23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX 
I received a settlement offer from American Express.. 
In the amount of XXXX 
For a credit card debt.. 
From attorneys XXXX XXXX  XXXX, PA XXXX on the XXXX of XXXX I sent an email conditionally agreeing to the {$8100.00}. 

XXXX XXXX American Express Requested I sign a document regarding settlement in the amount of {$8900.00} Had this been a small amount increased I would have overlooked this but I have no idea why they've increased the amount of the settlement I think they're trying to manipulate me I have no clear understanding of how this happened.. 
I believe it's a bait and switch technique as I mentioned only 10 days separated the original agreement of XXXX 
And later {$8900.00} Now I have concerns about other potential fraudulent actions on their part please research and give me a verdict.. 

thank you I'm interested in protecting other consumers
Product: Debt collection

I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?
Product: Debt collection

They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account being reported twice on the credit report
Product: Credit reporting or other personal consumer reports

I search the Equifax data breach website and my worst fears was confirmed it identified that my information had in fact feel into the wrong hands. I will upload proof below. 

This debt furnisher/collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Checking or savings account

On XX/XX/2019 I was at XXXX XXXX in Florida. I used an ATM to withdraw {$100.00}. Then my account was hit multiple times for {$800.00} overdrafting my account. We were not notified by Td bank. Upon our arrival back home to Ny on XX/XX/2019 I checked my account to find that transactuon posted on that same day. I notified the bank to make a complaint. I was told it was impossible for me to make those withdrawals due to the speed of the transaction. I was told provisional credit would be available. That did not happen and again I was not notified by TD bank.I went to our bank to complain 3 times.Again they said it was impossible to make such transactions. Upon calling XX/XX/2019 found out the claim was denied.I Filed again and promised provisional credit would be available on XX/XX/2019. Upon calling again on XX/XX/2019 I was told the claim was denied on XX/XX/2019. Still not notified by TD Bank. Since then with overdraft fees the bank has taken my child support check which is my only source of income which brought to call CFPB XX/XX/2019 to file my complaint. Thankyou for any and all assistance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting open when it should have been closed company was suppose to send verification but it was never received
Product: Debt collection

We received an Order Of Withholding From Earnings from National Enterprises Systems for an employee. It appeared to be an official order compelling us to send the employee 's wages, citing Federal Laws in the letter. The letter stated if the wages were not received by XX/XX/2018, they would consider legal action against XXXX XXXXs.

After looking into National Enterprise Systems, it appears this is common practice for this company and it is illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 A 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 a account without written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Product: Checking or savings account

My XXXX  and I requested that a Secondary Beneficiary be added to both our Checking and XXXX account. We wish to make our XXXX the secondary beneficiary. Ally bank does not offer this. You may only add a beneficiary then assign percentages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue with Equifax is that they will not let me log into my Equifax account to check my dispute status and other services they offer. I called up Equifax two different times about the issue and got two completely different ways to fix it. The first person said that they would send me an email saying my account is fixed, but that has yet to happen. The second representative said that I had to fax in my social security card and other personal info. It does not seem like there is any process or the people who help you through it are not trained. Whenever I log onto Equifax I am given a number to call and it connects me to one of their representatives who can not help me access my account. 

I submitted a dispute with Equifax over the phone. I also reached out to the lender and they said they would fix the mistake on my credit report. It is important that I have online access so that I can monitor the status of my dispute.
Product: Mortgage

I applied for a mortgage loan on XX/XX/2023. Upon submission of the application, I was paired with a loan officer by the name of XXXX XXXX. XXXX. 

She advised that their automated underwriting system didn't " score '' my application well and later shared that they would need tax returns. I declined to provide. However, I requested the application be submitted without tax returns ( federally-protected information ). XXXX says she submitted the application on my behalf without the information. After my second attempt at requesting a reference ID, she shared that the loan number is XXXX and that it is now " out of my hands ''. 

That information was given to me on XX/XX/XXXX. Over a week after I sent in the original application. Today is XX/XX/2023 and I have NOT received any mailed or emailed update regarding my application. I have NOT received any approval or denial notice either and I know for a fact either of those are to be provided to me. 

I'm seeking to remedy this issue now before moving forward through other means.
Product: Money transfer, virtual currency, or money service

I have an account in TD bank. A fraudulent used my name to withdraw money from my account. The person stole my money of {$4700.00} in the summer of 2021. But the bank refused to compensate. 
My account # XXXX Case reference # is XXXX or XXXX All the best
Product: Debt collection

After my last dispute & complaint against this collection agency, they began reporting the two alleged collections accounts incorrectly on my XXXX credit report. The two accounts were originally reported as Open under the " Collections '' section of the report. As of XXXX  2023, PRA is reporting the alleged collections accounts as Closed under the " Other Accounts '' section of the XXXX credit report. On both of my XXXX XXXX XXXX credit reports, PRA is reporting them as Open under the " Collections '' sections. This is beyond confusing and ultimately frustrating when my legitimate creditors access my credit reports. This discrepancy makes it appear as though I owe duplicate alleged debt collections to PRA when I actually do not own duplicate alleged debt collections.
Product: Credit card

RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
XXXX XXXX
Product: Debt collection

Company has bought my information from another company without my consent, company has sent me letters with there stamp on envelope and letter. company has not provided a purchase agreement
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! 
Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form UNIFUND CCR LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax,XX/XX/XXXX and XX/XX/XXXXCRAS. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUOPLICATE COMPLAINT. 
IT PROVIDES NEW REQUESTS AND DOCUMENTATION. 


To Whom it may Concern, Equifax continues to not report a third ( two have already been submitted ) positive account on my credit history despite attempts to get them to do so for over a year. This account is in good standing and has never been late and was always on time with no missed payments.

This is hurting my credit rating and history dramatically. 
XXXX has also been contacted and asked to submit a correction to both Equifax and XXXX XXXX as XXXX is also not reporting it. ONLY XXXX is reporting the item. I have attached their report containing the file information as it should appear on both XXXX and Equifax. 
Ironically Equifax and XXXX XXXX both continues to report FRAUDULANT items on the report while not adding these valid positive items. 
I was a fraud victim and they have been notified dozens of times about the fraudulent item still in question, a XXXX XXXX account, that is not mine. They were provided a Law Enforcement ( APS ) report, as well as FTC, CFPB, XXXX and additional supporting documents that validated the claims. 
These items should be blocked immediately, as I was also medically unable to make decisions for myself at the time, and can not be held legally liable for them as such. Both the fact I am legally XXXX still from that accident and the XXXX supports that, and the APS report showing I was the victim of financial exploitation of a vulnerable adult bear the burden of proving this fact. 
Id ask this account listed from XXXX be added immediately to the report. 
The agency has all the information it needs to identify and contact the vendor to make sure this happens. 
I would also ask the other account from XXXX XXXX, and fraudulent inquiries from XXXX and XXXX XXXX XXXX on the XXXX report be removed immediately as I was denied housing due to too many hard inquiries and the fraudulent account. 
Following is the demographic information needed for the dispute process. 
My ID ( passport ) is attached My Utility ( XXXX XXXXXXXX XXXX is attached XXXX Payoff Letter attached Affirm account ( information provided by XXXX and then confirmed by phone with XXXX  )
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$810.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX-XX/XX/2020, I traded cryptocurrency on a legal, secure platform and used PayPal as a method of receiving payments. I instructed the buyer to make screenshots from her own account as a form of receipt and made sure she was paying from her own account. 

However, I received a message from PayPal, saying buyer has opened a case against me and claimed the transaction was unauthorized and asked the payment to be reversed. I uploaded evidence on PayPal 's portal, including 1 ) XXXX as legal cryptocurrency trading platform ; 2 ) evidence that I have already delivered the currency to buyer 's account ; 3 ) screenshot from buyer, clearly showing that buyer was able to use own account to make payment and screenshots. It is definitely an authorized payment from buyer 's end. 

After uploading these convincing evidence, PayPal did not contact me once before closing the case in buyer 's favor, and immediately deducting the payment with {$20.00} chargeback fee. I believe it is PayPal 's responsibility as a third party digital wallet vendor to make sure it prevents fraudulent access to accounts, not only mentioning that these evidence strongly prove the buyer 's account was in her own possession when she made these payments.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. The first inquiry in question was apparently made by, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX -Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Inquired on XX/XX/XXXX XXXX  XXXX TransUnion XXXX XXXX, XXXX Factual Data XXXX XXXX XXXX, XXXX Factual Data TransUnion XXXX XXXX XXXX also filed a identity theft report with FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident type THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX