23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery Company ( XXXX XXXX XXXX in XXXX, Florida XXXX, physical address XXXX XXXX XXXX, XXXX, Florida XXXX ) reported to the credit bureaus that I owe {$100.00} to XXXX XXXX  XXXX, XXXX. My bill was actually for $ XXXXwhich    I just paid. I tried contacting them but could not get through. They need to remove this incorrect balance ( which was just paid ) from the various different credit bureaus. I looked this company up on XXXX and they have a one star rating, leading me to think they are involved in fraudulent and possibly illegal collection activities. I have copied and pasted the receipt of the bill I paid ( which was for {$64.00}, not {$100.00} ). 

They also have NEVER attempted to contact me, or even sent me a bill in the mail. Thank you! Under this receipt I copied and pasted what they send to the credit bureaus. 

We received your recent payment to XXXX XXXX XXXX XXXX. 

Confirmation # : XXXX Payment To : XXXX XXXX XXXX XXXX Account : XXXX Payment Amount : {$64.00} Payment Date : XX/XX/2019 XXXX XXXX XXXX XXXX WHAT WAS REPORTED TO THE CREDIT BUREAUS accountnumber XXXX Creditor 's Name ENHANCED RECOVERY COMPAN Type of Industry Other Collection Agencies Address XXXX XXXX XXXX, XXXX XXXX FL XXXX Account Balance XXXX Payment Status Collection/Chargeoff Creditor 's Preferred Contact Method Other Consumer Statement Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$56.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off XXXX balance update is XX/XX/XXXX XXXX is reporting a balance update of XX/XX/XXXX and Equfax is reporting a update balance on XXXX is also reporting a high balance of {$430.00} and equifax and XXXX doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXXXXXX XXXX XXXXXXXX is being reported as charged off XXXX  balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and equifax is reporting balance update XX/XX/XXXX tyransunion is reporting a high balance of {$1000.00} and equifax and XXXX is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting balance update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX Eqifax is reporting balance update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors 4. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on XXXX XXXXXX/XX/XXXX transunion is reporting a balance update XX/XX/XXXX and equifax is reporting a balance XXXX XX/XX/XXXX XXXX and XXXX are reporting a past due balance of {$2900.00} equifax is not reporting this XXXX. XXXXXXXX XXXX XXXX XXXXXXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reorting a past due balance of {$520.00} XXXX is not reporting this information XXXXXXXX XXXX XXXX XXXXXXXX is reporting as charged off XXXX is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX equifax is reporting balance update on XX/XX/XXXX equifax and XXXX is also reporting a past due balance of {$1000.00}
Product: Credit reporting or other personal consumer reports

I sent a validation cease and desist letter to the Fair Collections & Out ( FCO ) company and to XXXX XXXX XXXX company. About an inaccurate debt that is on my credit report. I have proof and a track record of payments being made and on-time. I have disputed on numerous occasions.
Product: Mortgage

Mortgage loan company pulled a hard credit check without our consent. Company being uncooperative. 
Date : XX/XX/2022 Company : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account NumberXXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the 3 credit bureaus letters dating back from XXXX and in XXXX and still heard nothing from anyone of them. I am reaching out to you because I need help before I take legal action. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX has not provided sufficient validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they have failed to supply the necessary documentation to substantiate the legitimacy of this debt. This lack of proper validation and verification represents a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call from a credit union that was trying to verify my information for a large loan. She then explained there appeared to be MANY other recent inquiries. All of which were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ).

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, 599 F.2d 341 ( 9th Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within XXXX ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.
Product: Credit card

I am getting emails every week about my PayPal account and that I have been charged a certain ( large ) amount on my PayPal credit card. I have PayPal account and I have not been charged but these emails are trying to get me to call them to complete the charge for opening a business PayPal. They are trying to scam me. They are sending it to my old email address. Here is one example : " Subject : welcome to paypal! 
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your request to open your Paypal Business account is processed. 
This account has been verified on your SSN and you can now accept credit card payments without hassle. We have charged merchant fees of {$640.00} from your checking account .It will reflect on your bank statement in XXXX hours.

If you haven't signed up for Paypal Business call immediately at XXXX as this may be a case of identity theft. 
Team Paypal Business XXXX Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Paypal invocie Date : XXXX, XXXX XX/XX/2023 XXXX XXXX ( UTC ) From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX. 
You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Thank you for being Paypal 's customer! 
Date : XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences
Product: Credit card or prepaid card

I have a promotional balance of 0 % on my account. Before making additional purchases I called, on or around XXXX XXXX, to verify how additional purchases and subsequent payments would be applied ; wanting to maintain my 0 % and avoiding additional purchases to be subject to interest charges. I was informed that any amount paid above the minimum due would reduce the balance subject to interest charges first. At the time my due date was XXXX and the minimum due was {$58.00}. With this information I proceeded to make make purchases totaling {$5400.00}. 

On XXXX I made a payment of {$1900.00} and on XXXX a payment of {$3600.00}. These two payments total {$5500.00} clearly more than the minimum plus purchases. When I received my statement on XXXX my balance related to the 0 % promotional rate have been reduced and I had a balance of {$1400.00} that was subject to interest charges. I called customer service to get and explanation and I was told that this is how it works and they could do nothing about it. I explained that I had called to verify before making the purchases and was told any amount paid above the minimum due would reduce the balance subject to interest charges first. They said sorry but that was wrong and they could do nothing about it. I tried to get an explanation on how the payments were applied give only a portion of my purchases were subject to charges and I was told that is the average for the period.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX began using PayPal on XX/XX/2022 to accept payments from our clients ( small businesses ) to provide an online cybersecurity consulting service. Our clients, through our platform take a cybersecurity gap assessment which consists of ( XXXX ) domains and ( XXXX ) controls. The client interacts with our cyber experts ( virtual sessions ) during the process to complete their gap assessment and receive a cybersecurity pathway ( document, with questions and responses ) and how to close their cyber gaps for the fee of {$1000.00}. Since the account was set up, we have had ( XXXX ) companies and ( XXXX ) test run using PayPal. Our first client paid on XX/XX/2022 and the last client paid on XX/XX/2022. Which we have not been able to transfer and of funds. We had ( XXXX ) calls with Paypal customer service. During the first conversation they stated since the account was new, they needed to hold the funds for a period of time. Then without any notification they asked for screen shots, banking information, and personal information on the company owner to validate the legitimacy of the company. We complied and still not release of the funds. On XX/XX/2022 we spoke with a XXXX ( XXXX ) who said the account seemed to have what it needed and escalate it to his back office. It may take ( XXXX ) day for a resolution. XXXX has not released any of our funds. 




Sorry, something's not right. Please try again later. 
Go Back MESSAGE : 1 After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal MESSAGE 2 : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

MESSAGE XXXX : Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

FINAL MESSAGE : Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX
Product: Credit card or prepaid card

First Bank of Omaha continues to lower my credit limit as I make payments on the credit card that was issued to me by the institution. The policy negative impacts my credit score because it continually show I have a high credit utilization rate.
Product: Credit reporting or other personal consumer reports

This information is factually incorrect and does not reflect my actual credit history or payment behavior. I am requesting that you investigate this matter immediately and remove the erroneous data from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

INQUIRIES : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX 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 Delete all inquires
Product: Credit card or prepaid card

Thursday morning on XX/XX/XXXX I go to access my account. It has all my funds on it roughly over, XXXX dollars on it. All of sudden i go to the atm and it says unable to use card at this time. This EPPICard company has placed me on hold for 5 hours and no one has picked up the phone. Im on a trip and Im basically stuck.
Product: Money transfer, virtual currency, or money service

Trying to send money to XXXX  relatives XXXX XXXX XXXX. Transfer has been held up for over three weeks, showing " We're running some checks. '' Customer service says this is standard and will take 10 business days at most, which have already passed. Refuses to furnish more details, unable to cancel. Looks like it'll be held up indefinitely.