23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My place of employment received a call from a XXXX XXXX from XXXX XXXX, XXXX, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX XXXX XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from Spot loan ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.
Product: Debt collection

On XX/XX/2019 I contacted the PHOENIX FINANCIAL SERVICES LLC regarding the debt of {$280.00} that I owed. I paid {$120.00} and at the end of the conversation I was told that the debt was settled and paid in full. When I asked how long it would take to be updated I was told it would be removed from my credit report no later than XX/XX/2019. It has been nearly two months and it has not been removed from my credit report and it is still listed as an active account when it was paid in full in XX/XX/2019. The confirmation number for this transaction is XXXX.
Product: Debt collection

Received a call on XXXX at XXXX am from XXXX ( XXXX ) XXXX XXXX XXXX looking for a family member. They should not be contacting me. I dont know how they received my contact information as I am on the do not call registry. Additionally he was verbally abusive and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My morgage was XXXX until XX/XX/2022, suddenly in XXXX they raised me to XXXX, arguing that they contacted my XXXX XXXX XXXX and the XXXX XXXX, saying that they did not answer them, so they put me forced insurance, which increased my morgage payment, despite the fact that my townhouse had valid insurance. 
I made the claim and they froze the payments until the problem with the insurance was fixed, it was on XX/XX/XXXX that the person told me that my late payments would not affect me nor would they charge me a late fee and that it would not affect my credit, which which was not true, since XXXX reported that I had not paid my fees, when they were under investigation for the payment of escrow. 
Check my bank accounts and my credit is too good XXXX now down to XXXX, which seems unfair to me since I was not to blame for all this, I think the problem lies in them not communicating with the relevant offices. 
I talked to XXXX managers but they refuse to help me fix it and say that they only reported it in XXXX, which is a lie, they already reported it since XXXX. 
I ask you to help me since this company promised to fix it but they are not doing anything, and the injured party is me. 
To finish and I will be able to show that since I did the refinancing I never had any delinquency or delay, which they can show with themselves.
Product: Money transfer, virtual currency, or money service

**Subject : Formal Complaint Against PayPal Unfair Account Limitation and Withholding of Funds** Dear CFPB, I am writing to formally file a complaint against PayPal regarding the unfair limitation and permanent disabling of my account. My account was recently limited and subsequently disabled without any clear explanation or justification from PayPal, despite my adherence to their terms of service. 

There are XXXX significant amounts, {$400.00} and {$600.00}, currently held in my PayPal account, which I am unable to withdraw. These funds are essential to me, as they are urgently needed for an upcoming health-related surgery. Being denied access to my own money, especially under such critical circumstances, has caused severe financial distress and emotional strain. 

I have attempted to resolve this issue directly with PayPal, but their support team has been unhelpful and has not provided a satisfactory resolution. Their actions in limiting and disabling my account without explanation, and withholding access to my funds, are unjust and unacceptable. 

I am requesting your assistance in facilitating the release of my funds and holding PayPal accountable for their actions. I believe that PayPals lack of transparency and failure to provide proper customer service is unethical and unfair to consumers, especially when vital health and financial matters are at stake. 

I appreciate your attention to this matter and look forward to your intervention to help resolve this issue. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I discovered several fraudulent medical debt collections on my TransUnion credit report, which I did not recognize or authorize. These debts were the result of identity theft, as confirmed by the FTC Identity Theft Reports I provided to all three major credit bureaus, including TransUnion, on [ insert date ]. 

Both XXXX and XXXX promptly reviewed the FTC reports and determined that the medical debts were indeed fraudulent. They took the necessary action to remove these debts from my credit reports. However, despite providing the same documentation and evidence to TransUnion, they continue to report these debts as " verified. '' I have made multiple attempts to contact the debt collectors associated with these fraudulent claims, requesting verification of the original creditor 's identity, proof of my identity related to these debts, and an itemized bill. Unfortunately, I have received no response or call back from these collectors. 

It is important to note that I have never lived anywhere near the locations connected to these claims. The alleged services, such as ambulance or fire company assistance, would have required XXXX XXXX of over XXXX XXXX, which is unreasonable and further supports the fraudulent nature of these debts. 

XXXX failure to remove these fraudulent debts from my credit report is causing ongoing harm to my financial standing and personal well-being. 

Dates, Amounts, and Actions : XXXX. Dates : Fraudulent debts identified on XX/XX/XXXX and continued through XX/XX/XXXX, FTC reports and documentation submitted to TransUnion on XX/XX/XXXX and original fraud alert placed in XXXX. 

XXXX. Amounts : Total amounts of fraudulent medical debt in collection over {$9300.00} XXXX. Actions Taken : Provided FTC Identity Theft Reports and supporting documentation to TransUnion ; contacted debt collectors requesting verification, but received no response. XXXX and XXXX removed the fraudulent debts, but TransUnion has not and claims " Verified as Accurate ''. 

I am seeking the removal of these fraudulent debts from my TransUnion credit report, as they were removed by the other credit bureaus. The original creditor is over XXXX XXXX  away from where I have ever resided and XXXX XXXX  states over XXXX XXXX XXXXXXXX way. It states " XXXX XXXX '' so I would logically not be able to dispute this as I would be deceased if an outside state requested a XXXX XXXX that was over XXXX hours away. 

I requested Itemized Bills and Proof that the person who did/if they did collect those debts for proof of identity and received nothing from anyone including Transunion. XXXX and XXXX though could not verify the debt and both removed everything. 

I can provide any additional information required as well. 

Thank you again to the CFPB with everything you are doing to help people like myself try to get out of abusive situations but unable to due to identity theft and no one else willing to offer help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. XX/XX/XXXXthe credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.
Product: Debt collection

I XXXX XXXX on XX/XX/2021 as the original creditor initiated a consumer credit transaction with Wells Fargo Auto using my credit card. A finance charge arose with this transaction. As the original creditor, I required that my insurance be included in my finance charge, but Wells Fargo Auto refused to include my insurance in the finance charge. The finance charge is the sum of all charges including insurance. This is a violation of the Truth in Lending Act. 
As a consumer, I have the right to opt-out and pursuant to 15 usc 6802, Wells Fargo Auto was required to notify me of this right. They have failed to supply me with the proper information or steps to opt-out. They are willfully and falsely reporting inaccurate information to credit reporting agencies. I am not listed as the original creditor, the finance charge is inaccurate and wrong by more than {$100.00}, amongst many more violations. 
As a consumer, I also have the right to rescission pursuant to 15 usc 1635. Pursuant to this subchapter, Wells Fargo Auto was supposed to disclose to me this right and provide me with the necessary documents for this process. Failure to do so results in being held civilly liable for double the amount of the finance charge and any actual damages. 
Not only has Wells Fargo Auto been deceitful and abuse me as a consumer, they continuously harass me. Wells Fargo Auto has called my phone at unusual times at least 4 to 5 times a day. Not only do they harass me with phone calls, but they also call me at my place of employment. Harassment by telephone calls is a violation of the Fair Debt Collection Practices Act. 
Wells Fargo Auto has been sent an Affidavit of Truth, Debt Validation Letter and also a Cease and Desist Letter which has been attached. Upon receipt of these documents, Wells Fargo has 30 days to respond. Wells Fargo Auto is to cease all communication with me expect to notify through mail that debt collection efforts will be terminated or that a specified remedy has been invoked.
Product: Payday loan, title loan, or personal loan

I lost my job in early 2020 as a direct result of Covid. I contacted NetCredit to make arrangements to skip payments in XX/XX/2020, XX/XX/2020 and XX/XX/2020 seeking relief under the CARES Act. Such permission was granted but unfortunately NetCredit still reported the missed payments to all three credit bureaus. I have contacted them on three different occassions and am told that 'accurate missed payments ' can not be removed. I am not disputing that the payments were missed - I am disputing NetCredit 's role in not accurately reporting that my credit was protected under the CARES act.
Product: Vehicle loan or lease

XXXX XXXX XXXX  credit acceptance Whenever I try and get a car loan I keep getting credit acceptance on my credit saying that the account is open when indeed it is closed. It only shows up on my XXXX XXXX creditors. This car was given back to the car dealership because it started having transmission problems a month after I got it. I had them come pick the car up. Bottom line its been over XXXX years since I've had this vehicle it should not be showing up as an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making 96 to 99 qualified payments on my student loans and only have 22 payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX  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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I used two credit cards of Bank of America to pay for a product belonging to " XXXX   Mastermind company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to many people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and I provide them with plenty and needed documents. The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do any thing about it. I used other credit cards for the same issue, like XXXX and XXXX the accepted my reason and they really worked on it and they resolved it. 
the amount is {$5200.00} on card ending in XXXX and {$5000.00} on card ending in XXXX
Product: Credit card

While I was in XXXX XXXX on XXXX XXXX XXXX with my family we entered XXXX website to buy tickets for the show in XXXX for XXXX persons. 

The website of XXXX  showed total sum of {$250.00} for XXXX persons. When I pressed the button to book tickets for XXXX persons the sum without any prompt got substituted by the sum {$1100.00} and got applied automatically. This website acted like a scam service substituting and applying the sum automatically which was several times more than the advertised sum for a total of XXXX tickets. 

I started calling to XXXX to cancell - during the conversation it turned out that they are actually a third party call-center which is not responsible for anything and can not correct or cancell anything but are affiliated with XXXX. They being informed of the acute situation merely wasted time taking no action. 

Thus we immediately applied to paypal explaying that we did not intend to spend this big sum {$1100.00} because it is out of our budget. 
Paypal carried out its own investigation days later and as a result said that the seller informed paypal that I used their service and as a result the funds will not be returned to me. I asked if the XXXX has proof that we actually visited the event while we were not there physically, I called to cancell XXXX  service immediately after fraudulent activity of substituting large sum and applying it automatically without prompt on their website, moreover applied to paypal itself immediately to cancell the transaction. 

Regardless of us not present at the event as a consequence and immediate actions from my side to cancell at the first minute after booking a fraudulent service the decision of paypal was made in favour of the fraudulent seller. Paypal saw my immediate cancellation and still took the sellers side who has no proof that I actually visited the event but takes sellers side only because they said the delivered the service to me.