23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent
Product: Debt collection

I owed a debt with XXXX XXXX. After nonpayment XXXX XXXX hired another company to collect the debt. On XX/XX/2022 ICSystems was recalled from the process. I since paid the bill. I called XXXX and they verified that on XX/XX/2022 the account was paid. I have called ICSystems numerous times and disputed my credit report. They refuse to delete the collection from my report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} - Late/Closed XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} - Late/Closed RNT DEBT ( Original Creditor : XXXX XXXX XXXXXXXX ) Account Number XXXX Date Opened XX/XX/XXXX {$4500.00} Collection Inquiries included in dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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

I started doing business with  PayPal  in  XXXX  of   XXXX  . At that time my  credit score w as around  XXXX . Because I did a lot of business I was put on  a 21 -  day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my  XXXX  store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with  XXXX  ''.     During that time, due to funds being on my credit cards, my  credit score  took a temporary dip to  XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on  XXXX   XXXX ,  PayPal  checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my  credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal  is currently sitting on {$5800.00} and I 'm only  2/3rds t hrough the first round of reserves.     My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and  XXXX  kids, the money that PayPal is sitting on could pay off the loan of  one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal  since  XXXX   XXXX ,   XXXX  .     When I  ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior.
Product: Credit reporting or other personal consumer reports

Hi, Department XXXX XXXX XXXX is reporting inaccurate information on my credit report. There are three loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and Dept of Education keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX-year-old and newborn a new home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I noticed on my credit reports accounts that wernt mines
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was charged off XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXXXXXX XXXX XXXX Account XXXX : XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX requirements. 

The inaccurate entry is as follows : Creditor Name : Exeter Finance Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling out a complaint about Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection Act ( CFPA ). Specifically, cash app failed to be timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Third party check was verified XXXX XXXX on XX/XX/XXXX and another time on XX/XX/XXXX now they are saying the funds didnt post when we contacted the XXXX and tried to recall the check they said it was already posted and funds were paid. Now today they are saying the XXXX  didnt pay the funds this is complete XXXX my brother contacted the XXXX  and they paid the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since Synergetic Communication has no legal right to collect as I never signed a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so uncertain. It really gets on my nerves. I've submitted this complaint 4 times already & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional  & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Debt Collector - Phoenix I was alerted today by the XXXX XXXX app that my scored had dropped tremendously, over 35pts to be exact due to a medical collection for XXXX from XXXX XXXX XXXX XXXX that shows it was opened XX/XX/2021. There should be no medical bill issued under my name and further more i have not been contacted about any such debt. 

Please have this account removed from all the credit reporting agencies immediately!!!
Product: Credit card

In XXXX I signed a written agreement with Shop Your Way XXXX card for a XXXX fixed XXXX. Over time Citi Bank took over the account changing it to a variable APR jacking the prices up to unmanageable rates. Now they only give you the option to close the account through and automated system if you don't agree with there terms. Even though your original contract specified it was a fixed rate. These surprise hikes in interest have made it impossible for me to continuously pay them. It's unconstitutional for a company to change a person written signed agreement and then to continuously hike the prices up. I'm asking CFPB to act in regards to the people who agreed to fixed rates and stop these companies from hurting the American people by changing agreements and surprise hiking rates up to unmanageable amounts. I was able to pay these cards off before this now it's impossible. It's now become a chain that you can't get out of which is not a Best Practice Act. They were contacted on XX/XX/XXXX and no resolution was given.
Product: Credit card

To whom this may concern I have been applying for credit cards over the past years I have applied and filed for bankruptcy and now there are inquiries showing up on my credit report that is causing it to have a negative impact I do n't have credit cards with a lot of these companies but yes in the past I have applied to them understand how they 're able to keep calling me for my services and then when I applied they reject it and then they have a negative impact on my credit score I just want them to stop contacting me and take those things off of my credit report I need them to cease and desist I 'm doing all these things to my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of the platform and its services while keeping and or various amounts of transactions. Their dispute resolution process was unfair and offered limited to no customer support which is deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E!. These actions have caused significant Financial harm, Commercial Liability, unrepairable time lose and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.
Product: Student loan

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

On XXXX XXXX I used my XXXX card for a purchase only to find out I had a XXXX balance. When I called the Bank of America I was told a wire transfer of {$2300.00} was made without my knowledge. I have no information of who or where the funds went. I did NOT authorize this transfer of funds. I filed a fraud report with XXXX and the police. 

I am asking for help in receiving these funds back since I have NO knowledge of this event and I am a XXXX living on SS and need these funds to live
Product: Checking or savings account

XX/XX/2022 I woke to pay a bill and my entire checking/money account was frozen with all assets and due to my money account being frozen it prevented me from moving money from my save account to withdraw. I contacted the come who told me on a recorded line that they dont see why they have now know the reason for this but that it needed to be escalated and I will have to hear back in XXXX  days. XX/XX/2022 I received an email from the escalations team stating that they dont know what happen but it is being investigated along with a second email stating that they have now frozen my save account. My bills are now late and pst due with my money in limbo for no reason. Credit karma is holding $ XXXXusd. And wont tell me why. Their customer service says they can only email which is very scamming and misleading. They are giving me the run around while not allowing me to know why they have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.