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

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report. 

Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian is reporting the following address that does not belong to me. XXXX XXXX XXXX  XXXX, XXXX  XXXXThis violates the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, I have contacted them and they refuse to remove the inaccurate information. The only address that should be reported is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX
Product: Debt collection

I made a one time purchase at Macys and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.
Product: Money transfer, virtual currency, or money service

This complaint is against : PayPal , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX I was advised to wait 180 day before my balance could be withdrawn after multiple phone calls on XX/XX/2021. As of XX/XX/XXXX, Paypal has withdrawn all of the funds to their own account, {$31000.00} after the stated 180 day hold period. I understand the 180 days period, to rectify any issues buyers may have, for instance chargebacks etc. However, it is illegal for the company, Paypal, to pocket the seized funds. I would rather have Paypal refund all my clients that are satisfied with their goods without any complaints after 7-8 months than to have Paypal pocket the money after they have collected the fees for successful completed transactions. It is unjust enrichment by paypal gaining interest off the held fund that isn't paid out to the customer after 180 days. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 
PayPal debited a random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reach XXXX before the 180 day hold period. I believe that I was deceived by PayPal as they failed to provide the payment service promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : accounts 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 and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by Experian, showing these inaccurate items. 
I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Credit reporting or other personal consumer reports

I contacted all three credit reporting agencies and advised them the information they have reported is in accurate I wanted to know the offset ledger of the true bill and to see the 1099c of each and every account thats hurting my credit profile. All XXXX  major credit reporting agencies are in violation under the securities exchange act 1934. My debt has been pre paid by the United States of America inc. Collateral with my social security bond.they also violated provisions article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im the GRANTOR of my TRUE ESTATE a secure party creditor im set free and clear of all liens debts tithes held under the color of law all other encumbrances established by the United States of America inc., they also violated foreign sovereign immunities act section 1605 and 1607 Im owed and entitled to exemptions treaties bonds insurances and guarantees including indemnity and full faith and credit.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX that affects every aspect of my daily life. The XXXXXXXX XXXXmpact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a prepaid/secured c/card with XXXX XXXX XXXX, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The XXXX XXXX XXXXXXXX took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the XXXX XXXX XXXXXXXX was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the XXXX XXXX XXXXXXXX took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the XXXX XXXX  XXXX Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.
Product: Student loan

XXXX XXXX mislead my dreams of higher education. Now I 'm in debt and have nothing to show for it. Im constantly being harassed by collection agencies and it 's making me depressed. '' They promised job placement and I was mislead regarding student loans. The courses I completed were non transferable as well. I was told they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent one of my first letters to the three credit bureaus to dispute the accuracy of the account CHILD SUPPORT ENFORCEM ; with the account numbers XXXX on or about XX/XX/XXXX ; and After 73 days of inaction, it is clear Experian doesnt want an amicable resolution. 
Among the inaccuracies I listed was the late payment reported XX/XX/XXXX. My wages were garnished. The payments were automatically withdrawn before I was paid by my employer. I was only required to pay $ XXXX monthly ( Child support order is attached ) ; however as you can see from my XXXX bi-weekly pay stub and XXXX - XXXX annual financial statement, I was garnished $ XXXX  monthly. My payments were never late because I never had control over them ; the CHILD SUPPORT ENFORCEM agency did. 
5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer A fair resolution is for Experian to immediately delete the CHILD SUPPORT ENFORCEM account immediately for not complying with FCRA or for Consumer Financial Protection Bureau to provide me with the means to adjudicate the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time or 3rd time fileing a complaint on XXXX XXXX XXXX As stated before. XXXX XXXX XXXX is report in accurate information on my experian credit report. I'm requesting XXXX XXXX to remove account off my experian report asap. I know account is gon na self come off XXXX XXXX as fcra allows 7 years has passed since last payment was made. I want this off asap. 

I went to court to tell Judge that the attorneys for XXXX XXXX XXXX  didn't serve me. Judge ordered default Judgement to come off my record. I do now owe XXXX XXXX  the amount showed on my credit report. The car was repo years ago. Delete this now XXXX XXXX 

I'll see u in court XXXX XXXX XXXX  for our conference. Also XXXX XXXX. I'm not collectible as I'm getting on social security. I have XXXX XXXXXXXX. And I'm not working So please do the right thing. Leave me alone and take off account off my credit report
Product: Debt collection

On XX/XX/year>, someone was able to access my XXXX account, and use by XXXX Bank checking account to purchase XXXX gift cards in the amounts of {$50.00}, {$100.00}, {$200.00}, and {$400.00}. I discovered these fraudulent transactions on XX/XX/year>, and immediately reported the situation to both XXXX and XXXX XXXX. Both opened cases and investigations into the fraud and provided me with case numbers, which I provided to TRS Recovery Services, the debt collection company that keeps contacting me for payment. 
The XXXXXXXX XXXX XXXX  # : XXXX XXXX Bank immediately returned the funds to my account, I have not heard from XXXX, other than them instructing me to work with my bank. So, I have my money back and feel this situation should be CLOSED.
Product: Debt collection

{$130.00} debt has been charged against me. I do not owe this
Product: Checking or savings account

I requested a distribution of a voluntary savings plan managed by Wells Fargo Bank - Retirement Services. 

I am not a resident, tax resident, or citizen of the United States of America. 

I am a XXXX tax resident, and a national of XXXX. A copy of my passport was included in my distribution request. The XXXX had my XXXX permanent address, along with my XXXX tax ID. 

In XX/XX/XXXX when the distribution was made, Wells Fargo incorrectly withheld thirty percent of the interest. Wells Fargo called the distribution - a non-resident single sum benefit. 

My instructions ( on both distribution request forms and the XXXX submitted several months earlier ) were to withhold 0 percent in line with the international tax treaty table ( see column 1 ), and advice I had been given by the ( very helpful ) IRS International Team. 
https : //www.irs.govXXXX I do not have a US social security number. I have never paid tax in the US. 

The Wells Fargo distribution and processing teams I spoke to on the telephone advised that the 30 percent Federal Withholding of interest was their internal legal policy for two reasons : 1 ) I have a simulated social security number from my employer, the IMF The simulated social security number is IMF staff number ( XXXX+my staff ID number ) 2 ) It is a lump sum payment For reference, the address on the check attached was a previous and out-of-date address. I lived at that address until XX/XX/XXXX when an employee of the IMF.
Product: Debt collection

This company Phoenix Recovery Group is trying to collect {$2200.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Phoenix Recovery Group with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Phoenix Recovery Group. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Phoenix Recovery Group.  They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company called Caine and Weiney called me several times, and I do not have business with them. They use forceful tactics and try to create a business relationship with me. They are trying ti make me do business with them. I refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITYT THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THAT ACCOUNT ARE FRAUDULENT, THE ACCOUNT WAS A RESULT OF AN IDENTITYT THEFT. MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE. I AM IN A MIDDLE OF IMPROVING MY POSITION AND THE NEGATIVE ACCOUNT IS EFFECTING MY LIVELYHOOD.
Product: Credit card or prepaid card

XXXX Was closed incorrectly. CONDUENT IS NOT A Goverment Agency, Not State, Not Local, Not US Government. 
This was closed incorrectly. 
Conduent goes out of its way to tell employees they are not government employees and states it is NOT a government agency. 
This was closed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with their firm pursuant of the FCRA XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to confirm that the account was closed. After about 1-2 weeks the account was still being posted as open on my credit report. I contacted XXXX  in order to open a dispute. My account was updated with information that the account was closed at my request, but still remains on my credit report as open. This is the case for all 3 credit bureaus. Though it is not shown on the letter, the Customer Service representative mentioned that according to their records the account was closed in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meadowbrook legal Group has engaged in deceptive business practices. I hired Meadowbrook legal to settle debt. They rushed me to sign a contract, asked me to add money to a savings account for them to use as leverage. I was reassured multiple times by the sales rep that the only fee will be a {$89.00} admin fee every month. This savings account was hidden ( on another website called XXXX XXXX ) I found months later that they have been using 95 % of my funds to pay their made up fees ( retainer & service fee. ) They haven't provided me with any services to justify these charges and when I asked about for refund on the hidden fees they said they aren't refundable or reimbursable. Unknowingly, by paying these hidden fees it has put me further in debt. I thought I was saving for a settlement. 
The fact that the fees are hidden in the contract plus being rushed to sign did not allow me the opportunity to make an informed decision before signing the contract. Meadowbrook legal group misled and concealed the fees in a way that made them difficult to notice even as they charged me, they haven't provided any service and I want a refund on these fees.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience. I have had several accounts closed randomly without notice with money in the account & they said they were going to mail out any money left & they failed to do so.
Product: Credit card or prepaid card

My credit card account is paid automatically from my checking account. The payment is scheduled to be paid on the closing date which varies between the XXXX-XXXX of each month. The XX/XX/XXXX statement due on the XX/XX/XXXX was made on or about the XX/XX/XXXX in the amount of {$3900.00}.

For reasons that seem to be unknown, a duplicate amount of {$3900.00} was withdrawn from my checking account XX/XX/XXXX, 4 days prior to the statement closing date leaving my account with a credit balance. The statement balance was {$1800.00} When I called on XX/XX/XXXX to inquire why the unauthorized withdrawal from my checking account, the representative was unable to explain how that happened. I requested the unauthorized withdrawal be returned to my checking account. I was told it would take 3-10 days to verify that Bank of America had in fact received the funds and to return the funds to my checking account.