23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

We placed merchandise on eBay listed a Go Pro Camera Hero 3 silver including accessories of a battery pack, charger with USB cord, chest mount, head mount, touch screen, XXXX cases with interchangeable doors for the camera listed for the 'buy it now price ' of {$350.00}, valued according to fair market at approximately {$560.00}. Received an offer from XXXX to purchase the camera with equipment for {$350.00} plus additional shipping and handling fee of {$50.00} which made the total {$400.00} noting that it was 'a birthday gift ' received from PayPal via email, with a realistic transaction ID number, and with the PayPal logo . Emails and text messages were exchanged between the fake buyer and us the sellers. The money was requested and to be placed into the PayPal account. We received several emails that stated that it may take 'several days for the transaction to appear in the account ' however it went on to say that the 'account could be credited in the next 24 hours '. We also received a confirmation shipping reference number written on PayPal documentation. But the money was never received into the account, the merchandise had shipped. According to the phone calls to PayPal, they were not responsible for the transaction and stated that it appeared to be a fraudulent email. It is extremely frustrating, disappointing when this was the first time we attempted to sell using PayPal. It is a shame that Pay Pal does not have their website secure and take responsibility for the fraud that occurred. I will submit the emails obtained from the fake buyer and please note the transaction ID listed on PayPal logo.
Product: Credit card or prepaid card

I received a 0 % percent interest balance transfer offer from Discover Card which is valid for six months. I chose the direct deposit transfer option into my personal checking account rather than transferring a different XXXX card balance to my Discover Card. Both options were offered and I chose direct deposit on XX/XX/2023 ( XXXX weeks ago ). I provided my bank routing number and account number and have never received the {$29000.00} deposit. I have called Discover over a dozen times in the past XXXX weeks and I have no resolution. This has severely damaged my credit rating by dropping my XXXX  score more than 60 points which has impacted my financing for a new vehicle. Ive requested that Discover cancel the transaction altogether and they said they could but warned I would still be responsible for the 1.5 % transfer fee of nearly {$1500.00} which is criminal after their inability to send me the money charges or my credit card. How is this legal to charge me for something I never received and not resolve it after XXXX weeks?
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT APPLY WITH THIS COMPANY ON XXXX XXXXMUST BE A FRAUD.
Product: Credit card or prepaid card

A letter dated XX/XX/2019 stated chase services could not help me with my dispute any longer. The dispute arises from merchandise which I returned to XXXX XXXX home security via XXXX on XX/XX/2019. The credit was sent back to my account on with chase card services on XX/XX/2019 ending in XXXX. This credit has not appeared on my account number ending in XXXX. In the written communication from Chase they did NOT provide all transactions only statements without showing credits. In addition I had asked to begin civil litigation procedures on this matter yet chase did not provide me with person or location for process of service which is required on all corporate fillings in the state where I live, California. I would like to resolve this matter but the date that Chase gave me to to resolve this matter was XX/XX/XXXX without providing any justification or public law reference for their decision. The equipment was not received by XXXX XXXX until XX/XX/2019 and my chase account ending in XXXX was never credited even though XXXX XXXX  sent the refund back to Chase on XX/XX/XXXX. So I would like to understand the public laws and corporate codes that Chase is allowed to operate in the State of Califonia under this circumstance of not providing my credit, then not providing a person a location for process of service within my local jurisdiction and finally under what public law ordinance is Chase allowed to behave in this manner?
Product: Credit card or prepaid card

USAA statements hide ALL CREDITS INTERNALLY SO I CAN NOT UNDERSTAND THEM WHEN I CAN NOT VIEW THEM I DO NOT UNDERSTAND HOW 1 ) Temporary Credits are DEDUCTED the Same Day they are CREDITED?? How does this work? 2 ) Why do Temporary Credits ( not made permanet yet ) TURN INTO NEW PURCHASES?? ( +1 ) credit + ( -1 ) credit = ZERO CREDITS AS IN NONE.How does USAA USE TEMPORARY CREDITS TO CREATE NEW PERMANET PURCHASES? How does ZERO NONE CREDITS BECOME A NEW PURCHASE?
Product: Debt collection

Since XX/XX/XXXX, Portfolio Recovery Associates has harassed me in an attempt to collect debts they claim that I owe me by use of robo or autodialers. Between XX/XX/XXXX and XX/XX/XXXX they called me, often less than a minute apart over 60 times. On XX/XX/XXXX alone they called me over 30 times in less than 10 minutes and an additional 36 times through XX/XX/XXXX. This is not only unacceptable, it is a violation of the Rosenthal Fair Debt Collection Practices Act as well as the TCPA. 

Additionally, this DEBT COLLECTION AGENCY or junk debt buyer falsely lists themselves as a Factoring Company with an open loan account through them. This is also a violation of the Rosenthal Fair  Debt Collection Practices Act as well as the FCRA and FDCPA. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receiveables, not debt, and the bulk of the accounts are commercial, not consumer PRA is not an innocent purchaser nor are they holders. They are a collection agency and junk debt buyer. 

PRAs violations as they relate to my complaint : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX are not innocent purchasers and not holders. 

1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
Product: Credit reporting

I do not now a XXXX XXXX and I do not have a alias nor do I go by the name XXXX XXXX. Please address this issue. Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXXXXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX This account has been sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account contains numerous inaccuracies. I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Issues Identified 1. Unauthorized Sale of Account : The XXXXXXXX XXXX account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : High Credit : Experian : {$1600.00} XXXX : {$2000.00} Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History : Both Experian and XXXX inaccurately report that the account Was 30 Days Late 1 Time and Was 60 Days Late 1 Time, which is not correct. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. These actions have caused undue stress, potential damage to my credit profile, and an invasion of my privacy. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
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 accounts 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 accounts 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 accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX Customer Service, I am writing to notify you that I am a victim of identity theft as a result of the XXXX XXXX breach. My personal information has been used without my authorization, and fraudulent accounts and credit inquiries have been reported on my credit file. I am requesting that you block and delete these fraudulent entries from my credit report pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - XXXX Unauthorized XXXX Inquiries XXXX XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX Please take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file. 
Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report. 
To assist with your investigation, I have included the following documentation : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
XXXX. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within XXXX ( XXXX ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
Thank you for your prompt attention to this matter. If you need any additional information, please contact me directly at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

In 2021 I declared a XXXX  XXXX to get this debt off of my credit report as it belongs to my ex-husband who was awarded the property in a divorce settlement. For a short time, it was removed from my credit reports, but it has now reappeared since their association with Mr. Cooper, a bogus predatory lender like as Rushmore. This needs to come off my credit at once.
Product: Debt collection

So today on XX/XX/2019 I received three phone calls from XXXX. The first call came in at XXXX however, I did not answer it because I was nor familiar with the number. Then I receicved a call around XXXX so I thought to myself let me answer this because when I received the first call I never received a message. I answered the call and I could barely hear what the lady was saying, then she asked me to verify my address and etc and I told her no. This was because she called me and I was unclear where she was calling from. She then said I told you who I am..I 'm so  and so with Flagship. So I told her again that she called me and that I was not giving her my information and that I would call them back directly to verify who I was so started saying so you'r not going to verify your information..Needless to say I hung up in her and headed back into work. Then I received another call from the same number at XXXX. I did not answer this call but I was thinking I already told the lady I woud call back.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX/XXXX  - XXXX XXXX XXXX - XXXX
Product: Debt collection

I am dealing with Convergent. They want {$4200.00}. They told me in XX/XX/2017 I do n't remember the exact date that I would get sued if I do n't resolve the debt. They should have the recording. Also I asked them to valid the debt in early XX/XX/XXXX. They did n't valid the amount. I gave them 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed
Product: Checking or savings account

I deposited XXXX XXXX at the Golden ATM it the XXXXXXXX XXXX XXXXXXXX totaling {$410.00} on XX/XX/2023. The checks were as follow. 

{$400.00} {$0.00} {$1.00} {$12.00} When I checked my account a XXXX later it showed that each check was individually withdrawn due to poor image quality. I have contacted the bank via phone and was told it could take up to XXXX days to resolve. I later received a letter telling me there was an issue with my deposit but required no action. I made an inquiry at the bank and was told it could take XXXX days. I informed them that it had already been XXXX  days. The teller said that they should have returned the checks to me. it has currently been XXXX  days with no resolve or access to my funds and they still have not returned the checks to me as I was told.
Product: Student loan

*XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX   job that I could receive student loan forgiveness.

XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX  status *I contacted XXXX   and they agreed ( never told me to fill anything out in the past ).

*Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ).

*They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness
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. 

Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/year> I closed my deceased fathers business account associated by XXXXXXXX XXXX XXXXXXXX. They issued me a cashiers check for amount of {$3600.00}. Now I brought a affidavit for collection for small estate by distrubee and death certificate. All the documentation I needed to close the account. But the bank of ozk made it out pay to the order of The Estate of my father which I was told by my attorney and other banks that was incorrect and that it should have been writing out too the distributee cuz im not goin thru probate process cuz its under {$100000.00}. And the manager at banks OZK refuses to correct it for me and told me to go to another bank and they'll cash well all the other banks are asking for the same thing which is a letter of testemntery which is only issued if your going thru probate which im not and its because the checks made out to the estate of my fathers and thats telling the banks im in probate so its means I need to open a estate account which needs a letter of testamentary which I cant get cuz im not in probate. The check needed to be written out to the distributee so I can cash it and dispense it to the ones it needs to go to. And now iv got a check I cant do nothing with the banker wont correct it and now the same banker is closing a CD and im afraid hes go in to mess that up too. And Idk wht to do