23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill in the mail from : XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX  XXXX XXXX, TX XXXX Www.syncomcorp.net Phone : # XXXX Fax # XXXX Account # XXXX Current creditor : XXXX XXXX XXXX XXXXXXXX Client Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
The Debt collector is stating they are collecting a {$7200.00} debt for original creditor in that amount. I have no idea who any of these companies are nor did I do any business with any of them. I have never obtained any services and/ or products nor did i ever request any loan or credit with any of them ever. They do not give any information of what the balance is for and when the date this account was originally opened or where. It just demands that I pay {$7200.00}. They have been threatening calling my phone and wont tell me who they are or anything. They have lied to me telling me that they are XXXX XXXX XXXX and have started filing criminal charges against me but wont tell me for what without me verifying my identity over the phone, which Im not going to give out any of my personal information to someone calling me and threatening me but wont even tell who they are or what its about. They have recently found and got in contact with my brother at XXXX in the morning telling him that Im in serious trouble and he needs to have me contact them immediately at a completely different number then the number used to text him. They have since then also text message me in the middle of the night harassing me stating I need to contact them immediately but still have not ever said who they are or what this is about. They continue to call my cell phone daily and tell me that they are a law firm and Im in serious trouble and demand i verify my identity without telling me what its about and I refuse to give them any information and disconnect the call everytime. I have blocked there number but they are now calling from another number which is also now blocked but still shows up on my caller id as a blocked missed call.
Product: Debt collection

I don't recall having a contractual relationship with this collection company EASTERNACCOS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between XXXX ( XXXX, IL ) and XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX  XXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.
Product: Credit reporting or other personal consumer reports

i check my credit report last week and i noticed XXXX XXXX  that mine
Product: Credit reporting or other personal consumer reports

The company has sold the debt. This is more the 20 years old, it shouldnt have been removed from my credit report.
Product: Money transfer, virtual currency, or money service

I wanted to send {$5000.00} to my cousin in XXXX on Monday, XX/XX/2022. 
I went to the nearest Citizens bank branch to my home. 
I have a checking and saving personal and business account with this bank. 
Prior to going there, I booked an appointment with XXXX XXXX the branch manager. 
He assigned one other banker to assist me. 
Banker asked for my information, and beneficiary ( my cousin ) information to transfer. 
I have indicated and emphasized that I'd like to transfer the same dollar amount. 
I agreed on paying {$75.00} for fees. The piece of paper that I signed also indicates Total to the Recipient : XXXX USD. 
My cousin informed me today ( XX/XX/2022 ) that the received money was XXXX euros. 

This was not what I have asked my bank to do, this money is much less than what I expected, it is not what I expected, and Citizens bank has violated the customer 's right. 
My right to request banking services as exactly indicated above, my right to be informed. 
I called the office of transfer ( XXXX ), and when I complained about the above issue, the citizens ' bank manager hung the phone on me ( Disrupted the phone conversation ).
Product: Checking or savings account

JP MORGAN CHASE BANK IS CHARCHING ME AN ABUSIVE FEE FOR WITHDRAWING FUNDS OUT OF MY OWN ACCOUNT. XXXX FOR A XXXX WITHDRAWAL, EVEN WITH FUNDS AVAILABLE IN MY CHECKING ACCOUNT. I UNDERSTAND THERE IS A FEE WHEN PULING MONEY AT ANOTHER FIANACIAL INSTITUTION USUALLY LESS THAN XXXX DOLLARS. I BELIVE THIS PRACTICES ARE ABUSIVE AND UNFAIR TO CONSUMERS. 

REPRESENTATIVE SOPOKE WITH AT XXXX IS XXXX XXXX AND THE COMPLAINT NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I am submit this complaint to bring to your attention a persistent issue concerning fraudulent items on my credit reports, despite my ongoing efforts to rectify the situation. Within the next 15 days, I am scheduled to update my credit reports, and this communication serves as a follow-up in anticipation of that update. Regrettably, my attempts to remove these fraudulent items in recent months have been met with resistance from the Credit Bureaus, as they persist in reporting inaccuracies. Under Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are legally obligated to remove items determined to be a result of identity theft. The dispute items in question do not belong to me, and I have attached the required FTC Report with reference # XXXX for your reference. Specifically, I am formally requesting the removal of the following specified inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAXXXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX They send a letter for me the response XX/XX/year> trying to collect XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by ETH Node which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ).
Product: Debt collection

I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.
Product: Debt collection

In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT NUMUROUS TIMES WITH XXXX XXXX XXXX XXXX XXXX ASK THEM TO PRODUCE INFORMATION ON HOW THEY VERFIED THIS ACCOUNT, IT HAS BEEN MONTHS AND THEY HAVENT RESPONDED OR PRODUCE ANY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Debt collection

I am XXXX XXXX XXXX. I am in the U.S. XXXX and have had issues with my father using my SSN for years. I currently have a {$750.00} debt in my credit report that I have zero knowledge about. I also have several hard inquiries to auto loan places in XXXX, GA where my father lives. Also his place of employment is on my credit report. As well as an alliance he uses with my name of XXXX XXXX. What can I do to fix this issue. This has been going on for several years and constant keeps popping back up on my reports. What can I do to fix this.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am filing a formal complaint against Equifax, as the agency is in clear violation of its obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has refused to investigate unauthorized inquiries on my credit report and has shifted the verification responsibility directly to the creditors, instead of following the legal procedures required. 
Description of Violations and Facts Equifaxs Refusal to Conduct an Investigation of the Disputed Information : On XX/XX/XXXX, I formally submitted a dispute to Equifax requesting the removal of several unauthorized inquiries on my credit report, which appeared without my consent. To date, Equifax has not conducted the necessary investigations to verify the legitimacy of these inquiries. In its latest credit report, dated XX/XX/XXXX, Equifax stated that I should contact the companies responsible for the inquiries directly, rather than assuming the responsibility for verification. 
Failure to Fulfill Investigation Obligations under the FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), stipulates that when a consumer files a dispute, the credit agency must conduct a " reasonable investigation '' into the information in question. This investigation includes the requirement to contact the responsible creditors to obtain adequate verification. By not initiating this investigation and shifting the responsibility to the consumer, Equifax is violating its legal obligations. 
Obligation to Delete Unverifiable Information : The FCRA, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires that any disputed information that can not be verified must be promptly removed from the credit report. Equifax has disregarded this mandate by refusing to investigate and verify the legitimacy of the inquiries. 
Disputed Inquiries The unauthorized inquiries I requested to be investigated, which Equifax has chosen to ignore, are as follows : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX  Creditor : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Request for Intervention I request that the CFPB intervene to ensure that Equifax : Initiates the investigation of these disputed inquiries and contacts the responsible creditors to obtain verification of authorization. 
Removes the inquiries from my credit report if the creditors do not provide the required verification within the

30-day timeframe, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA. Considers imposing sanctions on Equifax for its continuous negligence in fulfilling its
legal obligations. 
I am maintaining a detailed record of all communications related to this matter and am prepared to provide any additional documentation to support this complaint. I appreciate your attention to this matter and trust that you will take the necessary steps to ensure Equifax 's compliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Auto Loan, Credit Cards, Auto insurance. from XXXX XXXX XXXX with a balance of {$410.00}, XXXX XXXX XXXX with a balance of XXXX, XXXX XXXX, with a balance of {$2300.00}, XXXX XXXX, with a balance of {$1900.00}, XXXX XXXX, with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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, credit repair services, or other personal consumer reports

ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : EXPERIAN- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXXC XX/XX/XXXX  4. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 7. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX 9. XXXX/XXXX XXXX XXXX XX/XX/XXXX 10. XXXX/XXXX XXXX XXXX 11. XXXX/XXXX XXXX XX/XX/XXXX  12. XXXX/XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX   XXXX 14. XXXX XXXX XXXX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX/XXXX XXXX XXXX  17. XXXX XXXX XXXX XXXX   XX/XX/XXXX 18. XXXX 19. XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL
Product: Checking or savings account

I am in the XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was gone for 3 months. I am not allowed to bring my phone, even if I were I was on a boat for 3 months in the XXXX XXXX. I wouldn't have had service. When I left I locked my phone and credit cards in locked box under my bed. Whej I got back they were gone and I found out my girlfriend robbed me and stole my identity. She left me with nothing. I filed a dispute with my bank right away. I called the cops and filed a report. She was arrested and found with my phone and cards on her. She made a sworn statement trying to get out of jail so she admitted to stealing from me. Chime stayed I do not qualify for provisional credit because I was to late at reporting these charges. They told me they had to follow regulate. To my understanding reguye states section XXXX that if my circumstances are extenuating then the 60 days should be extended. I would say being in the boat in the in the middle of the XXXX XXXX  on a training mission is extenuating. I just want my mohney back. She stole everything even my identity. It's been really hard having this happen. I thought chime would handle it better I trusted them. Now I'm losing that trust