23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX. I will try to get my point across. In the beginning of the year, I used PayPal ( PP ) to purchase XXXX women 's hoodies and XXXX pairs of women 's XXXX athletic pants. They were XXXX separate orders. XXXX hoodies/XXXXpants for me & XXXX hoodies/XXXX pants for my sister. After PP was paid the money for these XXXX items, the started going into my bank account and taking more money out in usual amounts. An example would be like {$14.00}. They then put the money back the same day. Then they took some more money out of my account for no reason. I went to my credit union. XXXX. XXXX XXXX called PP each time and they would replace the money again. I still think that PP may have charged me for an extra hoodie & pants too. Now, they 're saying I owe them money & if I do n't pay them {$25.00}, they 'll send my information to my a credit bureau. 
The PP argument is that when I purchased something earlier from XXXX XXXX via PayPal, it cost PayPal {$25.00} b/c PayPal essentially says it paid XXXX the {$25.00} amount before they got the money out of my account. My SC XXXX XXXX XXXX " may have '' rejected PayPal because they knew everything that PayPal had been doing in fer. to taking my money out and only replacing it wen they were continually caught. This whole thing has my head all messed up and stressed out. Is there anything that I can do about any of this confusing mess. If I really owed them any money, then why did they replace the money they were stealing out of my account every single time? I feel helpless. My anxiety levels are really high because of PayPal 's treatment. Thank you for your time. XXXX XXXX XXXX ( XXXXXXXXXXXX ) This following is the latest correspondence from PayPal : Dear, The negative balance in your PayPal account is due to a failed banktransfer from a transaction. The payment was sent to the seller however, your bank account was never debited. In order to remedy the negativebalance situation it is imperative you arrange to fund your PayPalaccount to XXXX or a positive amount at this time, to avoid furtherdisruption to your PayPal online payment services. If this negativebalance is the result of an open dispute, please log into the ResolutionCenter on your PayPal account, to resolve the dispute. 
To add funds via electronic bank transfer : Go to the PayPal website and log in to your account. 
Click " Add Funds '' at the top of the page. 
Click Transfer Funds from a Bank Account linkFollow the on-screen instructions, and transfer money to your PayPalaccount in at least the amount of your negative balance. 
If you do not have access to your account or prefer not to pay on line, please mail your payment in the form of check or money order to : PayPal, Inc. 
Attn : AccountingP.O. XXXX XXXX, XXXX XXXX USAMake your payment payable to PayPal and include the email address listedon your PayPal account in the memo area. Please allow 10 business daysfor a personal check to be posted. 
Sincerely, Risk OperationsPayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment and removing all addresses but the one I submitted and gave information on that I receive mail too. 

I submitted my social security card, driver licenses, and dispute letter. 

Equifax sent a stalling letter and did not verify and validate my dispute. 

They said they needed my driver 's license and Social security card and as you can see I sent it. 

I'm resubmitting.
Product: Credit reporting or other personal consumer reports

I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. Equifax wrote back saying the acct was verified which is not what I had asked.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information, including [ describe any specific inaccuracies, such as incorrect balance, payment history discrepancies, or disputed charges ]. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 Amount {$2800.00} I have a late payment from XX/XX/2023 In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of XXXX XXXX and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Product: Payday loan

Cash Central has been tapping my cell phone and calling it with a reference number being provided after I made arrangements with their Collection department who gave me the extension on my next payday to pay on a new loan after I paid off the old one less than a month ago. I have not been do even thirty days late but they have been calling from a XXXX XXXX company and all week every single day harassing me after I spoke to several Cash Central Managers all last week and the end of last week I spoke to customer service who noted the small debt I owed which is around XXXX due to other fees. I have been scammed at my Bank and Cash Central documented that I am not a returning customer and this debt has been arranged for me to pay on during my next payday I am paid monthly and ca n't afford to pay for everything and this payday loan is the XXXX one this year I have been getting paid off so they need to stop harassing me I am broke from paying the other XXXX Cash Centrals loans and I am filing this Complaint to get this Company and the Law to have Cash Central reported to stop calling my home and cell phone as soon as they break and do n't have any other customers to bug by phone as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$260.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Product: Credit card

I have most of my statements attached for your review ( I have XXXX as well if needed? ) My situation was that they were charging me a credit card security fee and applying the majority of my monthly payments there without my permission or agreement. They never stated that would occur. Due to that I did not show balance was paid in full at years ' end. 

Please advise if you need further information, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect amount of XXXX dollars is being requested for payment as noted by XXXX  for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, Nationwide Acceptance corp. is supplying incorrect data to XXXX  reporting agency.
Product: Credit reporting or other personal consumer reports

Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, XXXX and Equifax reporting charged off and late.
Product: Debt collection

This company sent this text. It is a violation of the law ; they do not identify that they are a debt collector, make it sound like an urgent legal matter and do not say what it is for. I had to look it up online to see what it was.
Product: Payday loan, title loan, or personal loan

I had asked to have my auto ach stopped and was told i had to call the company. I called the company then was told it was too late to stop and i had to call back after the next payment posted. I called back but when you choose the option to speak about the account it always says 2 minute hold time then in two minutes a recording tells you that you will be called back. I finally got an email reply to a request i made saying i no longer authorize them to debit my account and they again replied and said i had to speak to a XXXX XXXX agent before my request would be honored.
Product: Money transfer, virtual currency, or money service

I received PayPal message on XX/XX/XXXXthat I can no longer use PayPal again when I try to withdraw my fund and it doesnt work out. I was not even ask to tender any document my account was just limit and I cant have access to my money I worked for.
Product: Money transfer, virtual currency, or money service

Hello and thank you for your time researching this. I've been a customer of Square payments since 2019 for my small business, which is a one-store brick and mortar location. Being it is a XXXX XXXX, I have to collect a refundable damage deposit in addition to the rental fee. At the conclusion of the rental, the client is refunded the damage deposit. Square has implemented a new policy to charge small businesses a fee on refunds. This is an unethical practice as a small business is not retaining these funds and therefore should not be assessed a transaction fee. This was THE main deciding factor when choosing a payments platform for my small business, and Square is now going to charge small businesses for funds they're not keeping. This has a major impact to my small business on top of the many other significant price increases it continues to face. I've already contacted the company via email and phone, and they have not been reasonable to discuss any options to help my business.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

ON DATE XX/XX/ I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX # XXXX TRACKING # XXXX FOR VALIDATION OF THE DEBT. THEY REPLIED TO MY LETTER ON XX/XX/XXXX  WITH A LETTER " RESOLVE YOUR LEGAL COLLECTIONS ACCOUNT ''. THEY GAVE ME 3 OPTIONS TO PAY BUT THEY NEVER SENT ANY DOCUMENTION SUPPORTING VALIDATION OF THE DEBT.
Product: Vehicle loan or lease

I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  account # : XXXX Account name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Account # :1166**** 15 U.S. Code 1681s602a. States I have the right to privacy.

15 U.S. Code 1681s604a section states a consumer reporting " agency '' can not furnish an account without my written consent/instructions.

15 U.S. Code 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information other than the conviction of crimes which anteaters the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has cause to believe information is inaccurate.
Product: Credit card or prepaid card

My American Express Serve card was compromised on XX/XX/XXXX. I noticed it and reported it XX/XX/18 at XXXX XXXX. I was told at the time they would cancel my card and issue a new one. 

I was also told on XX/XX/18 that I had to wait till the charges were no longer on hold. My card account information was used at 2 XXXX ( XXXX XXXX ) gas stations for 6 separate transactions totaling {$990.00} in NC, it was also used for what appears to be a test thru a merchant in XXXX, TX for {$0.00}, that is still pending on hold and I live in NJ. My card is still in my possession. 

The XXXX transactions cleared on Sunday XX/XX/18. I called American Express Serve at XXXX XXXX  to notify them. I was hung up on. Transferred to the dispute team who said I had to talk to fraud, who transferred me back to disputes. I was told by a XXXX they would cancel my card and reissue it. Even though I explained that was done on Friday XX/XX/XXXX. 

That representative XXXX who is in the XXXX first asked me did I still have a subscription to the company in question, I asked what subscription was he talking about and he said to the XXXX XXXX. I explained that it was a gas station and not cellular services where the purchases were made and no on wold purchase {$990.00} in gas at any one time unless they were filling a fleet of trucks which I do not own. He stated the investigation team would be requesting camera details at the store to see if it was me making the purchases. I am clearly at this point upset. He stated I would receive paperwork and that it needed to be filled out in 2 days. I asked when I would get that paperwork he said in 2 days so I was confused and said you told me you would send it in 2 days I cant possibly meet a deadline if I dont have it before the end of that deadline. 

He hung up on me and when I called back at XXXX, I spoke with a female who didnt give me her name. She said I would receive an email with Declaration paperwork with in 24-48 hours. 

On XX/XX/18 I still hadnt received the paperwork and called at XXXX XXXX. Maverick another representative proceeded to tell me the paperwork is sent within 1-2 business days. Meaning I wouldnt get it before Thursday XXXX. When I asked to speak to a supervisor I was put on the phone with someone named XXXX and when I tried to ask for a manager after not getting any different response I was ignored until I had to hang up. These calls are all on my cell phone with times attached. 

I understand there are processes to go through but I can not afford for my account to be emptied and stay that way for such an extended period of time. I have tried numerous ways to convey the urgency of this as I have rent and other bills due that this money was meant for and this is threatening my livelyhood. 

Its is now XX/XX/XXXX and I still have yet to receive a phone call or the supposed paperwork via email. While I try to remain and positive as possible it appears that American Express Serve and its employees do not have rules they are governed by.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDUCATIONXXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.