23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 I reviewed my credit reports and found ( 2 ) accounts that I do not have any knowledge, that I never opened. Both accounts under the account number XXXX are being reported for ( 2 ) different balances {$34.00} and {$1200.00}. 

On XX/XX/2018 I contacted the company Phoenix Financial Service by  letter disputing the account balance of {$34.00} the {$1200.00}. I requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report held with the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that this debt that can not not be validated be removed from all reporting bureaus. 

I have yet to receive any response. I have waited for over 30 days for the company to respond in a timely manor and adhere to compliance but they have not. I refuse to wait until this company decides to respond and put this issue right so under advise, I wish to informed Phoenix Financial Service that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA or 2. the deletion of this invalidated account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX  XXXX- Inaccurate Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Payment History
Product: Checking or savings account

Since XXXX XX/XX/year> until XXXX XX/XX/year> my checking account have happened fraud charges total amount is {$6700.00} USD. 
my debit card was lost when the charges happened. 
this is unauthorized charges. 
Please refund the amount to me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$3100.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX balance {$1100.00}XXXX XXXX XXXX  balance {$1000.00}, XXXX XXXX XXXX  balance {$1900.00}, XXXX XXXX XXXX balance {$840.00}, XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXXXXXX XXXX {$1200.00}, XXXX XXXX XXXX balance {$1200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX SSN : XXXX D.O.B : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account XXXX XXXX XXXX XXXXXXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters to XXXX, TransUnion and XXXX throughout the year of ( March 2024-November 2024 ) that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a dozen items which the companies were informed they were not accurate for XXXX reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the FCPA first initial is to be FAIR, and this is not fair by any means. ) XXXX : XXXX XXXX : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : US DEPT ED 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 : Transunion XXXX : XXXX XXXX XXXX XXXX : Transunion XXXX : XXXX XXXX XXXX XXXX Transunion XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Transunion XXXX : XXXX XXXX XXXXXXXX XXXX Transunion XXXX : XXXX XXXX XXXX Please inform me of what is to happen now.
Product: Credit reporting or other personal consumer reports

Please take immediate action to block and delete the following accounts and inquiries from my credit file : Accounts to be blocked and deleted : XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX   XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$48.00} XXXX. XXXX OF XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} XXXX. XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00} Inquiries to be blocked and deleted : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person. I was also told that XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.
Product: Mortgage

i had a idenity theft happen to me and somebody i knobelieve it is paid off my mortage without my concent and then about a week later they called in and pretend to be me and had the payment be reversed which now just put me behind on payments, now not only are they fight me about a payment that ws made by me and will not put it towards my balance but they are giving me a very very very rough time on working with me on something that happened and that was not in my control or my fault so they will not work with me to fix this so need help and i want whiever is responsable for also giving out my personal informatiom to pay for what they did and punished to the full extent including charges and being fired thank you for your time and concideration also if you have a fax number i can send over the rest of everything i have
Product: Credit card

Capital One is reporting wrong on the date of last delinquency. I was like Capital One to show a record of my payment history.
Product: Credit reporting or other personal consumer reports

My report say no score and derogatory remarks what is the remark I dont write it and my name is spelled incorrectly
Product: Money transfer, virtual currency, or money service

I filed a CFPB complaint. YOU closed it when PayPal lied by omission. PayPal continues to harass me. PayPal has blocked my online access and I can not pay my PayPal branded XXXX Bank credit card. 

Nothing in my profile has changed. My phone numbers have not changed. To access my account, PayPal is forcing me to enter a new phone number and PayPal will not accept my working landline number. I have XXXX phone. I do not use cell phones. I can not login to PayPal to access a hyperlink to XXXX XXXX 

PayPal is actively interfering with my ability to conduct business with a third party. 

PayPal continues to refuse to answer the original question. Through a process that PayPal designed and controls, PayPal gave me {$1500.00} without any terms, the only requirement being repayment. I continue to demand to know the payment terms. I will accept published tariffs only. 

There is a giant hole in the internet and you can pull thousands of dollars out of it and it does not seem to be a crime. PayPal made it. 

I demand immediate access to my PayPal branded XXXX XXXX credit account.
Product: Checking or savings account

On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me. 

This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud. 

Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX. 

In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account. 

XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone. 

I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX. 

TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.
Product: Checking or savings account

On XX/XX/2022 my bank balance was current and showed a postive balance on my online banking protal. US Bank charged me exesive overdraft fees. The overdraft fees essentially trigered my balanace to go negative which then resulted in more overdraft fees and NSF Fees totaling over XXXX. This is a finaicnal burden and misleading financial practices.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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  XX/XX/XXXX
Product: Debt collection

I currently received a wage garnishment that I was n't served any paperwork for. After contacting the company, I was told by an employee that the paperwork was served to an address in  XXXX  even though they had my current address in   XXXX   on file. I have not received any written communication from the company to dispute the debt and they served me in a state that is over  XXXX  miles away therefore I am unable to file a wage exemption. I requested documentation of the debt and proof of any communication to my current address and was told they do n't have to give me anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello '' To Who is Reading This Message This is the second time that I'm sending out My Report I still see this Fraudenlt Account on My Credit Once Again I have been a victim of Identity Theft. I gave no one Permission to have Access to open any Accounts Under My Name. 
Thank you.
Product: Checking or savings account

According to the CITI bank website ( screenshot attached ), I can receive a {$1000.00} bonus for opening a new checking account while maintaining a {$75000.00} balance for 60 days. To ensure the promotion can be applied correctly, I opened an account at the CITI Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX NY, so that the process can be taken care of by a professional banker. I opened an account with CITI banber XXXX XXXX. I deposited {$75000.00} into the account on XX/XX/2023, maintained it for XXXX days, called CITI banker confirmed already met all the requirements for the bonus, and transferred out on XX/XX/XXXX ( screenshot attached ). However, the bonus was never delivered to me and XXXX said I was not eligible when I asked him again ( email attached ). I am not able to resolve this with local CITI banker XXXX XXXX, or CITI online chat.
Product: Mortgage

Back in XX/XX/2018 I file a complain against Select Portfolio Serving., inc. I explained the situation " Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XXXX of XXXX with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. I keep talking to them to prove that the loan was paid in full. The loan was transferred to XXXX XXXX XXXX XXXX and they sold my property in an auction. I know in fact that I paid that loan in full. I don't have a place to go and I can get a new place since their company ruined my credit for many years. I want my house back because I have a home mortgage that I been paying for years to keep my home. This situation could be avoid if they listen and open an investigation on our case years ago.
Product: Debt collection

never gotten a bill from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX now threaten to take my home if i don't pay the bill the woman is XXXX  had another want the same thing to colloect a debt for XXXX i sent them a copy of the XXXX XXXX and they said they would not procide they would stop tring to collect because she was XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX  all have failed to delete paid off accounts
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : 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
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I have been in communication since late 2023 to inform them I endured an unexpected medical event / health issues resulting in financial duress. I have requested information or assistance with modifying the loan but have not received information back. I requested audit of the account because I made payments that were not applied to my account. As of the date of this complaint I am still awaiting a response back from the company. I have submitted correspondence to the company to no avail.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.