23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX a received money on my PayPal account from a XXXX XXXX. i asked him what the money was for and began looking into Paypal scams. immediately i found that people sometimes send money and then ask for a refund at the same time canceling the transaction which lead to the getting paid twice. i did not send the payment and i alerted PayPal. i let them know that i had not sold him anything and that this was a scam. i do not sell anything on my PayPal. it is a private account i have had since XXXX i use it to pay bills and make secured transactions. in XXXX through my business website which was created by XXXX  and payments are powered by XXXX. i opted to accept Paypal as a form of payment in XXXX and somehow it then started sending payments to Paypal instead of to my business account which i did not sign up for. PayPal is now holding {$1600.00} dollars of my funds against my will, written instruction and consent. these are violations of my rights and the law. This isalso a breach of contract, a violation of paypals own by laws and multitudes of State law. this is unjust enrichment, conversion, false and misleading practices, deceptive trade practice, fraud, unfair business practice. there are multitudes of MN state violations as well. including but not limited to the MDTPA, MCPA, MDCPA, MUCC and multiple violations of the MN bill of rights. Due to the nature of these violations PayPal would be liable not only through its own arbitration agreement but also to the FTC, CFPB, SEC, IRS, MN attorney general and several other authorities. I am hoping to cure this matter in an effective and efficient manner. Paypal will absolutely not hold my money for 6 months. this will be considered opportunity to cure any further violations shall be deemed as willful. i am giving 7 days to release funds and return my account to proper standing or else i will be forced to pursue all methods at my disposal. Paypal is registered with the IRS and the state of Minnesota and this mean the agree to abide by the rules i expect immediate compliance. i would also like to note that Paypal does not have certificate of authority to transact business in several states and annual renewals are overdue. the account in dispute is account id XXXX XXXX
Product: Debt collection

I actually have no knowledge of this account. When I log into XXXX XXXX this collection does not pop up on my report. A letter was not sent to me requesting that the debt they assume I owe be verified. They never notified me through mail stating I am responsible for a { {$100.00} } bill from XXXX. I was never sent a bill as a validation of this debt, but I need an original validation identifying of my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit report
Product: Credit card

there are five hard inquiries on my credit report from XXXX... please remove them.
Product: Vehicle loan or lease

XX/XX/2021 amount {$42000.00} this account was listed on my report as a debt
Product: Debt collection

On XX/XX/year> a garnishment was placed on my bank account for a default judgment on a old car loan from XXXX  years ago that was sold at auction to a XXXX balance shown on my credit report. I contacted my bank they provided me the phone number. XXXX XXXX XXXX. Case number XXXX. I called the law office for further information. I told them I never received any documents or a court date to dispute this out of stat debt ever. I requested the docs and still havent received any documents from them.
Product: Debt collection

I XXXX XXXX XXXX have requested that FCO or " Fair Collections and Outsourcing '' validate the alleged debt in which they erroneously continue to publicly report. 

Performance is expected in accordance with the herewith attached Court Order, Case No. 2015 CA XXXX XXXX and the Law. 

since XXXX, FCO has been erroneously reporting to the american public and credit bureaus that XXXX XXXX XXXX has a debt owed to your company in the Disputed amount of {$24000.00}. 

FCO has willfully failed to perform by refusing to validate the purported debt I'm accordance with the herein referenced Court Order, Case No. XXXX CA XXXX XXXX and the Law. 

I, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have sent several request that FCO validate the alleged debt in which FCO erroneously continues to report to all three credit bureaus and the public thereby tarnishing my good name and credit standing. 

I am in receipt of registered and certified, return mail receipts which were addressed to " XXXX XXXX '' as CEO and accepted and signed by " XXXX XXXX '' and other authorized representative. 

FCO 'S willful refusal to validate said debt is a direct violation of the herewith attached court order Case No. XXXX CA XXXX XXXX 

Notice : all communications will be forwarded to the District Of Columbia 's Attorney General and the presiding judge, Superior Court Judge XXXX XXXX XXXX, SO ORDERED AND ADJUDGED on XX/XX/XXXX. 

As I understand the foregoing order to mean as follows : " FCO understands that this Judgment is enforceable by the Office of Consumer Protection of the Office of the Attorney General for the District of Columbia and agrees that any violations of this Judgment shall be considered an unlawful practice that violates the Consumer Protection Procedures Act subjecting FCO to the legal and equitable remedies provided therein. '' ( See Case No. XXXX CA XXXX XXXX ) Notice : NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX : {$520.00} XXXX XXXXXXXX XXXX  : {$1000.00} XXXX XXXX XXXXXXXX XXXX  : {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$37000.00} XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  : {$990.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$36000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for these incorrect accounts to be removed from my account as soon as possible. The credit bureaus are violating my penal code rights : 1.15 USC 1692 ( g ) 2.15 USC 1692 ( c ) 3.15 USC 1692 ( j ) 4.15 USC 1681a ( 2 ) ( b )
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 604 A. 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 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: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against XXXX to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the XXXX. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time
Product: Credit card or prepaid card

Are there any laws protecting consumers in regards adverts urging an application for credit? 

Why are financial entities allowed to advertise agressively and persistently to non-qualified consumers? 

Today I decided to take a hit for arguments sake. I got so annoyed I used myself as a guinea pig. I knowingly went down the rabbit hole of applying despite a very sad credit rating of around XXXX last I checked. I logged into my Paypal account and got the usual bombardment of ads to apply for those Paypal *pre-approved credit cards. I'm serious. I applied for one, got rejected and it prompted me to apply yet again. I did- and as expected it did not approve. I'm guessing it took XXXX points of my rating but I did it to shed light on this unjust situation. It's just wrong. 

A person 's credit can determine if the are allowed access to housing- it's a serious matter. I am trying to fix it like many others. Why are these companies allowed to do this? To advertise to non-qualified consumers on an off-shoot chance a small percentage convert at the expense of the consumer and families. This is bad ratio to me and doesn't feel right. It's not right ethically but maybe not legally? The big question is does anyone care? Is there a true advocate for consumers rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed {$1900.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Cap One XXXX - This account is past the statute of limitations and needs to be removed from my credit report.
Product: Student loan

After going on maturnity leave on XX/XX/18 I fell behind in payments due to no income. Responded to navients offer of forbarance on my loans both private and fedral XX/XX/18 by calling the number they provided was told that all my loans were in forbarance until XX/XX/18 they also at that time cancled my auto ach withdrawal that I had set up for all my loans. I was told all past due amount were taken care of with the forbarance and while I could still make payments I was not required to. I then started to receive collection calls and payment emails starting XX/XX/18 for my private loan that at first it was a scam so called the same number only to find out they had not put my privet loan on forbarance as I was told but had cancled the auto ach payment I had set up and had it reported as 120 days past due and no record of me calling and demanded I pay it in full with no other options even though my federal loans on my account were in forbarance.
Product: Credit card or prepaid card

I charged   XXXX   XXXX   (  XXXX  )  XXXX  on my BofA credit card on  XXXX   XXXX ,   XXXX   in  XXXX ,  XXXX . The merchant (  XXXX   XXXX   XXXX   )  offered me an option to pay the  XXXX  amount in  XXXX  which I declined -- the amount the merchant wanted was {$180.00}. I preferred paying in  XXXX  as the credit card compnay ( or  XXXX   )  would convert at a better rate. I did that for all my other charges on that trip and had no problems.     Later on it seem the merchant fraudulently changed the " decline paying in  XXXX  '' and charged me in  XXXX  instead. I could easily prove that if  BofA would get a copy of the original signed receipt. BofA  refuses to provide me a copy of the signed sales slip that shows I did not authorize a charge in  XXXX . This happened with many merchants in  XXXX  and I always declined paying in  XXXX  and had no problems on my trip -- -only this merchant fraudulently changed the option after my signature.     Today I have to pay  XXXX   XXXX  or BofA says they will spoil my  credit score  ... but they will not provide me a copy showing I authorized  XXXX   XXXX  ( which I did not! ) ... instead they claim this is foreign exchange issue -- which it is not!     The matter could easily be solved if BofA showed me a copy of the signed credit card slip -- - they will not because they know I did not authorize it. I called everyday for a month and they refused to provide a copy of the credit card signed transaction slip.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Product: Checking or savings account

I've had many unauthorized transactions with Cash app and they have failed me. Not once did they find my dispute valid when in fact many were valid. They couldn't even present me with a letter of their actual findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of EducationXXXX {$0.00} XX/XX/XXXX
Product: Debt collection

notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 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 that I have any legal obligation to pay you.
Product: Checking or savings account

My account with TD Bank kept getting {$15.00} fees charged to me. After I contacted the management they informed me that if I kept over {$100.00} in my account there would be no fees. charged. I spoke with the manager at the XXXX MD branch and they reversed one of my three {$15.00} fees. The very next day after my account was credited they took another {$15.00} from my account on XXXX. They said no matter how much money I put into my account they would take another {$15.00} from me. It's automatic. The reason my account dropped below {$100.00} was due to them taking out the fees. This is a never-ending cycle. I lost over {$45.00} from their aggressive bank practice.
Product: Credit card

USAA does not give customers the option to set up weekly or biweekly scheduled automatic payments toward credit cards. They will only allow a once-a-month automatic scheduled payment of an amount I choose, or the minimum amount due. I feel this is predatory lending because it does not allow the consumer to make automatic scheduled payments that may help get the debt owed paid off sooner. USAA states that I can go online and make manual, individual payments as often as I want, but this is terribly inconvenient to the me, and it also puts the me at a disadvantage as the chance of missing a payment is much higher. USAA is preying on this opportunity to maximize interest collection, late fees, and not looking out for the best interest of the credit card holder. No solution has been offered by USAA at this time and their customer service representatives are stumped when I call and ask for help. Every single time the representative insists weekly payments are an option, and then can't find how to set it up either, and have no idea why it is not available.