23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America through their Attorneys obtained wrongful judgement against me on XX/XX/XXXX - XXXX for {$19000.00} I appeared Pro Se and the presiding Judge XXXX XXXX XXXX ruled for Bank of America without careful examination of the evidence and the paper work presented by Bank of America. I was therefore denied legal process and totally ignored merely based on the shoddy evidence entered by Bank of America and their Attorney. Bank of America and their Attorney failed to demonstrate debt validation pursuant to the Fair Debt Collection Practices Act 15 USC1692g Sec 809 ( b ). 

Bank of America and their Attorney presented the front side of a signature card dated XX/XX/XXXX - XXXX as evidence. The terms and conditions on the backside were missing. 
And no credit card agreement. Bank of America billing statements of prior periods before XX/XX/XXXX - XXXX were missing. Bank of America billing statements from XX/XX/XXXX - XX/XX/XXXX were also missing from the evidence. I had no way to calculate the true dollar amount of the debt.
Product: Debt collection

I called The CBE Group, Inc because they sent me a email about a debt which I know about. I called to make arrangements because I want to get this paid. The gentleman I spoke to had a heavy middle eastern accent and I was telling him that I will make monthly payments starting XXXX XXXX of 2016. I think his name was XXXX or XXXX ... but he told me if I do n't setup automatic withdraws his company will continue to call me. I asked him to repeat his name because I did n't understand ; His reply was that he already said his name in the beginning. That 's the XXXX negative response because I 'm the consumer who is actually trying to take care of this matter ... I do n't deserve that treatment when a company wants me to pay them. I asked for his manager and he never transferred the call to a manager ; he placed another agent or changed his voice because he sounded just like the unprofessional agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 card

Several things happened, but here are a few. PayPal charged me fees for insurance or some sort of security plan multiple times. I personally dont know how many time they charged me but I received a refund for one charge, but not sure about others. I is so complicated because they charged me for this several times. I observed it this month. I never subscribed to any insurance plans. I noticed one of these unauthorized charges on my statement, canceled it, and got a refund. 

There are other unauthorized charges by PayPal, but I dont have time to go through all of them. My main concern is that PayPal enrolled and charged me for something I never subscribed to. Interestingly, you dont even receive a notification when PayPal does it. This means that if someone is not observant of these kinds of plans they never subscribed to, they can lose money on this even when they dont want it. I was smart enough to look at my statements, so I canceled it, but what about people who dont look at their statements at all? 

By charging multiple amounts like {$3.00} without my choice and permission, PayPal is scamming its customers. If they charged it to me, they are likely doing it to thousands or millions of other credit card customers. So they are making millions of dollars from this scam. 

They charged me for other random stuff too like I dont remember but something like a overdraft fees even when I paid on time. They refunded overdraft fees when I pointed its wrongfully charged. Imagine if I am not an observant person PayPal would rip me off. This type of wrong charges dont happen with other cards I have. Something is off with PayPal card services.

PayPal is practicing illegal and unethical tactics. They need to stop. They dont have a dispute option on the app, and calls have long wait times to fix problems. I have many other credit cards, but none of them ever charged me for fraudulently for services I never subscribed. I filed some complaints against them to dispute transactions, and they temporarily fixed it, but after some time, without any notifications, they charged me the disputed payment again. I am not able to read my past statements because they are not loading in the app. PayPal is a monopoly standing on pillars of greed beyond ethics.
Product: Student loan

Looking on my account information I realized I could pay off one of my smaller older student loans totaling {$640.00}. I paid the whole loan online. I went back on my account after getting an email saying my payment was posted. The loan balance now reads that I owe a bit over {$500.00} when it should show a balance of {$0.00}. This is not the first time this issue has come up. The difference is that I am not XXXX anymore and have a handle of my finances enough to note that my payments are not being received as they should. I have made payments on other loans that should have paid the total balance, which did not result in a XXXX  balance due. This is not okay. It is not being resolved. I should not have to pay more to this company than I already have.
Product: Debt collection

XXXX XXXX sent a letter to collect a debt for XXXX XXXX XXXXPendrick Capital Partners . It was in my maiden name which wasnt my name at the time this supposed XXXX XXXX occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 @ XXXX I called Equifax to dispute some items on my report I was transferred to the bankruptcy department. When I tried to dispute the issue he began to tell my I applied for the item and that it was me etc. I then began speaking to him about the issue telling him that I had reach out to the Maryland Bankruptcy court clerk and was told that they did not report to any credit bureaus that they used a XXXX party furnisher. He then stated that Equifax used the court to verify the information and again I repeated to him what was in the letter that was sent to me and I informed him that the agency or the court was not being honest and could he send me in writing how the info was verified and then he stared getting aggressive repeating saying that I signed the application etc. again I asked for in writing how was the information was verified and could he send me the info he then said oh no it's public record and we can put it on the credit report and I then asked who gave permission to do so and if its that easy can I add something to someone else report because its public information. I also stated to him that if it was an error or a lie about who report the information to the agency all he had to do was send me in writing how it was verified and if it wasn't obtained in a way that comply with the FCRA 611 ( 15 u.s.c 168 ) could they remove it. Needless to say he wouldn't even create the dispute and the conversation wasn't going no where so I ended the call
Product: Checking or savings account

I attempted to use my debit card for a charge less than {$30.00} and my card was declined. I have more than enough in my checking account to cover a {$30.00} transaction. I had to call the fraud department. I was on hold for more than 20 minutes. The rep mispronounced my name and asked me several personal questions. He claimed he was protecting my account. He then stated he would make a note on my account that I was traveling. I did not authorize him to make a note on my account. I did not authorize Union Bank to place a freeze on my account.
Product: Checking or savings account

I placed this order through XXXX for delivery. After placing the order when my alloted time for delivery got near I got emails showing order was delayed this went on for XXXX + hours XXXX chatting with customer service if I could just pick up or cancel the order XXXX promised that it would be delivered within XXXX hours which was pretty crazy since this was actual groceries. I waited and XXXX hours passed I again chatted in and they gave lots of push back for canceling the order but due to the amount of time I had waited they agreed to cancel. Nothing was delivered because it was canceled, the pending charge never dropped from my account so I opened a dispute once it posted. Wells Fargo again denied the claim
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information - Incorrect Account Type and Mishandling of Credit Report Account : XXXX XXXX XXXX : Account Number : XXXX According to my credit report this account is labeled as a collection account the account type states it is an open account, this account supposed to be closed. The last reported dates are incorrect. This is a violation of my rights and a violation of the fair credit reporting act
Product: Checking or savings account

I sold my card and deposited 2 large checks at my bank of America checking account on XXXX not deposit hold was placed on either of checks at the time of deposit. there was no hold on my account either on XXXX XXXX and XXXX. On XX/XX/XXXX I called my auto loan company which is XXXXXXXX XXXX and asked them to go ahead and do a ach on my account for the total amount, later on that evening on XXXX a deposit hold was placed on my deposits for XXXX and XXXX for the entire amount for 10 days. I called and called and called but my plea to release the funds got no where with bank of America. I even had the check verified by the paying bank to bank of america manager Ms. XXXX I was told that bofa employees have no ability to release any holds on accounts. I even filed a complaint on their website and on XXXX I got a call from the executive office and lady named XXXX stated that she might be able to help. She stated as she sees that the ach is pending for the amount of {$7600.00} from XXXX she will make an exception and release part of the funds so that the payment does not get returned. The other funds were still held by the bank until the XXXX. 

I have never seen anything like this and it is a mal practice and fraud from the bank to hold customers funds after making them available for 3 business days and then placing a hold on them. It was a night mare for me and my family for not to have funds that entire week.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end. 

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor AT T Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX XXXX they said they no longer report inaccurate information and i have no liability with them. Yet XXXX XXXX and Experian have all exhausted the XXXX of investigation but have not deleted the inaccurate unverified accounts XXXX XXXX- inaccurate information XXXX XXXX  which is close to it's XXXX of 7 years despite inaccurate information XXXX XXXX account XXXX because of discrepancies and unverified accounts but it still remains
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Debt collection

1. Received collection letter from ProCollect on XX/XX/XXXX. 
2. Did not recognize original creditor ( apt I had never lived in ). 
3. Submitted debt validation letter on XXXX to ProCollect via certified mail 4.  Received debt validation lease contract on XX/XX/XXXX with information that showed debt did not belong to me ( DoB, address of residence is not mine ).

5. Sent letter to ProCollect pointing out that the debt was not mine, with driver 's license as proof showing it was not mine.

6. ProCollect filed the collection against my credit accounts anyways, despite the evidence I provided, in attempt to coerce payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct XXXX, TRANSUNION, and XXXX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction. 


Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


XXXX, TRANSUNION, and XXXX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.
Product: Debt collection

this is not my account and I have disputed this before its taking off then returns opened date XX/XX/23 amount {$660.00}
Product: Debt collection

As a result of Data Breech by Consumer Reporting agency I was a victim of Identity Theft and this company also violates FCRA 15 USC Code 1601 and 15 USC 1681c and 15 USC 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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: Debt collection

I have never had service with XXXX XXXX XXXX, I asked for a letter showing proof that it was mine and have yet to receive it. Also, when I give them my social there's no record of it. I haven't gotten any collection letters or debt validation and now its on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to report accurate information on my credit report. I have an XXXX XXXX account that shows a balance of {$700.00} that has been paid in full, I also have an XXXX XXXX account that is showing 90 days past due which is inaccruate. There are fraudulant charges on my account.I called XXXX XXXX who informed me that they have not received anything from Transunion to dispute the accounts. I have sent multiple letters to Transunion regarding this and have not received a response.