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

In XXXX I started trading XXXX using PayPal. I made many transaction that I will list with the amounts and dates. On XX/XX/2018 PayPal sent us an email notifying us that our account had been permanently limited with no appeal. They claim that I violated their Acceptable Use Policy ( AUP ). They claim that I am in violation for acting as a currency exchange/dealer because I had been trading bitcoin and using PayPal to accept payment. According to the IRS, SEC and according to the 11th circuit court in Florida judge XXXX XXXX stated that bitcoin is not currency, it is property. In the case, they referred to the Texas Department of Banking Memorandum and they stated ( " Exchange of cryptocurrency for sovereign currency between two parties is not money transmission. This is essentially the sale of goods between two parties. The seller gives units of cryptocurrency to the buyer, who pays the seller directly with sovereign currency. The seller does not receive the sovereign currency in exchange for a promise to make it available at a later time or different location. " ). The final ruling was ( " Counts 2 & 3 Should Also Be Dismissed as Bitcoin do Not Fall Within the Definition of " Financial Transaction '' or " Monetary Instruments, '' ). In the AUP and all of their legal documents they never classify bitcoin as currency. I have been debating this with them for the past 2 months and their response is " We see it as currency ''. The contract I signed did not state that and I believe that they have breached our agreement. After all of this happened some of the accounts that had paid us turned out to be hacked and subsequently issued charge backs resulting in a negative balance of XXXX dollars. PayPal went so far as to reverse outgoing transfers to my bank. My take on this is that they have breached our agreement and have had a security breach on their end and want me to pay for it. Additionally this has inhibited my ability to operate my business as well as causing other personal losses. 

Reversed Transactions : XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX XX/XX/2018 : XXXX Total : XXXX I have receipts that can be verified through the block chain as well as logs from the site verifying the transactions. The currency has a very high value tied to it so I lost all of the roughly XXXX dollars I started with as well. Some of the transactions even had police reports attached because it is technically property theft. PayPal ignored all of this and reversed the payments. 

I have done everything in my power to reason with PayPal and rectify the misunderstanding. I have so far called their support line and talked to various PayPal executives to no avail. 

Any assistance you can render in this would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX
Product: Debt collection

In 2019 I was arrested by and sent to XXXX. My belongings was mailed by XXXX  XXXX  to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff is reporting to XXXX  that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.
Product: Checking or savings account

Can't transfer Funds from my Debit card. way2go card that holds my Unemployment Funds. Here is their Web Page https :  //www.goprogram.com/ On their site there is zero info on why they took that future off. It was there earlier. 
I tried to contact them on the the phone number they provided:XXXX. Wasnt able to talk to human. it is automated line where i can not find information on how to transfer my funds. 
Please help
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft, resulting in fraudulent and inaccurate accounts on my credit report. Despite my repeated efforts to address this issue, these erroneous accounts remain, causing significant financial hardship. Multiple fraudulent accounts have been opened in my name, damaging my credit score and hindering my ability to obtain credit. I have previously reported this incident to the credit bureaus and financial institutions involved, but the errors persist.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I went into XXXX XXXX  XXXX on XXXX and XXXX XXXX I purchased a cashier check for XXXX I went after receiving checks to the navy federal atm on XXXX and Michigan at the XXXX XXXX  I tried to deposit but it was returned because the amount was to large so on XX/XX/year> I took that same cashier 's check for XXXX back tXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX it down to XXXX XXXX dollars checks I received my checks and took them once again to XXXX Michigan XXXX XXXX XXXX XXXX  atm for navy federal on XX/XX/year> XXXX received a message my account was restricted for check fraud I then filed an appeal sent them my bank transaction statement along with both receipts from cashier 's checks and a statement explaining what happen and the phone number for the bank asking them to verify the check with my bank and on XX/XX/year> I received a message from XXXX XXXX  stating the XXXX stands but they never even tried to cash or verify funds i now have a false accusations of fraud on my record and i would like to have that removed before it has a negative effect on my life i am in the process of buying a house and this could affect my loan applications
Product: Credit reporting or other personal consumer reports

I recently check my credit report and see some fraudulent accounts, I already try to fix it but the company doesnt give me any information about that those accounts bellow : XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards & accounts have passed the statute of reporting. I put in disputes with XXXX, XXXX, & XXXX but the accounts still remain without explanation. Cards in question & dates closed. 
# XXXX XXXX XXXX XX/XX/2018 # XXXX XXXX closed XX/XX/2018 # XXXX XXXX XXXXr closed XX/XX/2018 # XXXX XXXX XXXX closed XX/XX/2018 XXXX XXXX Hyundai Motor Finance # XXXX Hyundai Motor Finance # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, Experian, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, Experian, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, Experian, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Product: Debt collection

Keep receiving phone calls from Medi credit XXXX I owe them and I have a balance with them. I have asked for them to send me a bill they claim to have sent a bill XX/XX/XXXX. Ive asked for them since they started bothering in XXXX to send another one they refuse to. They said they dont have to. Instead they choose to call me every day about 2 to 3 times a day and I know Im on a recorded line and I asked them to send me a bill and they just avoid it. I have asked for them to provide me a bill they have refused. I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

They fail to properly investigate after Ive sent in affidavit an identity theft information .That fail to investigate after I notified them that even the wrong social security number was on my credit report containing to accounts that didnt belong to me.The accounts came back accurate, without providing any evidence of a thorough investigation.
Product: Credit reporting or other personal consumer reports

Every time my XXXX XXXX  applies for anything, my credit drops. My XXXX XXXX XXXX got canceled today because my credit score has dropped significantly. My sister swears she uses her own name and information when applying but I know she doesnt have the credit score to get approved. Her car, credit cards, and whatever else has affected me and Im at a loss for what to do. Because its effecting my life at this point.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing yo adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? XXXX or Equifax and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid on my State Farm account on time. State Farm has reported a late on my credit report. I provided them with information that I tested positive for COVID 19 in XXXX XXXX and couldnt leave the country due to COVID 19. They refuse to give me a COVID 19 extension, I still attempted to pay on XX/XX/XXXX and the funds were debited from my account onXX/XX/XXXX because it was by a electronic check. The company reported a late to my credit report that has impacted my credit ratings. I am attaching proof that I sent to State Farm concerning the late payment was made on time and medical documentation of COVID 19
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

These accounts do not belong to me. Please remove the negative items as soon as possible. 

1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Prepaid card

I am in able to use the card to make an online purchase. Have tried various locations and will not work anywhere. Can not transfer back to my bank account or XXXX either. Now they are charging an inactivity fee. For what? For not spending my money? Who on earth would want to pay someone just so they cant spend their own money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be updated and corrected from my credit report XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$28000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$6800.00}. I have included a copy of a dispute letter I previously sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Mortgage

I began a mortgage forbearance in XX/XX/2023 with Mr. Cooper due to financial hardship from a sudden layoff. The agreement was for a 12-month forbearance, granted in increments of 2-3 months, with regular check-ins. This was understood as a procedural formality, not a reassessment of my eligibility. 

In XX/XX/2023, when I sought to extend my forbearance to complete the agreed 12 months, I was unexpectedly denied with no explanation provided. Despite multiple attempts to understand this denial, representatives of Mr. Cooper have neither provided a reason nor demonstrated awareness of VA circulars regarding the foreclosure moratorium. 

This situation has significantly impacted me. After the layoff, my income was limited to VA disability. I was extremely transparent and I also disclosed to Mr. Cooper that I was undergoing extensive treatment for severe XXXX, a latent condition stemming from my military service that manifested due to my sudden unemployment. 

Mr. Coopers actions suggest a disregard for the VAs guidelines and an intent to foreclose on my property prematurely, without offering the full 12-month forbearance period or any alternative support. They also feign ignorance about the multitude of VA circulars and guidance that tells them what theyre doing is in direct contradiction to the VAs guidance. This approach not only undermines my financial planning based on the initial forbearance agreement but also exacerbates my current mental health and financial challenges. 

As a veteran, homeowner, and client of Mr. Cooper, I find this outcome unacceptable and seek immediate intervention to rectify the situation.
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : XXXX shows XX/XX/XXXX, XXXX XXXX no date and, Transunion shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Product: Debt collection

Barclay Bank  Delaware filed a lawsuit against me in the  Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows  Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense.   I was unware of this debt and have had no knowledge of this debt until my bank account was levy on   XXXX   XXXX   XXXX     ; I have contacted the law firm  Barclay ban k hired to  VALIDATIE t he debt pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid  ate because they received judgment from court because I was not present to dispute the debt.      Furthermore, after reviewing all the court records and no records from plain tiff (  Barclay  ) attorney it shows that no one has any proof that I was ever properly   served to appear in court to dispute the debt. On   XXXX   XXXX   XXXX    , I filed a motion with the  Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on    XXXX   XXXX   XXXX      ; however, no party from  Barclay  attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and  advised I settle the claim with   Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay   Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Debt collection

On XXXX XXXX, XXXX  I received a Debt letter from Vance & Huffman , LLC. requesting i pay them a {$3100.00} for a loan i never received or recognized. I did not receive or ever applied for a loan of any kind from the XXXX XXXX XXXX according to the mailed documents they sent to my home. They have False information from the current creditor XXXX XXXX XXXX and it may involve Identity theft. I am getting anonymous debt claims from various attorneys and Debt collection companies due to my ongoing identity theft case and compromise of my personal information. The Vance & Huffman , LLC is not in compliance with state and federal Debt compliance laws. I have referred this complaint to the proper authorities. I will not pay any money to anonymous Debt Collection Attorneys with false or fake information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this immediately.