23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sold products to a client in XXXX. A few hours after PayPal accepted the clients money, they sent me a mail stating that they are closing my account and they have seized my funds. I asked them to return the funds to several clients who had paid on the same day since it would be unfair to deliver these items if I would not be paid for them. 

On the XXXX XX/XX/2022, one of those clients wrote to me and informed me that according to PayPal, I had lodged an appeal to not return the money. 

I told the client that I would never do such a thing, and that it must be a mistake. A few hours later, I received a mail from Paypal which referred to " my appeal ''. Within the same minute, I received another email from PayPal stating that my appeal was rejected and they then took a rejection fee from my account and charged me for the refund. 

This is clearly fraud. I made no such statement. I wrote to the customer support, and they replied with an incoherent and unrelated " copy and paste '' response. 

I made contact with XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ) on several occasions, but they have ignored my email.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

They flagged my account on the credit bureaus as collection. I have no idea who they are and I certainly am not in debt with them.
Product: Credit reporting or other personal consumer reports

Every month all companies continues to share my information every month without my consent Ive requested a letter from the companies to opt out of any and all authorizations using my personal information to no avail which is my right by law I incorporated all the laws to represent my claims
Product: Student loan

From XXXX XXXX XXXX : Loan amount : {$28000.00} The lender, XXXX XXXX XXXX XXXX XXXX, the companies couldnt prove was owed. There were false and misleading documents. 

The trusts purchased and securitized my loan, and then sold notes secured by the loan to investors. The trusts have no employees but instead use service providers to interact with consumers about their loans. 

XXXX XXXX XXXX XXXX XXXX is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. 

XXXX XXXX XXXX XXXX Trusts are fraudulent, lying, and manipulative that use unfair collection tactics and will forge/falsify documents at will to suite their own needs. 

I am please asking that this loan be discharge based on falsifying this loan contract and transferring the information with out my consent and forged my personal information for payments to suit their own needs. 

I am please asking for someone to contact me about this matter asap. 

Thank you.
Product: Student loan

I can't reach a supervisor to discuss issues with my PSLF forgiveness. Mohela shows my forgiveness only going back to XX/XX/XXXX when it should go back to XX/XX/XXXX. This has caused my PSLF payment count to only go from XXXX/XXXX to XX/XX/XXXX. My loan has been forgiven but if my payments were properly accounted for, forgiveness should be from XX/XX/XXXX to XX/XX/XXXX. That would mean any payments after XXXX would be refunded. 

I've tried calling Mohela several times to discuss this with them but whenever I contact them and get transferred to a supervisor I either get disconnected or wait on hold for hours and no one picks up.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
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. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXL # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

During the tax year XXXX, I paid over {$42000.00} in mortgage payments to Seterus. However, Seterus sent me Tax Form XXXX for the XXXX, showing XXXX was paid in mortgage interest. See the attachment. 

This clearly an error. In XXXX, over {$25000.00} of my mortgage payments went to mortgage interest. Someone at Seterus should have realized XXXX error before sending the form. 

On XX/XX/XXXX, I contacted Seterus by phone. I thought that it would be a simple matter of looking up my account and giving me the number over the phone. However, the staff person I initially spoke to said it could take two to three weeks! I asked to speak to a supervisor and was put through to XXXX XXXX. He promised hed get back to me by the end of the week, XX/XX/XXXX. 

I never heard from him.

Seterus is violating federal law. Tax forms were to be mailed by XX/XX/XXXX. By Seterus submitting an incorrect Form XXXX, they effectively submitted no form at all. 
Seterus error is preventing me from filing my XXXX Federal and State Tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Prepaid card

Purchased and received card from Amexgiftcards.com Was able to use for XXXX purchases. Now every other purchase has been declined. Have no access to funds. It's very time consuming and embarrassing. Numerous complaints online about similar issue. 
This is a known problem and they should be banned/fined from selling the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FOURTH COMPLAINT towards TransUnion for violating my rights as a consumer. TransUnion has violated my rights under the Fair Credit Reporting Act pursuant to Section 605B 15 U.S. Code 1681c-2 Section 602 15 U.S. Code 1681 ( a ) ( 4 ) ( b ) Section 604 15 U.S. Code 1681b ( a ) ( 2 ) These accounts listed below are a result of identity theft XXXX XXXX XXXX XXXXXXXX i sent all the proper documentation needed and stated under 15 U.S. Code 1681c-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), TransUnion did not delete these fraudulent accounts within four business days. After 7 business days, I followed up with TransUnion and they stated it did not fit their Criteria for deletion. In addition TransUnion NEVER Contacted me to see if this was accurate or a result of Identity theft. I NEVER GAVE TRANSUNION WRITTEN INSTRUCTIONS TO FURNISH THIS ON MY REPORT AND THEY INFRINGED ON MY PRIVACY BY DOING SO. Which is a clear violation of 15 U.S. Code 1681 ( a ) ( 4 ) ( b ) and 15 U.S. Code 1681b ( a ) ( 2 ). Furthermore TransUnion did not ensure that they exercise their grave responsibilities with fairness, confidentiality, accuracy, impartiality, and a respect for my right to privacy. In a manner which is fair and equitable to me as the consumer. TransUnion willfully and negligently failed to comply with respect to all the imposed requirements under FRCA Section 605B, 602, and 604 with respect to me as a consumer. I've spent a considerable amount trying to get help equitable help from TransUnion. TransUnion falsely reporting these fraudulent accounts on my report is Defamation of my Character. Furthermore, TransUnion created a deceptive form that made the creditors believe i was in debt. Subsequently, i was discriminated against and denied my right to extend credit! I've suffered a great amount of stress and embarrassment due to this. Therefore, TransUnion is liable pursuant to Section 617 15 U.S. Code 1681o of the Fair Credit Reporting Act I demand the Fraudulent Items be Blocked and Deleted! 

I've attached a copy of my identification, FTC identity theft report, my updated statement an invoice, and a copy of section 605B, 602,604,616, and 617 of the Fair Credit Reporting Act. I look froward to your prompt response.
Product: Debt collection

In 2018, I closed my XXXX account over the phone with a representative because I moved. Few months go by, I received a alert that XXXX reported me to collections for a balance of {$500.00}. I contacted XXXX and found out the original rep that I initially spoke with never cancelled the account leaving it open to accumulate a balance. I advised XXXX that I called in to cancel and I returned the equipment. XXXX validated that the account should have closed and the equipment was received and the account balance would be adjusted. I disputed the debt and it was removed from my credit profile. 

A year later, I received another alert for the same debt with XXXX but with another collection agency. I disputed the debt and it was removed from my credit profile. This year in XXXX, I received another alert for the same debt. I contacted XXXX to see why this keeps getting reported. Nothing was ever adjusted. After, hours on the phone, no one was able to really help me. I had no other choice but to contact XXXX XXXX XXXX through social media which I have in writing that they adjusted my account and the account is at {$0.00} balance. 

This past month, I get another alert for the same debt. I contacted the collection agency and advised them that this is not valid and XXXX should have adjusted the account. I was advised by a rep at the Collection agency that XXXX adjusted the account but left the account $ XXXX cents. The rep advised that since there is a balance left it will still be reported as unpaid. 

At this point, I have made several attempts to resolve this issue and have no resolution. I have no choice but to file a complaint on this issue. I never received notification from XXXX of ever having a balance and was sent to collections multiple times. This inaccurate reporting affected me financially as it lowered credit score. I am currently trying to buy a home and with this inaccurate reporting it is causing me to pay more on my mortgage and my closing costs.
Product: Debt collection

I've disputed with this company and sent a dispute letter on XX/XX/XXXX. What I got back is incomplete. Where is the HIPPA form, license to collect in my state, copy of the furnish of debt???

So again I will ask again : I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.
Product: Credit card

Submitted Negotiable instruments to set-off account, Tender of payment mailed to XXXX XXXX CFO..given 3 Notices 5 business days to respond between Notices. Received Notice from JP Morgan that my negotiable instruments were " conditional payments ''! This is a fraudulent statement and derelict of their fiduciary duty to the account.
Product: Credit reporting

Your Report Number is : XXXX Your Investigation ID is : XXXX After obtaining a copy of my credit report i noticed an outstanding account that i did not recongnize. I submitted an a Dispute online. Experian seems to only have " validated '' the account without apporpriately verifying and investigating the account. I have visited the original creditor and obtained a statement of all accounts which apply to me. This account is not listed. and no records were able to be obtained. Experian allowed me to notate on the account my dispute but would do nothing further to resolve the situation.
Product: Debt collection

Southwest Recovery Services on behalf of XXXX XXXX unlawfully filled collection action on behalf of XXXX XXXX XXXX. 

In XX/XX/XXXX I was initially contacted by XXXX XXXX w/SWR about a bill from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX for a date of service of XX/XX/XXXX. which he said he received from XXXX XXXX XXXX in XXXX of XXXX. Is the timeline odd enough? Wait, it gets better ... 

I asked that he send me the bill and I would forward it to XXXX for payment because this was a worker 's compensation injury. He agreed and said that he would reach out to XXXX XXXX XXXX and provide me a copy of the bill, however, with the Covid going on, he was not confident that he would get a quick response. 

He called back a couple of times, left a message, I returned his calls and I reminded him that he said he would get me a copy of the bill so that I could provide the same to XXXX for payment. He said that he had reached out to XXXX and had not heard back from them. 

I never received any written or electronic correspondence from SWR whatsoever. 

The burden of proof roles flip : On XX/XX/XXXX I was notified by the credit bureau that I had a collection activity on my credit report. I called SWR and could not reach Mr. XXXX, nor has he returned my call. So I called XXXX myself talked to someone in the billing department who said that all of my XXXX XXXX bills have been paid in full and suggested that she could transfer me to the Physician billing Department. I then spoke to Ms. XXXX XXXX in the Physician billing department who indicated that during my visit on XX/XX/XXXX I was not seen by XXXX XXXX and my bill was paid in full by the XXXX  for all of my visits to their facility. Ms. XXXX email me an itemized statement for XX/XX/XXXX which clearly shows that I was never seen by XXXX XXXX nor is he affiliated with XXXX. 
Fun fact : I am unable to find a XXXX XXXX practicing in XXXX  She went on to say that XXXX has no relationship with XXXX XXXX nor Southwest Recovery Services and clued me into the fact that SWR had no right to negatively impact my credit without providing an itemized statement prior to reporting credit bureau. 

Based on my investigation Southwest Recovery Services had no legal right to initiate collection activity on behalf of XXXX because XXXX doesn't have a contract with SWR. They can not produce a bill or statement of services and yet this did not stop them from their collection efforts. 

One thing is clear : Their approach is disorganized, irresponsible, and caused unnecessary harm to my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax is not helping me to remove these Inquiries, I am practicing my right to challenge questionable information that I have found on my personal credit report. These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. I found I was not the one who authorized this inquiry, I'm asking that that be removed immediately from my credit file.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been contacting Experian regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for XXXX  to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.