23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In late XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX, which from what I understand is a collection unit of PayPal , Inc . It said that I owed them {$7000.00}. I have never in my life had a PayPal account and honestly had no idea you could owe them money as I thought it was basically an internet wire service where you had to have the money upfront. Clearly this is not the case, as I would later find out, though I still don't completely understand how these scams work. After calling PayPal 's customer service and fraud areas and spending countless hours on the phone, two separate investigations concluded that they could find no evidence of fraud. What's really galling is they will not give me any information about the account history or anything else that may help me prove that I did not make these charges or whatever they are because I could not provide the correct e-mail address or phone number on the account. That is tough to figure out when the fraudsters gave their own contact info so that I would not be contacted. One customer service agent did tell me ( I believe against their rules ) that it had to do with web development services and asked if I had ever done that type of work. I just laughed as I'm a pretty big technophobe and still use a flip phone. Apparently, these charges that I still don't understand happened between XXXX and XXXX of XXXX until the account was closed by PayPal. While I understand that the account was opened with basically all of my information other than the e-mail and phone, I find it hard to believe that it would not be simple to prove that I did not make these transactions or open the account if they actually did a real investigation. I believe I could prove it if I had access to the account transaction history and other account details that they refuse to provide. I don't know the exact date but I did send a letter to the collection agency saying that it was identity theft and not to contact me again. On XX/XX/XXXX, I filed a police report with the city of XXXX as I was instructed to do by an identity theft attorney in XXXX. I also submitted an identity theft report with the Federal Trade Commission on XX/XX/XXXX. After many more phone conversations that went nowhere, I sent a letter on XX/XX/XXXX to the PayPal , Inc. legal department with proof of my identity, the police report, a completed FTC Identity Theft Report and requested all records related to the fraudulent account, which is required by law. I also included a copy of section 609 ( e ) of the Fair Credit Reporting Act, which requires them to provide me with this information. I received no response, but did get another collection letter from a different collection agency dated XX/XX/XXXX. On XX/XX/XXXX, I sent another copy of that same information to the PayPal , Inc. legal department requesting all information on the fraudulent account, as per my legal rights. Again, I received no response.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

TrustedID XXXX by Equifax The website is impossible to reach and the XXXX number posted is never open. The enrollment for credit/ID protection due to the recent hack of Equifax is difficult to navigate and the process is never ending compounded by the severe difficulty to even log in to my account. 

There is always a XXXX wait for each phase of the protection enrollment but there are very long delays due to the website to log in is always down. 

Equifax is falsely advertising that it is taking care of the 140+ million names that have been hacked but days are passing by fast without any real expeditious help from Equifax to protect us. 

Equifax management should be prosecuted for this horrible breach of consumer identity protection.
Product: Debt collection

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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I am asking that you send your methods of investigation along with all records of who you spoke with, their business addresses, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information within 15 days, update the account to PAID/NEVER LATE and send me a copy of the updated report. 

XXXX XXXX XXXX Date opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX  - Opened on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX  # XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I have been actively looking for vehicles on Carvana since XX/XX/2022 with the intentions on financing utilizing my consumer 's rights via consumer credit transactions. However, each and every option that Carvana has available requires a down payment ( violations of 15 USC 1601 and 15 USC 1662 ).
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

Sun Trust Bank allowed an account to be opened with my name and address and a social security number that deviated one digit from my true social security number. An account was opened fraudulently with my information on XX/XX/2020 and the account was immediately overdrawn. They did not verify identity and let someone open an account in my name without identification or proper social and let them overdraft the account, when I call to get info they refuse to give me any info due to the fact that the social they used is one digit off even though the account is in my name and they used my address. There are no brick and mortar suntrust banks in my state ( Oklahoma ) so I have no way of finding out whats going on when they are using my information.
Product: Mortgage

Suntrust Mortgage is dunning me for a payment I've already made ; my bank statement says they received the {$1400.00} payment on XX/XX/22 but they sent out the dunning letter on XX/XX/22. This is the second tome I've had this problem with Suntrust. They resolved a previous XXXX complaint satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of XXXX my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my Citi bank mastercard number was used by an unknown person for a purchase of {$3000.00}. I reported the fraudulent charge to Citi bank and was credited by Citi bank for the full amount. Apparently the company that accepted the fraudulent charge issued a credit to Citi bank of {$2900.00} for this same transaction. Citi then charged my account this same amount {$2900.00} on my XXXX statement but never applied the merchant credit to cancel it out. They are now claiming that I owe {$2900.00}. I have called at least 10 times and have been told numerous times that it will be taken care of. It has not. Citi bank is now calling me and saying that my account is past due. They have charged me interest and late fees and it is affecting my credit score, which has never had a late fee reported. I don't want to pay for a fee I had nothing to do with, but I am concerned about my credit score. I would appreciate your help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent serval letters regarding the inaccurate information on my report on XX/XX/2020, XX/XX/2020, XX/XX/2020. The inaccurate information still remains on my report.
Product: Debt collection

XX/XX/2021 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account where they clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for roughly 60 calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I called and requested that the remove these unknown inquiries. I also provided them with my FTC report from 2022 and updated report from this year in XXXX showing I have been a victim of identity theft after being robbed at XXXX XXXX. They have removed any of the inquiries.
Product: Credit reporting or other personal consumer reports

I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # XXXX. 15 U.S.C 1681 section 602A States that 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. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), there is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANAGEMENT XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Credence Resource Management, I am writing to formally dispute an error I found on my credit report. Upon reviewing my report, I noticed that the [ XXXX ] account has an incorrect account opening date listed. The report states that the account was opened on XX/XX/XXXX but according to my records, the correct opening date is XX/XX/XXXX. I am writing to formally dispute inaccurate and outdated information on my credit report. I noticed the following errors that require immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ) : CREDENCE RESOURCE MANAGEMENT [ AT & T ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has exceeded the legally allowed reporting period of seven years and should be removed from my report.

Under the FCRA, negative information must be deleted after seven years ( except for bankruptcy, which has a different time frame ). Please ensure this outdated account is removed immediately. 

I have attached supporting documents, including mention any supporting documents to verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report with the correct information. 

Please provide me with a written response regarding the results of your investigation. If you determine that the information is indeed incorrect, I request that you send me an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Last XXXX, someone stole XXXX dollars from my Paypal account. There is some loophole where Paypal allows sellers through XXXX to charge PayPal accounts unauthorized. This issue is known to Paypal there are hundreds of people who have fallen victim to this scam and complained online. Here is a link : https : //www.paypal-community.com/t5/Disputes-and-Limitations/SCAMMER-WITHDREW-ALL-MY-MONEY/td-p/2074758 # First, it was very difficult to reach PayPal support XXXX I called, emailed, messaged on social media. It took me months to get a response and get through. I submitted a complaint and the response they provided didn't even make sense. They said : The transaction wasn't eligible for Purchase Protection and cant be refunded. This is insane. I did not make a purchase. I want my money back. Its true that it took me 11 months to lodge a complaint, but I deposited my money with PayPal to keep it safe. Its not in the terms of service that they will give my money away unless I check my statements monthly. 


Case ID : XXXX Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Checking or savings account

JP Morgan chase- I deposited a check for {$4000.00} on XX/XX/22 but when i tried to withdraw a portion of it from the ATM, it gave me an error message indicating JPM Chase is in process of correcting a debit for {$3600.00}. I returned to the bank on XX/XX/22 to speak with a representative as the error had not corrected and I could not withdraw the {$3600.00} to pay my contractor. Per customer support, this is uncommon but does occur and I should be credited back the missing funds in a matter of days. However this doesnt seem like a fair practice to withhold my funds for days when I need to withdraw to pay my bills. If the cash withdrawal had been for my rent payments this would have been a bigger deal.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and Im a customer of Bank of America. The bank of located in XXXX XXXX, ca zip code is XXXXthey have three staffs helping out those who has needs for wiring/transfer needs! 

Today I make a transfer I come in the bank and I sign in thinking I will get seen soon but the people with an appointment get seen first, making me wait for over an hour. Which is unfair for those who are waiting!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting : XXXX I noticed a Bankruptcy is reporting on my credit report. However, it's only reporting in XXXX and Experian. This bankruptcy should NOT be on my credit reports as its not properly validated and its violating my FCRA laws. 

In accordance with the Fair Credit Reporting Act, you have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions and proper validation.