23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to complain about the debt collection practices of the National Service Bureau. On XX/XX/ at approximately XXXXXXXX XXXX, a representative from the National Service Bureau called my father, who is XXXX XXXX XXXX, and told him that they were from XXXX XXXX XXXX and that I would have my driver 's license suspended if I did not pay a debt of {$3200.00} for a car accident I was involved in, in XX/XX/XXXX XXXX 
I have already told the National Service Bureau I am not responsible for this debt. I had a car accident in Florida in XXXX of XXXX, where there was slight damage to another driver 's car. The other driver made a claim for an outrageous sum of more than {$3200.00}, which I did not agree to or consent to. I assume that they had additional unrelated work done to their car, which could be the only explanation for this. I was found not to be at fault for the accident by the state of Florida, and the case was dismissed on XX/XX/ case # XXXX, XXXX However, the National Service Bureau continued to harass me and threaten me. 
I believe that the National Service Bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : They impersonated a representative of XXXX XXXX XXXX. 
They contacted my father, a third party, about the debt without my permission. 
Disclosing a consumer 's debt to third parties without their permission is a major violation. 
They threatened to take actions they could not legally take, such as suspending my driver 's license. 
They are now Harassing and threatening myself and my father They are making false or misleading statements They continued to harass me and threaten me, even after I told them I was not responsible for the d ebt and that the claim was unjust. 
I am requesting that the Consumer Financial Protection Bureau investigate the National Service Bureau for violations of the FDCPA. I am also requesting that the Consumer Financial Protection Bureau order the National Service Bureau to cease and desist from harassing and threatening me and throwing away this outrageous and baseless claim against me. 
National Service Bureau Case # XXXXXXXX XXXX XXXX XXXX Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated report on my credit file and dispute results from my recent dispute ...
Product: Credit reporting or other personal consumer reports

I attest that I am a victim of XXXX XXXXor purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). 
Under penalty of perjury, I declare ( certify, verify or state ) that the foregoing is true and correct, to the best of my knowledge. Clarity has not blocked my information although I mailed information as requested on their website.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, Paypal unexpectedly permanently and without warning, limited my account. When I login to my account, I see the message attached. I called PayPal regarding this, and they said theycould not share any more information about why this had taken place, and this decision was irreversible, and permanent. They claim the decision was based on risk but provided no other explanation. 

I have {$850.00} in my PayPal balance. PayPal says they will not release this {$850.00} for 180 days. I would like my PayPal account reinstated, since this decision was taken arbitrarily, withoutbasis and explanation. I have been a PayPal customer for over 10 years and have never had any issues or warnings regarding my usage of the service. 

Additionally, I would like my {$850.00} immediately made available to me. There is no legitimatereason to lock my funds up for 180 days.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXX/XX/year> : XXXX  XXXX : Account number : XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Money transfer, virtual currency, or money service

A transaction for the amount of {$840.00} was made in cash at this location, threw a system called CheckFreePay. The following payments were for utility bills, both entities confirmed that these transactions were not found or made.
Product: Checking or savings account

This is a follow-up to the complaint I filed one week ago, XXXX, in which Citibank claims to be unable to find {$100000.00} I deposited in an online savings account on or about XX/XX/XXXX. Since filing that complaint, I have unearthed emails from Citibank that give some clues as to the number of that account. Since I can see no way to amend that earlier complaint, I enclose herewith my letter to Ms XXXX XXXX, Citybank CEO, together with copies of those three emails, which identify the bank account as ending in XXXX and the associated debit card ( which out of caution I destroyed as soon as received ) as ending in XXXX. Hilariously, I am still getting emails from Citi urging me to deposit funds in this account which their tech representatives claim can not be found. Thank you! -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting a negative collection account from XXXX XXXX XXXX on my credit report. I have disputed this collection account with XXXX and TransUnion, but they have not responded and have not removed the collection account. Both XXXX and TransUnion were advised these charges were unauthorized and any services performed by the original creditor were done without my consent and without my written permission. I have never provided my social security number to the original creditor or XXXX XXXX XXXX, but somehow they have obtained my social security number through unknown means and without my authorization. I am not liable for these charges and never agreed to have these services performed. This is a civil matter and not a collection account debt. It is being mishandled and by XXXX, TransUnion and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX 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 number under an open end consumer credit plan as late for any purpose.
Product: Mortgage

We were paying approximately {$4000.00} per month on our first loan modification for 2 years. When this ended our mortgage went up to {$8500.00}, we called Mr. Copper and they advised us that we are eligible for a 2nd loan modification. They asked me for lots of documents which i was submitted to them in a timely matter. I was then informed via mail that they were putting me on a Trial/Workout payment plan and had to make 3 payments of {$7300.00} By XXXX XXXX, XXXX XXXX, and XXXX XXXX. And after they would qualify me for a permanent loan modification. I called a few times trying to get a explanation to what these payments are for but no one at Mr. Copper was able to give me an valid explanation. They all informed me that these were test payments to see if were able to make the payments on time. I do n't even understand the language/vocabulary of the documents that they sent me. I already sent in the first payment but i 'm having my doubts. I got another notice in the mail from Mr. Copper stating that my monthly mortgage will go up to {$9100.00} as of XXXX XXXX. So as of now i do not understand what is going on with my loan modification. I get new mail every week with new information and just want a solution.
Product: Credit reporting

To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them BK of Amer
Product: Credit reporting or other personal consumer reports

After looking over my credit report I have found inaccurate information. XXXX, Transunion and XXXX are reporting 1 thirty day late child support payment from the attorney general. The month in question is XX/XX/year>. I have made payments every month, and keep records for proof.
Product: Bank account or service

CHASE BANK WHOM I HAVE BANKED WITH FOE XXXX YEARS TOOK MY {$10000.00} WHEN I ASKED TO CLOSE MY ACCOUNT AND NEVER CLOSED MY ACOOUNT. AND THEY HAVE CHANGED MY STATEMENTS TO SHOW THAT I OWE THEM XXXX WHICH DOES N'T CORRELATE BECAUSE I HAD XXXX PLUS XXXX IN CHECKING AND SAVINGS ACCOUNT RESPECTIVELY. 

NOW WHEN I WENT TO THE BRANCH AND FORCED THEM THE MANAGER PRINTED OUT XXXX PRICE OF PAPER SAID NEGATIVE XXXX DOLLARS AND THEN POSITIVE XXXX EQUALS XXXX ENDING BALANCE. MEANS IT 'S XXXX NOW SO ATLEAST NOW MY ACCOUNT SHOULD BE CLOSED WHICH THEY ARE NOR CLOSING. THEY MADE MY INFORMATION PUBLIC AND BECAUSE OF CHASE BANK I AM VICTIM OF ID THEFT. THEY HAVE DISCRIMINATED AGAINST A MINORITY WHIXH IS SIMPLE AND STRAIGHT FORWARD AND I THEN LEARNED HOW MANY OTHER PEOPLE HAVE BEEN HURTED AND LOST EVERYTHING BECAUSE OF CHASE BANK. I WANT MY MONEY BACK VIA CHECK AND CHASE BANK NEEDS TO BE SUSPENDED FOR XXXX WEEK ATLESST. FIRST, I WANT MY XXXX PLUS XXXX BACK IN XXXX HOURS AND A LETTER STATING MY ACCOUNT BEING CLOSED IN END OH XXXX WITH ENDING BALANCE IN CHKN XXXX AND SAVINGS ACCOUNT {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with XXXX XXXX to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XXXX of XXXX. The payment history from XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to capital one. Another rep from capital one told me that the account was sold to another company called enhanced recovery company. 1-how can XXXX  verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my experian credit file. This is in violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized credit inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account number XXXX This collection account is showing on both my Experian and XXXX credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my Experian and XXXX reports. 

Thank you
Product: Credit card

I received an offer letter from Milestone/Concora XXXX XX/XX/year> offering a settlement of {$180.00}. XXXX attached. 

The offer was accepted and paid XX/XX/year> on a recorded line where I was assured I would receive a settlement letter in the mail. Confirmation number provided was XXXX. 

Please see attached screenshot from my bank statement the day my payment cleared XX/XX/year> in the exact offer amount of {$180.00} Please see attached screenshots of my call history with Milestone/Concora where I called requesting my settlement letter as I was assured it would be in the mail and instead I received more statements and now a collection notice. 

In my call with Milestone/Concora at the end of XX/XX/year> I was assured I would receive a settlement letter and it would take a few weeks. After patiently waiting minths and continuing to receive statements XXXX contacted then again. 

In XX/XX/year> I was assured this issue would be addressed and my credit file would be updated accordingly as I have been getting dinged for missed payments even after the account had been settled and paid. 

At the end of XX/XX/year> I received a letter stating my account has been forwarded to a collection agency. I tried to contact Milestone/Concora again but an automated recording informed me they no longer held my accout. 

I then contacted the collection agency ny account was sold to. After speaking with the collection agency I was informed that Milestone/Concora did not close my account and instead applied my {$180.00} as a payment on my account therefore growing my balance due to them. 
Please dispute this settled debt with Milestone/Concora on my behalf as this has been settled and paid. 

I have disputed this account with the collection agency as well as on my credit report. 

I am filing this complaint with the Consumer Financial Protection Bureau in XXXX last hope that Milestone/Concora does the right thing and this account is properly closed as " Settled/Paid out '' in XX/XX/year> and that my months of " missed payments '' and additional collection account is promptly removed from my credit report. 

I do not wish to pursue further legal action but I will not continue to be lied and bullied by predatory credit card companies such as Milestone/Concora .
Product: Debt collection

RADIUS GLOBAL SOLUTION on behalf of XXXX has filed a collection against my credit for an account I did not open, and have no knowledge of.
Product: Credit card

XX/XX/year> XX/XX/year> amount charged to me returned payment fee XXXX dollars I paid they sent the money back and charged me for it
Product: Credit card or prepaid card

I logged into my online banking with Chase and noticed that one of my credit cards had shown closed. I contacted their executive office and they said yes indeed it was closed and they would research it and get back to me. This is the third time this has happened and they have reopened my account in the past. 

I understand that Chase may reserve the right to close my account due to inactivity but as a financial institution it is within their operating agreement that they will not do financial harm to their customers. 

The account they closed is my second oldest tradeline. By closing it, they have effective done financial harm to me by reducing the number of tradelines I have open as well as my credit age which has not been cut in half. 

Chase called me today to tell me they sent me a letter several months ago telling me my account is going to be closed. I did not receive this letter, if I had I would have contacted them earlier as I had done so in the past two occurrences. 

I would like Chase to reinstate my account and give me the opportunity to keep my stellar credit profile. Other than a single letter that they claim they sent ( to cover their own interest ) they made no effort to reach me either through email or phone ( of which they could have easily done ). They took almost no effort to protect me from the financial harm that they knew this account closure would do.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXX  XXXX Balance {$0.00} This account has resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I was applying for Jobs.Then a company called XXXX XXXX XXXX XXXXXXXX XXXX XXXX was texting me to join.A first I was having a feeling this Company was a Joke/Scam because they was telling me stuff that didnt sound TRUE.Then I gave it a Chance and didnt know that they were going to effect my Credit knowing I didnt have any money at all.I tried it out and was an Appointment Setter for a Month then realized they werent going to pay me.Then they kept telling me they were going to pay me basically to stall and was my time of reporting them which helped because 50 days later I tried to report them then Affirm told me I was to late and its on Me to pay them.I kept trying to tell Affirm that Scaling with Salers I was expecting to get my money but they never ever paid me for my Service and Loan.So basically to make long story short I was expecting to make money to repay my loan and better my life but I never did after a month-5 months now.Now Im struggling to get it off my account because the company is saying Im responsible knowing Honestly I never borrowed a loan as big as $ XXXXIm just having trouble solving the problem because 1 IF I know they were SCAMS which they are I wouldnt even talked to them.
Product: Checking or savings account

I opened a XXXX XXXX  XXXX  account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same. 

I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives,  the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved. 

I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.