23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PayPal held onto {$5000.00} they deducted from my account. Per their terms, they called my negative balance of ( {$5000.00} ) a deficiency balance of which they sent me collection letters. I asked PayPal both by phone and in a letter to validate the debt as a balance I owe. They did validate the debt via letter. Days later, they credited my account the entire balance because I did not owe it. Come to find out, PayPal had been holding on to the {$5000.00} the whole time. Clearly, this undermines the legitimacy of validation letters for all who use them properly. Being with PayPal for XXXX years, I had agreed to XXXX 's terms and then to PayPal by means of a negative option XXXX interface. The business model PayPal follows is one of inconvenience to consumers but extremely profitable to PayPal 's bottom line. They have " hold times '' where they put consumer money into interest accounts while the consumers pay fees and wait for as many as 180 days for the release of their hard-earned money. 28,081 consumer complaints were made with the XXXX  in only the last three years and nearly 9,000 in the past 12 months. Please see all my submitted paperwork for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX 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 TransUnion credit reporting agency , block 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 an auto loan opened with XXXX XXXX XXXX  on XX/XX/XXXX, and auto loan opened with XXXX XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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

In XXXX I was affected by XXXX 's data breach and classified as a Fraud victim and placed on the extend fraud alert. 

As stated on the FTC 's website, XXXX 's website and the CFPB 's website : A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer 's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. XXXX FAILED TO NOTIFY OTHER CREDIT BUREAUS which led to my information being compromised yet again. I put a Security freeze on my accounts.

Under the 15 USC 1681b- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) in general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 US Code 1681b Permissible Purposes of consumer reports I never gave you any written consent to report.

Reporting inaccurate personal information on all 3 reports after I requested that the information be removed. I sent letters to all 3 agencies asking for this information to be updated and I will follow up with another letter regarding this issue.
Product: Checking or savings account

On XX/XX/year> I deposited {$15000.00} to my Marcus account from my old bank account that I was closing around the time. After looking up reviews on Marcus I learned that theyre not that good to their customers, so I tried to transfer out my money to my XXXX  XXXX saving. After trying the transfer Marcus temporarily locked my account on XX/XX/XXXX and reversed the transfer, Since then Ive been going back and forth for over 6 months now trying to get my money back. I was first told that they will send the money in a check back in XXXX and never received anything, now its XX/XX/year> and I was told today first that my money was sent to the treasury, I contacted the treasury and filed a claim and notice the money wasnt there. So I called backed and they told me out their own month that they still might have my money and that they I will have to contact in 3-7 business so they can open my account back up. This is completely ridiculous Im tired of the lies and the run around I just want my money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I have called Ace Cash Express they have no record of this payday loan and when I call corporate no one answers and no one can give me any information about this payday loan. Please I need this to be deleted off the state data base because ACe Cash Express is the one that filed to the florida state data base that this payday loan from XX/XX/2006 has been unpaid. This is incorrect please help I have filed a complaint already on the Florida office Finacial I get no response from anyone they cant tell me anything all I know is I need this to be deleted of the Florida state data base ACE Cash Express inc ( Also known as Populous Finacial Group, inc XXXX XXXX XXXX XXXX XXXX XXXX Payday loan XX/XX/2006 Amount {$500.00}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX INQUIRIES : XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE 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 XXXXEQUIFAX ACCOUNT 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: Debt collection

X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two separate handwritten, certified letters to Transunion. The first was received by them XX/XX/2022. I disputed a charge listed on my report that is not validated. I sent a second certified letter that they received XX/XX/XXXX, and they still have not removed the unvalidated charge. 

The charge has not been fully verified whatsoever. Transunion did not send the requested original contract I am purported to have entered into with the company listed on my report in error. 

Please help me make this correction, and either make sure that Transunion follows the rules they are required to by federal lay ( providing me the original contract with the debtor listed ), or deleting it from my report- also required by law if they do not comply with validation of the debt. 

Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) XXXX  XXXX - 17 late payment reporting including 6 months of being reported as XXXX Equifax XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting XXXX To Equifax they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Product: Debt collection

i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor
Product: Debt collection

I was looking at my credit when I noticed a XXXX XXXXXXXX credit card opened XXXXXXXX XXXX XXXX on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards
Product: Checking or savings account

I got my bank account information changed so I can not see the past records, all of this is off memory and what I was told. In the middle of XXXX I went out and lost my debit card for about XXXX minutes at the club but the bouncers were able to retrieve the card. Since they were able to find the card I didn't think anyone stole my information but I threw my card away anyways. In the last couple weeks of XX/XX/year>, there were transactions of {$16000.00} and {$9000.00}. A week later navy federal took {$16000.00} out of my bank account because they noticed it was fraud. A couple days after Navy Federal reported the fraud there was a transaction by XXXX XXXX in Georgia that took money out of the atm. There was also a Navy federal wire transfer in her name that took out another portion of the {$4000.00}. My account also said that the fraudulent person used cashapp to transfer {$3000.00} as well. At that point I had the same amount that was in my account before the fraudulent actions occured. A couple days later Navy Federal noticed that the {$9000.00} was a fraud and took an extra {$9000.00} out of my account. So I was in the negatives. I called navy federal to try to get the charges disputed and get my money back because the transactions obviously show that the atm transactions were done in a different state than I were. Its been over a month and I still haven't gotten my claim disbuted. I have no way in accessing my money, No way of getting another debit care, no way of getting money out of the many. At a point of time they kept taking money out of my account to pay for the fraudulent actions that I DID NOT participate in. I am currently still trying to get my money back but they " claim '' that they have me in line to get my claim looked at but that was XXXX weeks ago. Everytime I call they say the same thing. Can someone please help me get my money back. I have to pay bills and be able to live. They were able to refund me everything but the {$3000.00} and {$1000.00}.
Product: Mortgage

Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.
Product: Debt collection

Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.
Product: Credit reporting or other personal consumer reports

The auto loan XXXX is showing closed with a balance. My report is suffering from this. I paid this account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX, Equifax and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
Product: Credit card

On XX/XX/year>, I received an email from my credit card issuer, Barclay Bank, informing me that the bank had put a " block '' on my card. They claimed that I was " in violation of the USA Patriot Act. '' ( Despite asserting that they had " tried to reach me many times, this was the first notice I received. ) When I called the issuer, they explained that they wanted me to update my annual income. I told them that I was not applying for a card, requesting a credit limit increase, or seeking any other service or product that would justify such a demand for income information. I also explained that I do not wish to provide my income information, given that such information is frequently sold or otherwise used for marketing or sales purposes. I spoke to both a customer service representative and a manager, both of whom insisted that I had to comply with the income disclosure or I would be unable to use my card. To the extent it matters, I have had this card for many years and have never missed a payment or had any other issues that might prompt a request for income disclosure.
Product: Checking or savings account

Not sure they closed my account and my paycheck was frozen causing my other bills to be late. My check was finally deposited after 7 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX Auto This account is listed as being 30 days late on XX/XX/22 and XXXX.I have never been late on this account. 

XXXX XXXXCharge off/Late I have never been late on this account
Product: Debt collection

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX XXXX exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation.

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt.

Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below.

Defamation of character Negligent Enablement of Identity Fraud Damaged credit worthiness Damaged mode of living Infringed on right to privacy Fair Debt Collections Practices Act 15 USC 1692g violationsFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] cc : FTC cc : State Attorney General cc : CFPB cc : CFPB SUPREME COURT cc : Lafayette County Circuit Judicial District Court cXXXX : Attorney : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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.