23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted via email by myFICO credit monitoring services that a new debt collection had been added to my credit report. Upon further investigation, the debt collection was from a XXXX XXXX XXXX in the amount of {$400.00}, reported to Experian Credit Reporting Agency XX/XX/XXXX and posted to my Experian credit report XX/XX/XXXX. I had never heard of this company nor ever received any information from them on any debts due so immediately was concerned of fraudulent activity or possible stolen identity and person information. Upon XXXX XXXX XXXX opening XX/XX/XXXXXXXX XXXX, I spoke with a representative XXXX XXXX? ) to request more information on this account being reported to credit bureaus that I had no knowledge of. I was unable to gather more information on the account without giving them more of my personal information. I provided my name and current address. I was informed the debt was from XXXX for medical bills. While I do have XXXXXXXX XXXX, the concern underlying is that I have been to XXXX on multiple occasions the past several years for both myself and my children and to my awareness, my accounts have been paid in full. XXXX XXXX was also infomed that I had received no communications for this debt I was attepting to collect. I was told that letters had been sent to my address however I never received them if they were actually sent. Additionally,, I have been in bankrupcy from XXXX XXXX XXXX, so I find it interesting that right after my case has been discharged and closed, these issues are suddently arising. I have been very diligent about paying all my bills throughout bankruptcy as it was a condition of my bankruptcy to not accumulate new debt. Had I become aware of bills that may had been overlooked, I would gladly pay them. I request XXXX XXXX please send me information surrounding this debt as I had no knowledge of this account or need to pay it. As mentioned previously however, my accounts are noted as paid in full with XXXX and I've had multiple clinic visits with them over the past several years on/off. 

Upon further investigation of XXXX XXXX, I noted several other consumer complaints XXXX XXXX XXXX XXXX about their illegal practices to immediately report debts to credit agencies, specifically regarding XXXX XXXX, prior to even making attempts to contact the consumers. Given this information, I too filed a dispute with the XXXX that's still under investigation as well as disputed this illegally reported information to experian credit reporting agency. On XX/XX/XXXX I was informed by dispute was not reversed on my credit report as XXXX XXXX was reporting the debt as valid. It is against the law for a debt collector to report to credit bureaus prior to contacting the consumer. I had no awareness of this debt or debt collection activity for if I did, I would have immediately made attempts to settle it with XXXX or the collection agency. 

I have no documents to attach pertaining to this matter as the debt collection agency XXXX XXXX has not sent me one letter or email as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 Amount : XXXX XXXX : Experian - XXXX  Tried to get my free credit report. Instead I was taken to a page where I was asked to sign up for a subscription. Tried to use the option to get credi scores from all three reporting agencies. I was presented with three scores which I took to be mine until I noticed a half-tone note at the bottom that said sample report. No way to get the free report, just subscriptions that charge monthly. Very deceptive, and I almost fell for it. XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I purchased an item for my car from a website XXXX which is based in XXXX and accepts paypal payments. I waited patiently from this merchant to ship my item and they kept delaying the shipment with comments such as we will ship out next week then the following week no update or response. So on XX/XX/2020 I filed a dispute on Paypal that the seller never shipped my merchandise or gave me a tracking number as promised. I also told the shipper not to send the item any more since it was too late and I no longer needed the item from them. 

Surprisingly on XX/XX/2020, I received update from the paypal dispute resolution department that stated the merchant provided a tracking number. This tracking number the seller provided was fake, and had no status even as a pending shipping. The seller is trying to defraud me by giving a false tracking number since you can not give a tracking number that doesn't exist in any of the known shipping companies. 

I went to look at what my recourse is for this situation and looked up the seller and found multiple sources such as this review site that says the merchant is notorious for scamming people and failing to send the items they promised to as part of a sale. 
XXXX XXXX XXXX The question I raise is twofold here : 1. How am I protected and able to get my money back if this tracking number is indeed false. Even if they ship me something, now that I had filed a complaint as the seller failed to give a tracking number, the resolution process is simply allowing the seller to provide a tracking number to cover his end, and that still leaves me vulnerable to being a victim of fraud by not receiving what I expected or there would be no option to open a new dispute if the item isn't what I was expecting. 

2. Why is paypal allowing this seller to continue using their services if it has been established that several customers have been defrauded by the seller in the past?

I am asking that paypal resolves this issue in an expeditious manner since I have already been waiting for over 3 weeks to get to this stage, and they are giving a response of XX/XX/XXXX to determine the outcome of the investigation. 

Based on other sources I found online, it appears that many fraud sellers are taking advantage of this loophole in Paypal to provide fake tracking numbers simply to get paypal off the seller 's back to steal customer funds. 

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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.
Product: Debt collection

Tried to contact Macys in reference to an account open under my name without my permission or knowledge, already send documents over a month ago and they ignored my correspondence and Refused to delete info of my credit file.
Product: Checking or savings account

The incident occurred on XX/XX/year>. A unauthorized transaction was made on my account for a withdrawal for {$800.00} that wasn't authorized. I was told by Sofi that it was from an authorized device and wouldn't tell my anything. I was hung up on and was told to stop calling about that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Debt collection

CFPB Complaint for Debt Collection Abuse Please note : I can not provide legal advice. This is a template to get you started. You may want to consult with an attorney to ensure your complaint is accurate and reflects your specific situation. 
I. Introduction I am writing to file a complaint against the XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXXXXXX XXXX  XXXX '' ) for violating the Fair Debt Collection Practices Act ( " FDCPA '' ). I am disputing all debt that XXXXXXXX XXXX XXXX XXXXXXXX claims I owe. 
XXXX. Details of the Alleged Violation Disputing the Debt : I have no knowledge of this debt and believe it is in error. 
Lack of Communication Preferences : I revoke all consent for XXXX XXXXXXXX XXXX XXXX to contact me by phone, email, text message, or any other means. 
Debt Validation : I request written validation of the debt, including the original creditor, amount of the debt, and a breakdown of charges. 
Purchase Agreement : If applicable, I request a copy of the purchase agreement between me and XXXX XXXX XXXX XXXX. If Licensing and Bonding : I request proof that XXXX XXXXXXXX XXXX XXXXXXXX is licensed and bonded, as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ).

Fair Credit Reporting Act ( FCRA ) Violations : I believe XXXX XXXXXXXX XXXX XXXXXXXX has violated 15 USC 1681s-2 ( 7 ) ( a ) by failing to provide proper notification and opportunity to dispute the debt. 
HIPAA Violation : I have not consented to anyone sharing my medical information with XXXX XXXXXXXX XXXX XXXXXXXX. This is a potential violation of the Health Insurance Portability and Accountability Act ( HIPAA ) 1681a ( 4 ). 
XXXX XXXX : I never received the required five-day notice before collection activities began. 
XXXX. Request for Relief I request that XXXX XXXX XXXX XXXXXXXX : Cease all communication attempts. 
Validate the debt in writing. 
Provide a copy of the purchase agreement ( if applicable ). 
Furnish proof of licensing and bonding. 
Correct any inaccuracies with credit reporting agencies. 
Remove any reference to medical information from their records. 
IV. Response Time and Notice I expect a response from XXXX XXXXXXXX XXXX XXXXXXXX within 15 days of receiving this complaint. Please be aware that your silence will be considered an admission of guilt. 
V. Additional Information [ Attach any relevant documents here, such as copies of communications from XXXX XXXXXXXX XXXX XXXXXXXX ] Please note : I am unaware of this debt and have not had a fair opportunity to dispute it. I request a certified receipt with my signature for this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX Email : XXXX XXXX
Product: Debt collection

In XXXX of 2023, Trinity Financial Services ( TFS ) filed for foreclosure on my property. Through deed research and speaking with the TFS attorney, XXXX XXXX, it was determined that the property had a lien on it in error. The foreclosure was then dropped and filed on XX/XX/year>. The issue with this is that TFS has never issued the XXXX release of my property. I have called them several times trying to get this released and spoke with a supervisor named XXXX. After calling them for approximately 4 months, and being sent to XXXX 's voicemail several times, the only information I was getting was that it was sent to the legal department. I can not move forward with building a house on my property until I have a XXXX title due to lending agencies requirements. It has been plenty long enough get this sent. 

The property that was foreclosed on is XXXX XXXX XXXX. The paper work included my property description in it in error. I am specifically stating this because this is what XXXX used to look this cases information up. They said they had noted the account with my call ins. 

Any more information needed, please request. I likely have it already through my discussions with the bank who put me in this position and different attorneys.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to the CFPB regarding inaccurate information on my consumer report. Experian is reporting information based on a contract with XXXX XXXX XXXX XXXX that was rescinded on XX/XX/XXXX. Despite the contract being rescinded and providing the proper documentation as proof, the Experian continued to report the account as active, which is negatively impacts my credit score. 

Experian has conducted a sham investigations that failed to properly address my dispute. Resulting in serious consequences as the inaccurate and false information on my report has threatened my access to credit, employment, and housing. Seriously injuring my family finances. 

When handling my dispute, Experian used faulty intake procedures and did not accurately convey all relevant information about the dispute to the original furnisher. Experian routinely and uncritically accepted the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, and Experian had the information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian provided a response through the CFPB portal that failed to inform me of the investigation results, and instead provided information that was confusing, ambiguous, incorrect, or internally inconsistent. ( Please review complaint number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to published XXXX XXXX XXXX XXXX on credit report. I've sent certified letters and continue to place on the credit report.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I obtained a mortgage with Fifth Third Bank. At that time they required I have flood insurance. 

In XX/XX/XXXX I had an elevation survey performed by an engineering firm and filed documentation with XXXX who approved removing the flood zone from this property. I sent all of this information to Fifth Third bank in XXXX. 

In XX/XX/XXXX, I called and asked for an update. They asked that I resubmit the documents. I did this and they said it was under review. 

In XX/XX/XXXX I called and the bank stated they did not know the status of the flood status on this property.
Product: Checking or savings account

On XX/XX/XXXX I noticed multiple fraudulent accounts opened without my knowledge with these banks : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$13000.00}. 

The XXXX  XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$200.00}. 

The XXXX XXXX XXXX  account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$4000.00}. 

The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$31000.00} The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$2000.00}. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX : XXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX New York XXXX XXXX Country : United States of America case number : XXXX XXXX XXXX Unauthorized Transfer fo XXXX and XXXX from Coinbase to unknown address : Tuesday, XX/XX/XXXX, XXXX PM XXXX. XXXX : XXXX : Unauthorized XXXX via XXXX XXXX XXXX XXXX. XXXX XXXX : Unauthorized XXXX  via XXXX XXXX To : XXXX my wallet address : XXXX Recipient Wallet Address : Unauthorized XXXX
Product: Credit reporting

I have contacted Experian on multiple occasions to remove incorrect information from my credit report. They have refused to update. I expect them to remove inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXXY XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.