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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me and my business a great deal as I used PayPal quite frequently. I thought PayPal was supposed to be helping small businesses during the pandemic but they are making it hard for my small business. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can only give you today 's date because it is the last straw. My husband and I have been getting called at least twice or three times a week and they always call from a different number because we have blocked their calls but they keep on calling. I have politely requested on several occasions not to call me or my husband anymore, howeve they have ignored our requests. The collection company is Palisades Collection LLC.  The calls are regarding a case that has been closed since XX/XX/2011 and has changed collection agencies 3 times. Now I'm trying to refinance and they have sent a fraudulent letter to the mortgage company who has forwarded the fraudulent letter to me at my request. When my mortgage company told me about this issue I started contacting Consumer Agencies for help with these harassing and fraudulent issues. It is effecting my health and well being because of the stress the company is placing on myself and my husband. I'm also contacting the State Attorney General 's office and placing a complaint with them as well. I fear that if this behavior is going to continue there will be medical attention that will need to be addressed and I believe I should be compensated for all charges from Palisades Collection LLC. should it come to that. I don't know where to turn for help when collection agencies are able to write letters to companies and also calling these potential institutions with lies and deception. Please help me or provide information that can stop this harassment and stop them from ruining my reputation with fraudulent letters and calls. Any help you can provide will be greatly appreciatedl Respectfully Submitted!!
Product: Payday loan, title loan, personal loan, or advance loan

Tower Loan has been demonstrated to violate federal law 15 U.S. Code 1692d - Harassment or abuse since taking this loan in XX/XX/XXXX. I have received multiple calls daily over the past few months. This company will call me an average of 4 times daily on different numbers. On XXXX XXXX, a tower loan rep, called me at XXXX XXXX I informed him to cease all communication, and he noted he would put this on my file. I continue to get calls. Tower Loan has also called my aunt, who lives out of state, multiple times, looking for me. She was reprimanded on XX/XX/XXXX for taking this call on her job. She thought it was an important call from a Mississippi number. These calls have become a form of harassment, as I work full-time and can't always answer my phone. XXXX called me today at XXXX XXXX, asking when I would make a payment. She failed to see in the file that a payment was scheduled before calling me. I have included screenshots of calls that have been made over the course of time.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following 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  These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by TransUnion showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Money transfer, virtual currency, or money service

A payment of XXXX was deposited into PayPal account and they have denied service to me and are holding my money for 180 days. They gave no reason.
Product: Credit card or prepaid card

On XXXX I purchased two Airline tickets and travel insurance with my American Express card. One ticket purchased on website XXXX for {$740.00} ( XXXX  ) and Travel insurance recommended by XXXX -Generally for {$55.00} total= {$790.00} Second ticket was purchased from XXXX for the amount of {$130.00} ( XXXX  to XXXX ) BOTH COMPANIES AT THAT TIME HAVE ADVERTISING : '' DUE TO COVID-19 FREE CANCELATION, FREE RESCHEDULING " At the time of purchase No restriction on travel to XXXX! 
On XXXX! XXXX ( Friday ) country of XXXX introduce RESTRICTION on travel for all travelers including US. 
WITHOUT NEGATIVE COVID-19 TEST NO ENTRY!!! starting XX/XX/XXXX. 
My Original travel date was XX/XX/XXXX schedule to arrive in XXXX next day XX/XX/XXXX. It was NOT possible to get test done in such short period of time and weekend!!! It was Not possible to board flight going to the Country that require Negative covid test without HAVING ONE! 
I called JUSTFLY immediately and explain situation i was assured that is going to be ok to reschedule but THEY START PLAYING ME COUPLE OF DAYS AFTER THAT with contradicting emails!!! 
XXXX XXXX newer return my email!?? 
Generaly ( Travel Insurance ) DENIED MY CLAIM! 
American Express DENIED MY DISPUTE!? 
I contacted ALL above mentioned companies numerous times in XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX submit COUNTRY OF XXXX official website announcement of restriction with dates to prove that IT WAS NOT POSSIBLE FOR ME TO TRAVEL AT THAT TIME but no luck!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX Last Reported TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX High Balance TRANSUNION {$37000.00} XXXX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Product: Checking or savings account

We/I made it clear that the reason for making a bank account in such a distance from our locations is to make accounts at banks that have significant distance barrier from where we are. ( Preferably places where banks have no employees or branches near our residence ). This all happens to coincide while launching a litigation with a local bank in VA. ( 1 ) On XXXX around XXXX XXXX PST  representatives addressed no such concerns. And two external transactions for credit cards were made on XXXX. ( 2  ) Returned a voicemail on XXXX at XXXX XXXX from/to XXXX XXXX but no response was given. ( 3 ) On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. ( 4 ) However on XXXX at XXXX XXXX, weeks after mobile access was disabled, an email was sent to ask us to check a letter via mobile access. ( Meaning mobile access should have been possible during the time Suntrust was processing this " account closure '' request from us ). Interestingly, the letter stated we were the ones to close the accounts, and not due to an " investigation. '' Finding this odd, we tried make another account, until app access was suddenly revoked during the application process, 4 steps in XXXX XXXX. While we recognize bank 's right to refuse service to anyone, we'd like to say that Suntrust employees had to fabricate reasons to circumvent their own system to terminate our accounts. System emailed to ( a ) after re-enable access, ( b ) ask the users to login/retrieve the notices that accounts have been closed. ( c ) seize access on its own again during another application, ( d ) prevents letter retrieval. ( Not to mention this " intelligent system '' hasn't detected any strangeness beforehand ). System itself didn't detect any wrongdoing or strangeness for several weeks until its employees suddenly " detected '' and started " investigation '' on non-existence issues to claim that we were the ones to ask the account to be closed.
Product: Debt collection

Throughout the day i am getting multiple calls from this company. I've told them twice to stop contacting me and that I would pay when I could however they are still contacting me. In one day I could receive up to 10 calls from them. In a week it totals to almost 50 calls within the week.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, Has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX ( XXXX XXXX : XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX, Has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG
Product: Debt collection

I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX.
Product: Debt collection

SYNCB/Sams Club is reporting an account as outstanding on my credit file ; however, I contacted Sams Club and was advised that there is no balance due. I requested that this is reflected as zero/PAID IN FULL on my credit file, however, report is still showing this amount as delinquent.
Product: Debt collection

I contacted to validate information more than 45 days ago and they have not given me information. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights.
Product: Credit card or prepaid card

On   XXXX   XXXX     Rushcard canceled my card before contacting me about charges when I advised I attempted the charges a  XXXX  stated he would get me a replacement card sent out right away and waive the {$30.00} fee. Stated it will take  XXXX  business days to see the reversal. I called back on   XXXX   XXXX   and it had not been done said they needed  XXXX  more business days called back the  XXXX  said they needed  XXXX  more business days on    XXXX   XXXX    I called they stated they needed  XXXX  business hours also called again today still nothing has been done asked for another  XXXX  business hours. Stating they have no way of contacting there corporate.
Product: Debt collection

On XX/XX/XXXX2020 I received several alerts about a new collection account that was added to my credit report from I.C System from a cable bill/company XXXX. At the time I was not familiar with the debt because I had never received anything in the mail from them. When I called them on XX/XX/XXXX2020 they told me that they did not have to send me anything because XXXX sent me a bill in XXXX. 

I told them it is my understanding that I should have received something from them via mail or a phone call even. I confirmed my name and contact info and requested that they send me something in the mail. I received my first letter from them on XX/XX/XXXX2020 which was 13 days after it posted to my account and 11 days from the original/first letter that they sent to me ( dated XXXX/XXXX/2020 ). 

After I received the letter I called on XX/XX/XXXX2020 and spoke to XXXX employer ID XXXX and he told me that they attempted to send letters to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX but all of them were cancelled and never mailed out because of COVID. I then asked them how were they not able to mail me any to validate the debt but was able to send me to collections and he said because it was a different department. 

We that being said, per the FDCPA I didn't ; receive my letter until XX/XX/XXXX2020 which was 13 days after it posted to my credit report. That is a violation
Product: Mortgage

My insurance company is New Rez. I live in an XXXX condo complex. I have shown them my insurance coverage. They have asked me for copy of insurance that covers condo complex. I have complied. They are now charging me an extra $ XXXX for an escrow account they added to my monthly mortgage payment to cover insuring the entire building. The charge will start XX/XX/XXXX. They will not/have not acknowledged receipt of copy of condo complex insurance. They allege they will refund charges XX/XX/XXXX. I don't trust them.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report : XXXX number XXXX
Product: Credit card or prepaid card

My kohls charge minimum payment increase to {$75.00} From {$46.00} because I was late paying XXXX dollars that I wasnt aware of. I have not been receiving my emails telling me what i need to pay each month for a few months now, and because of this my account was - {$44.00} over a missing XXXX dollars. Kohls only reversed {$27.00} late fee, and does not want to change or even reimburse me the difference of the {$75.00}. Its not right because had I received that email telling me that my minimum payment was now {$48.00} instead of {$46.00} then I would never wouldve incurred a late fee and I never would have my minimum payment be {$75.00} right now. My email information is correct and Im not sure why I havent been receiving my statement I believe that Kohls should give me the difference back once I make the {$75.00} payment instead of trying to keep the whole {$75.00} because its not theirs.They told me that the bill is generated based off of my balance and interest as well as late fees and etc. so if its generated based off of that then my balance never wouldve been what it was had it not been for that late fee which in turn generating my bill to become {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"