23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I acted as a liaison between two individuals whom I do not know at the behest of a friend who is friends with one of these parties. A man from XXXX wanted to send money to his fiance living in XXXX. There was no XXXX XXXX nearby for him to access and PayPal does not operate in XXXX. He made three PayPal deposites into my PayPal account ; {$100.00}, {$120.00} and {$100.00}. I deposited these transactions into my bank checking account and then used my debit card to foreward each transaction via XXXX XXXX to his fiance in XXXX who my friend knows. The money was picked up. 
Days later, the man in XXXX Filed a claim to PayPal that he had not received the " merchandise '' that he ordered from me and PayPal settled in his favor for the amounts of {$100.00} and {$100.00} plus fees. PayPal ruled in my favor for the {$120.00} transaction. 
I have made several attempts to dispute these claims against me but PayPal is very difficult to work with. I have sent all the proof necessary. They will not look at these transactions in totality.. They will only judge them individually and can't see this as a scam. The fiance got her money and the man in XXXX got two of his transactions refunded to him. He likely " gamed '' PayPal 's system which favors the " buyer '' Im XXXX years old and have a great deal of trouble navigating PayPal 's Website and the people on their chat help line are inexperienced and follow a company protocol and are unable to help me. 
Perhaps you can.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX **Subject : Dispute of Collection, Negative, and Late Accounts - Request for Removal ( 15 U.S.C. 1692, 1681, 611, 623 ) ** Dear TransUnion Dispute Resolution Team, I am writing to dispute the accuracy of certain negative items, including collection and late accounts, that appear on my XXXX credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and related sections ( 15 U.S.C. 611 and 15 U.S.C. 623 ), I am formally requesting verification, a thorough investigation, and removal of any unverified accounts. 

# # # Account Information Below are the disputed items 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 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 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 1
. **15 U.S.C. 1692 ( FDCPA ) ** : Debt collectors are prohibited from reporting inaccurate or unverified information. I request documentation validating each accounts balance, date, and reporting accuracy.

2. **15 U.S.C. 1681 & 611 ( FCRA ) ** : The FCRA mandates that credit bureaus only report verified and accurate information. Under Section 611, I request a comprehensive investigation and documentation verifying each negative item.

3. **15 U.S.C. 623** : This section requires furnishers to report only accurate information. I request that TransUnion ensure each account complies with this regulation by confirming the data with the furnisher.

# # # Requested Actions 1. **Verification and Investigation** : Please verify each account listed above and conduct a full investigation into their accuracy. If documentation proving their validity can not be provided, I request that these accounts be removed from my credit file permanently.

2. **Cease Collection and Reporting of Disputed Items** : While investigating, I request that TransUnion cease collection and reporting activities for these items, as continued reporting of potentially inaccurate information harms my credit.

3. **Written Findings and Confirmation of Removal** : Please provide me with written confirmation of the results of your investigation. If verification can not be provided, I request immediate removal of these items.

I have enclosed copies of my identification and a recent utility bill for identity verification.

Thank you for your prompt attention to this matter. I look forward to a timely resolution and removal of any inaccurate, negative, or late accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

According to the Family Educational Rights and Privacy Act my student education records are to be privately protected. Per the 15 U.S. Code 1681 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Equifax have violated my right to privacy by furnishing information to the Department of Education. In accordance with 15 U.S Code 1681 ( b ) permissible purposes of consumer reports my written consent is needed to add anything to my consumer reports. This is a violation of the Fair Credit Reporting Act. Any and all consent to the U.S Department of Education as well as Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' Equifax, XXXX, and XXXX are not maintaining reasonal procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the Equifax Data Breach and the XXXX DMV Data Breach, which exposed all of my personal information as a XXXX resident. I'm XXXX XXXX XXXX and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX  Inquiry date : XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 I have no account with the companies below, and the identity theft inquiries are as follows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX XXXX {$17000.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

A kohls capital one credit card was opened in my name on XX/XX/year>. This was the first of many attempts to open credit cards in my name. I disputed all others and all others were found to be fraudulent. I then froze my credit to ensure no others could be opened in my name. I had understood that this card had been resolved, but it was used sometime in XXXX. I realized this when my credit score dropped XXXX points for a late payment I didnt know about. I dont even have a way to pay the bill off if I wanted to. I dont know what else to do, I cant get through to anyone to even cancel the card. I will be taking this to the police as soon as possible as well. Please help. This isnt my account and my credit history shows that Im never late on any other accounts and never have been.
Product: Credit card or prepaid card

XXXX and XX/XX/2020 when the pandemic first hit I was diagnosed with the XXXX XXXX and I moved with my sister because I was sick and due to me being Ill I wasnt thinking about any bills I was trying to keep from dying. My sister paid my bills not knowing the amounts because I moved and we didnt have a bill to even pay. I asked due to me never being late beside those 2 months I asked for Macys to remove the 2 late fees because I had XXXX and I never received a bill. Ive never missed any payments and I pay all my bills on time and never been late with Macys. Im in the process of trying to purchase a home  and Im requesting that the 2 late fees be removed due to me being sick during a pandemic
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian, XXXX and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved with a {$4000.00} credit line with the company in XX/XX/2022. I took a total of {$3900.00} in XXXX advances from this, with the last advance taken out on XXXX XX/XX/2022. I have continued to make payments but due to financial hardship, my account has late payments with a past due balance of {$1600.00} carrying over from several months ago, still 69 days past due as of XXXX. I have been making {$400.00} payments every other week. As of XXXX, I have repaid approximately {$9200.00} and a significant portion has gone towards finance fees I did not expect to get this out of hand. I was told this XXXX  that I have a remaining principal balance of {$2900.00} and an early payoff option for {$4800.00}. If I paid it off XXXX, I would have paid approximately {$15000.00} for {$3900.00} borrowed and this repayment plan is causing my family considerable hardship. I was told that the fees and balance would continue to grow if I continue making payments as scheduled and that collection efforts would continue. I do not see any way to ever resolve this without protection from the company 's exploitative and usurious practices.
Product: Debt collection

I closed an account with  XXXX  in  XXXX   XXXX  due to moving out of their service area. The final bill was paid and  XXXX  confirmed at the time of closing that no amount was owed.     I received a notice dated  XXXX   XXXX ,  XXXX   (  14 months after the account was closed ) of an attempt to collect a debt by  " Cre  dit Protection Association  XXXX LP '' (  CPA ) at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Texas,  XXXX . They claimed  XXXX  had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account.     I called  XXXX  and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the  XXXX  agent said she would n't have that in her file ; I had to talk to the collection agency.     I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to  XXXX , they said I needed to talk to  XXXX  directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam.     I called  XXXX  again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 )  no debt was owed when I closed the account and they never turned any amount over to a collection agency  3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted  4 )  they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that  XXXX  does n't use  CPA, there are typographical errors on the collection notices and the envelope has a generic file number,  all of which point toward a non-reputable practice.
Product: Debt collection

7 years ago I filed a complaint about XXXX, XXXX & XXXX of XXXX Florida. They sent a garnishiment notice or some sort of file to collect a debt I no longer owe. My bank account was seized for full payment of a debt of {$3700.00} ( approximately ) the new letter says I owe XXXX. ( approx ). I see in this portal that they replied to your office about a debt, but they never contacted me again. The debt was in XXXX. The payment was withdrawn in XXXX from my bank account. And then all the fraudulent mail started and stopped in XXXX. My former employer contacted me to inform me that not only did they reach out to a company I never worked for, they are lying about the amount I owe and why. I have asked for documentation of the amount due and have not received a single document in 7 years. And now this " garnishment '' to a company that is owned by my former employer and never worked for? This is a scam again. How are these people still in business?
Product: Bank account or service

On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Bank of America . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Bank of America 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Bank of America at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Bank of America and the other from a third party I was routed to by Bank of America who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Bank of America account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Bank of America Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Bank of America. I would not want to jeopardize this relationship.
Product: Student loan

On XXXX/XXXX/2017 after repeatedly advising Navient reps to stop calling every five minutes the following letter which will offer CFPB insight into my issue with this company. Dear Sirs, I have a loan with Navient, originally with XXXX XXXX. My loan came out of deferment the same week I lost my job. I advised Navient I had no resources to pay and asked to extend my deferment. My co-signer could not assist with the payments. XXXX XXXX was not aware she was a co-signer and she lives on a SSI fixed income. I will graduate by EOY and expect to find viable income and had planned to set up some type of affordable payment arrangements with Navient to satisfy my debt, BUT in light of the fact that Navient has terrorized me and my elderly mother I am now determined to seek solace from the Navient with the help of CFPB. Navient call our home and cell phones 7 days a week beginning at XXXX in the morning until XXXX at night. A print out of our cell phone bills and house phone shows that Navient calls back to back within minutes. The phone records also show that the calls per day are at minimum 10 times per day even when we speak to a rep. One Navient rep informed me that Navients phone lines are not linked therefore they can not see each other 's notes. Supposedly each office is independent and not aware when another office makes customer contact! Huh? Another Navient collection tactic is they use many many different numbers. I started creating a new contact for every Navient call. I am now up to 5 contact numbers. This is harassment in the highest form. I worked collections for 3 years and was extensively trained in FDCPA rules and Navient has violated every rule. I am forwarding this letter to every credit and government agency and the BBB. No one should have to suffer collection efforts ALL day EVERY day. Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to furnish a account that is not mine and I have had this deleted from XXXX and XXXX due to the fraud. If sent any numerous of letters showing stating the fraud.
Product: Vehicle loan or lease

I dont recall the dates I just had issues as far as extra fees. The car was involved in a car accident and they werent working with us very well regarding payoff. Also being behind in payments going through a hard time there was extra fees charged.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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

My personally identifiable information, including my social security number, according to Experian, was stolen from their system. The had set up a website for consumers to check and see if their data was on " the dark web ''. They required me to put in my name and part of my SS #. When it came back indicating I was a victim I clicked on a link to go to their free credit monitoring and insurance site that only provides one year of coverage for free. The enrollment requires me to waive my right to sue and to commit to arbitration. 

The loss of my social security info is a life long exposure to credit fraud and the one year of protection is inadequate. I do n't want to enroll in their service, which I believe they are required to provide, because of the waiver. I understand the waiver is not related to the current breach but to the service they provide under the monitoring and insurance. It is a huge disadvantage for me to have to arbitrate with them if they screw up again on the monitoring or insurance. I need to have the right to be in a class action suite if there are issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting twice on my credit reporting once through XXXX WITH XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX of XXXX covid happened they would not work with me and charged late fees consistently which is considered information to character and livelihood15 USC CODE1681e compliance procedures 15 USC Code 1681 0 civil liability for negligent noncompliance 15 USC 1681n Civil liability for wilful noncompliance