or was never answered after numerous attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on my TransUnion credit report ( file ) shows that I have one ( 1 ) account as ever being late, and after reviewing my credit report ( file ), nothing reflects that I have any accounts as ever being late. If TransUnion can not identify any account as ever being late, provide a correct reporting to reflect that no accounts are late.
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 XXXX business days. Ive already included this in my previous Complaint & I am including it again., Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 reporting or other personal consumer reports

Name : XXXX XXXX  XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX USA Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I can provide all necessary documentation as well. I struggled with my health and loss of income during the COVID pandemic over the last two years. I was led to believe the loan modification applications submitted would assist me unable I became able to pay again. The representatives at US bank consistently assured me that I would end up with a lump sum to pay at the end of the forbearance. However, I received no notice other than a hand delivered summons to court on XX/XX/22. My condo is now being foreclosed without my knowledge ahead of time. I have to pay to attend court in two days {$220.00}. Please assist me in any way possible. The XXXX XXXX XXXX XXXX I pay association dues to also noticed me of eviction in two weeks I feel they want to quickly take my property without considering my rights and have been motivated by greed and XXXX discrimination. I can submit additional evidence documented as well.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The accounts below have violated my rights. 
15 U.S.C. 1681 section 602A. 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 any other adverse item of information, other than records of convictions of crimes which anteates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( a ) 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 information is inaccurate.

Please remove all fraudulent accounts. Thank you very much!
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1. Comenity Capital/XXXX XX/XX/year> I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

For the past two to three months, I have been receiving calls from Monarch Recovery Management attempting to collect a debt. The callers leave a message on my cell phone voicemail because I do not answer calls from callers not in my cell phone address book or callers with an Unknown caller ID. The phone numbers being used to call me show up in my caller ID with no name. The area codes used are XXXX and XXXX. The phone numbers change within the XXXX area codes on subsequent calls. 

The callers identify themselves as Monarch Recovery Management, stating that this is a call from a debt collector. Sometimes they say they are calling to collect a debt. In ALL cases, the callers NEVER give the name of the supposed debtor. On occasion no message has been left at all. 

I do not have ANY delinquent debts, so I should not be receiving debt collection calls.
Product: Money transfer, virtual currency, or money service

In XXXX of 2022, I received a message from PayPal ( the object of this complaint ) that my account, and my person, had been permanently limited ( banned forever ) for undisclosed reasons that they claim would jeopardize their security measures to disclose. As the account holder, I should at least be informed of what such violation they claim occurred in order to legally refute it. 

Having never violated any of their stated policies, I can only assume that myself and thousands of other Americans who are currently experiencing this are being unfairly targeted and discriminated against for some other reason. 

PayPal provides no means to appeal their decision, no way to contact anyone who can offer an explanation, and in retrospect- feels as though I've been accused of a crime, convicted, and sentenced with no recourse. Please investigate.
Product: Credit reporting or other personal consumer reports

I applied for a new XXXXXXXX XXXX  credit card online in XXXX. While I was out of the country, someone intercepted the card and/or the card information, activated the card, and made fraudulent charges ON XX/XX/year>. After many hours on the phone with XXXX, I was able to cancel the card. I received two letters from the XXXX fraud department saying they closed the card due to fraudulent charges, but they still continue to report that I am late on the 'payment '. Letters dated XX/XX/year> and XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I recently got a cash card to link with my PayPal account. I rarely used the card it was more of my card for a rainy day and so I was depositing money or my friends or family would send money and deposit with my PayPal link. So as I was going to pay a bill the other day I became aware of the amount I should have had wasn't there. So I reported the charges to PayPal who claimed other transactions contradicted the complaints I had. They were a XXXX and XXXX charge on my account and a few pizza charges these are things I wouldn't do I don't eat pizza and I don't have a need to use a hotel on any level.So they denied my dispute and even though I said that if a transaction did occur just because of other transactions doesn't negate that there are other charges unauthorized and as such my monies is protected I called these places and oone hotel XXXX  XXXX said they would correct the charge we spoke on XX/XX/18 and XXXX XXXX hasn't returned calls ive made, phone messages also. I change my PayPal password and added notifications to alert of ANY transactions made thru text or email so as to protect at the point of use instead of way after and to note that I will check my account weekly or byweekly and just more frequently to keep track of all transactions.And to swiftly address instead of being surprised as I was to know I had enough to pay a bill then find out because the unethical motives of others I've become a victim and I now feel vunerable and untrusting of the unown situation or people