23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld System Inc. placed a collection account for {$310.00} on my credit report without sending a letter to me. 

I have no knowledge of this account as it seems that Transworld System Inc. purchased this account from another creditor. Transworld System Inc. violated the FDCPA Collection Practice by placing this collection account on my credit record without notifying me in writing. 

I request that you please verify the following information:1. Full original account number. 
2. Date original account was opened. 
3. Any written agreements between myself and the original creditor stating that this debt is owed. 
4. Full account summary on how these charges added up to {$310.00} and an itemized calculation of alleged debt. 
5. Date of first delinquency. 

If Transworld System Inc. is unable to provide the above identifying account information, this information must be deleted from all CRAs. 

Transworld System Inc. also failed to follow FDCPA giving the consumer time to dispute or validate the alleged debt within the allowed XXXX-day time frame that is allowed by law. 

Thank You, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to you regarding a pressing issue concerning my PayPal account associated with the email address XXXX. Recently, I have been informed of a permanent limitation placed on my account, which I firmly believe may be a result of an error. 

I am deeply concerned about this development as it has significantly affected my ability to carry out transactions, hindering both my personal and business engagements. Since I am confident that I have not violated any of the terms and conditions stipulated in the PayPal User Agreement, the limitations placed seem unwarranted and I kindly request an immediate review of this situation. 

Over the course of my account 's lifespan, I have always ensured compliance with PayPal 's policies and rules, maintaining the highest level of integrity in all my transactions. I am therefore genuinely perplexed by this unexpected restriction on my account and would appreciate a comprehensive re-examination of my account activities leading up to this decision. 

In light of the above, I earnestly appeal for the restoration of my account 's full functionality. I trust that upon a thorough review, you will find no breaches of policy on my part, and the restrictions will be lifted. 

I am eager to resolve this issue at the earliest convenience and would be grateful if this matter is escalated to the appropriate department for a swift resolution. I am ready to cooperate fully and provide any additional information required for the investigation. 

Thank you for your prompt attention to this matter, and I am hopeful for a favorable response. 

Best Regards, [ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not a mistaken submission. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This issue is deeply concerning and has been causing significant stress and XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I am XXXX XXXX XXXX I checked my XXXX Report back in XX/XX/XXXX  and I had a collections from Amsher Collections, a business I have never engaged with. I sent Amsher Collections a validation of the alleged debt request XX/XX/XXXX  and within XXXX week of receiving my green return receipt I seen that Amsher Collections was removed from my report. I have also sent Amsher Collection an Affadavit of Facts and an Invoice for them to pay dated XX/XX/. Tracking numbers for all : XXXX, XXXX, and XXXX.
Product: Mortgage

I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!
Product: Debt collection

Online information appeared on my credit report, I never seen or heard of company in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries reported in my credit report and I have never authorized to run my credit report.
Product: Debt collection

They said they said they sent legal documents from like 7 years ago to my residences then gave me locations that I didn't even live at. Then said well there is also another person on the account and of you settle for half the amount full amount was almsoylt XXXX that they would write me a letter and go after the other person instead then said if I pay by Tuesday I can pay only XXXX instead of XXXX, would not provide actual proof of the debt from the bank listed anything I questioned they would just get rude and hang up then said well since you know everything we will just sue you I asked for actual proof even contacted the old bank and the collections department they said it is a scam, he said if we are suing you we don't have to give you proof of the debt!! Person name was XXXX XXXX with XXXX out of ca then next time I called he said he was with XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX was transferred fraudulently out of my Bank of America Edd account I reported it made a police report notarized documents showing proof that my money was stolen Ive filed complaints with the bank the denied my claim several times but I keep opening my claim back up last time I reopened my claim was XX/XX/2022 still havent got a decision this has put me in a terrible situation I had to have a program pay my rent and bills and my credit score has dropped from a XXXX to a XXXX because all my money was stolen and the bank has not been any help I even asked for hardship and was denied the this bank has ruined my life
Product: Checking or savings account

This case was closed negligently by Chase. I AM BEING CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE THROUGH A THIRD PARTY! I have a receipt from the merchant who was authorized to charge my card. JP Morgan Chase is allowing a third party to draw my account into the negative and when I filed a complaint with CFPB, I received a letter of threat to close the account. On XX/XX/2021, my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX XXXXXXXX XXXX. I paid {$190.00} ; receipt provided. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed, and they will not reopen it. I would like to see the " proof '' that Chase is referring to. I spoke with XXXX XX/XX/2021, in the Chase executive office who did the routine callback and never returned a call. If XXXX had the " authority '' to use my debit card, then why did XXXXXXXX XXXX swipe it for another amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports I noticed hard inquires that I did not make nor did I approve anyone to pull my credit report.
Product: Checking or savings account

This bank charged me {$1.00} this is ridiculous they tell customers to swipe their debit card as credit to avoid this fee this is ridiculous only bank I know Charging a fee to use your card with a pin its a secure way to Shop but they want to charge {$1.00} for every pin based transaction this should Be free I should have the right to use my money however I want without being penalized with a fee valley get rid of this XXXX  fee once and for all other banks dont charge this only you
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now
Product: Debt collection

This debt happened well over 5 years ago they changed the date after it was removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information to the credit bureaus. They are reporting that i owe XXXX. I received a copy of them selling my vehicle and it reflects a different amount. So therefore they never updated it on the credit bureaus. This violates the FCRA and is not fair to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX card has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX XXXX. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.
Product: Mortgage

I noticed a suspicious trail of mortgage emails this morning at XXXXET. I made contact with the mortgage broker, loan officer and with no success emails or phone calls were unanswered. I seen where a mortgage loan was being processed in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my XXXX federal student loans transferred from XXXX XXXX to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to XXXX on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through TransUnion ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've discovered a credit inquiry that I did not authorize and it has damaged my credit.
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 XXXX out of XXXX 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 account : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX, and # XXXX. XXXX asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

XXXX XXXX Violation : under XXXX XXXX. XXXX ( Fair Debt Collection Practices Act ) and XXXX XXXX. XXXX ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this XXXX conducted? 

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and XXXX XXXX, Phone Number, Addresses etc. 

( XXXX ) Who did you Speak to ( XXXX ) What form of communication ( XXXX ) What Day ( XXXX ) What time ( XXXX ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section XXXX ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section XXXX ( c ) : Section XXXX ( XXXX ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section XXXX : Provides for civil liability for willful noncompliance with any requirement under the FCRA. 
I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section XXXX ( XXXX ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section XXXX regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of XXXX XXXX. XXXX and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Capitial one issue - Incorrect balance - Phone calls sometimes 5 days a week twice a day or once every other day -harassment
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and concern regarding the accuracy of my personal information on file with your esteemed institution. Upon reviewing my credit report, I noticed several discrepancies that have raised doubts about the completeness and accuracy of my records. Specifically, I have discovered inconsistencies in my identification details, Social Security number, and proof of address, which I have enclosed with this letter for your perusal. I would appreciate it if you could investigate this matter and take appropriate measures to update my personal information in a timely and accurate manner. Your assistance in this regard is essential to maintain my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX Employer - XXXX Incorrect Name - XXXX XXXXXXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, MI XXXX
Product: Debt collection

Received an XXXX alert that I had a collections due against me from XXXX XXXX. No correspondence was given from XXXX via email, mail, text, phone. Amount was {$1600.00}. XXXX and XXXX are showing I owe and I don't have XXXX for any service... .it 's not even available here. I called Harris and Harris ( collections ) and they said they no longer have the account so they couldn't help me. I called XXXX and they have no record of me, no accounts, and nothing owed with my name on it. Also, no help. I have disputed the case twice on XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$400.00} using XXXX through Chase mobile app. I contacted my bank ( Chase ) immediately but was told that I couldn't file a complaint yet bc the money was pending on my account even though the money had been transferred immediately into the scammers account. When I finally spoke to Chase after hours of being on hold, they said they dont dispute XXXX transfers but gave me a complaint number. They said they would let XXXX know and see if I could get a courtesy recovery of the money. I told them I knew alot of info on the scammer bc I did my own detective work i said i wanted to file a police report and any info they could give me would help. Not even 12 hours later I get email saying my case was closed. By this time I had filed a report on XXXX website. I called Chase n explained I wanted to file a police report n needed more info, they put me on hold to another department that supposedly handles that. Over an hour on hold n hung up bc my lunch break was over. Called back next day and was told there never was another department n wasn't sure why they put me on hold. So they gave me a case number to call XXXX with but wouldn't provide a phone number. Called XXXX n they said there is no such case number. Felt like Chase gave me run around twice n closed my complaint between XXXX and XXXX without investigating anything for me. I've banked with Chase for over 15 years. When I called XXXX they told me they couldn't get money back.which I said, if you know who's account it was sent to and you sent it to them why can't you take the money out of their account. I can provide lots of proof it was scam or fraud. They said they can't n they also can't provide any of that account holders info for my police report. I begged them to at least put a stop to the scammed. So they took some information I had like email addresses, phone numbers, XXXX account info n said they would flag their account. I don't understand if we have the person name, bank, email, phone number, address how I can't get my money returned from this person. Chase said I could get a courtesy recovery. Please help because {$400.00} is alot of money to me. And I feel that Chase did nothing to help n put me on false holds and gave me false case numbers to use n wouldn't even give me XXXX phone number. 
Chase complaint # XXXX XXXX case # XXXX? 
Transaction # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
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 XXXXXXXX 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. CHAPTER7BANKRUPTCYDISCHARGED DPTEDXXXX {$540.00} DPTEDXXXX  XXXX {$10000.00} XXXX  XXXX {$3700.00} XXXX XXXX {$2600.00} DPTEDXXXX XXXX {$17000.00} XXXX {$4500.00} XXXX XXXX {$4000.00} DPTEDXXXX XXXX {$18000.00} DTEDXXXX  XXXX {$19000.00} DPTEDXXXX  XXXX {$6500.00} DPTEDXXXX XXXX {$8600.00} DEPTEDXXXX XXXX {$1500.00} DPTEDXXXX XXXX {$5500.00} DPTEDXXXX XXXX {$7700.00} XXXX XXXX {$1000.00} XXXX XXXX {$26000.00} CHAPTER7BANKRUPTCYDISCHARGED XXXX DPT ED XXXX XXXX {$6300.00} DPT ED XXXX XXXX {$500.00} DPT ED XXXX XXXX {$6000.00} DPT ED XXXX XXXX {$4200.00} DEPT ED XXXX XXXX {$8500.00}