23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit AgreemenXXXX ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Money transfer, virtual currency, or money service

There are 4 parties involved. 
1. XXXX XXXX, XXXX of XXXX XXXX. 
2.Paypal 3 . XXXX XXXX XXXX financial institute which PayPal wouldn't disclose to me 4. Me the victim Paypal is the platform allowed this fraud to happen. 

XXXX XXXX 's signed lease for her company XXXX XXXX to rent my rental house. They use PayPal account XXXX to pay me rent via Paypal 's " friends and family '' category. 

After about 2 years, XXXX stoped paying rent XX/XX/2019. Eviction was filed and XX/XX/2019 county sheriff dept. performed the eviction restored the house back to me. 
Lease, writ, sheriff notice of restoration all available upon request. 

XX/XX/2019 XXXX XXXX filed dispute via Paypal to refund the XX/XX/XXXX. rent  {$2600.00}. 
PayPal immediately refunded to XXXX and made my account negative. 

I called PayPal and was told PayPal DOES NOT review this type of case even tho they claim they would. All PayPal would do is to forward my supporting documents to XXXX 's financial institute ( probably her credit card company ) which takes no interest in me and let them decide. The decision made by XXXX XXXX 's financial institute could be very biased against me! 
PayPal refuse to disclosed the name of XXXX XXXX financial institute. 

This is a financial crime committed by XXXX XXXX and her company XXXX XXXX Paypal allowed it to happen without even reviewing the case.
Product: Credit reporting or other personal consumer reports

RE ACCT NO # : XXXX XXXX XXXX XXXX XXXX Notice of Improper reporting on credit consumer credit report Please be advised that this dispute is in regards to the improper reporting of the consumer report. It has come to my attention that your company is violation of title 15 USC 1681 ( a ) ( 2 ) ( i ). The consumer report is reporting the CREDIT UTILIZATION, which is EXCLUDED from the consumer report. ( 2 ) EXCLUSIONS.- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE. ( i ) report containing information solely as to the transactions or experiences between the consumer and the person making the report. Finally reporting late payments are illegal and credit utilization reporting are illegal, these are XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. PLEASE REMOVE ALL TRANSACTIONS OR EXPERIENCES BEING REPORT WITHIN XXXX  DAYS
Product: Credit reporting or other personal consumer reports

MD Code, Commercial Law, 2-725 2-725. Statute of limitations in contracts for sale.1 ) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it.

( 2 ) A cause of action accrues when the breach occurs, regardless of the aggrieved party 's lack of knowledge of the breach. A breach of warranty occurs when tender of delivery is made, except that where a warranty explicitly extends to future performance of the goods and discovery of the breach must await the time of such performance the cause of action accrues when the breach is or should have been discovered. 
( 3 ) Where an action commenced within the time limited by subsection ( 1 ) is so terminated as to leave available a remedy by another action for the same breach such other action may be commenced after the expiration of the time limited and within six months after the termination of the first action unless the termination resulted from voluntary discontinuance or from dismissal for failure or neglect to prosecute.

( 4 ) This section does not alter the law on tolling of the statute of limitations nor does it apply to causes of action which have accrued before Titles 1 through 10 of this article becomes effective.

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates.
Product: Debt collection

I have attempted to reach XXXX wireless to itemize this bill without success. I am unclear about the charges that are being represented. Furthermore, both XXXX XXXX and a third party collection agency are attempting to collect this debt, which would result in significant overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. XXXX, XXXX and Transunion hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom is reporting inaccurate information on my credit report about being late. They are Reporting late on XXXX and XXXX and on time on XXXX.
Product: Credit card

My XXXX card, email adress, phone were hacket along with my IP address. The hacker purchased concert tickets in XXXX from XXXX XXXX. XXXX  XXXX provided proof of purchase. Becasue they got my IP address my credit union said, I made the purchase and would not credit me back the money on my XXXX  card. 
XXXX XXXX ticket sale XXXX. Date of sale XX/XX/year> XXXX XXXX and XXXX XXXX. {$620.00}. 2 Section : " 4 '' Row " T ''. I should go there and see who bought these tickets. HACKERS DO HACK IP ADDRESS!.
Product: Checking or savings account

I had unauthorized charges on my debit card. Its an ongoing problem. I do not look at, y online banking often because I know what I spend and you would think I would get notified of these charges. But when I looked at my account on XX/XX/XXXX I saw, y account was drained and there was a ton of unauthorized charges. I spoke with XXXX at Wells Fargo and she helped, XXXX with my claim. She noticed there was an XXXX and XXXX XXXX attached to my account with a phone number I did not recognize and I do not have an XXXX. She deactivated it and suggested I file a police report and get my phone checked for viruses or fraud. My dad got me a new phone and we filed a police report. But today my claim was denied. All my money and tax return is gone and XXXX cant even pay rent now. Wells Fargo did not call and ask me any other questions as they went through the claim. These were all unauthorized and I shouldnt be liable for charges I did not make. I ve banked with them since XXXX and am furious that this has happened and that this was there response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Nissan Motor Acceptance Corporation ( NMAC ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, NMAC sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to NMAC was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with NMAC multiple times in XX/XX/XXXX to resolve this issue, it was determined by NMAC that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to NMAC, along with a copy of the XX/XX/XXXX letter from NMAC that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the NMAC payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the NMAC leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that NMAC verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by NMAC.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a debt validation request through the CFPB, to XXXX XXXX XXXX, asking them to provide specific documentation to substantiate the debt they claim I owe them. As of today, XXXX XXXX XXXX has failed to provide the necessary documentation as required. The documentation requested included : 1. **A detailed history of payments** made by me on this account, including dates and amounts of each payment.

2. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor.

3. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims.

4. **Proof of their authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to their agency. 

XXXX XXXX XXXX only responded with a verification that the debt was owed to the original creditor, which is insufficient and does not meet the requirements of my request. As they have failed to provide the requested documentation, their claim is unverified and invalid. Consequently, this account should not be reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I am requesting that Experian conduct an investigation into this matter and immediately remove the XXXX XXXX XXXX account from my credit report due to their failure to validate the debt as required by law.
Product: Student loan

Hi, I was looking for to apply for the loan for XXXX XXXX XXXX. It was XX/XX/22. 
I registered my account on Salle Mae website to get more information on loan requirements. 
When I registered on their website it was no clear data on loan application processes. 
I noticed that it was some misconduct and negligence involved when I filling out my application online. 
1- when my application was completed many of the fields in application was empty such as my work history, education level and etc.

2 - My application was declined based on my origins, and its in official report, which is contradict their own rules. When they posted decision of my loan it was specifically said that my loan was declined because national origin! And I know they can not discriminate loan applicants based on place of nationality!!! 
Conclusion : -My loan was declined based on national origin. 
- My loan inquiry was reported to XXXX XXXX services which effected my XXXX XXXX XXXX -they knew I will not be qualified for loan, but they still proceeded my application which caused my XXXX XXXX goes down - and Im feel being Discriminated by their financial institution. 
Solution :- they should cease and desist in their further harmful actions which effected my life and my financial stability. And take all false information from credit reports.
Product: Credit card or prepaid card

I have a decent credit score of a XXXX. I was going to my different credit card companies that I already belong to to see about getting a limit increase so that I could raise my credit score and finally get to the XXXX club. They all told me whether or not it would be a soft or hard pull except Best Buy. When I tried doing this with Best Buy and their credit card on their app, it did say that theyre going to do a pull on my credit report but I was under the impression it was a soft pull. It didnt say it was going to be a hard pull. Im not applying for a new credit card, I was just applying for a credit limit increase. If they wouldve told me it was going to be a hard pull I wouldnt have authorized it. When I called, they said that there was nothing that they could do because it was already processed and I would have to call XXXX. When I called XXXX, they told me I would have to contact you. In the end if Im not able to get this taken care of, I can at least worn others that this is the case. That if you do a credit limit increase through Best Buy they will indeed do a hard pull. Which I was unaware of.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated severely, my consumer report is extremely inaccurate and a clear misrepresentation of who I am and my credit worthiness. Besides being involved in Equifax data breach I do not see how credit bureaus made the mistake of allowing this many inaccuracies or fraudulent accounts take place. I am requesting an immediate removal of accounts filed in ftc report along with my XXXX and proof of who I am. XXXX, Equifax, and XXXX will not allow me to access an account for a free version of my credit report so I was forced to purchase from credit hero and I have included each unverified and inaccurate piece of information allowed to be place on my consumer report. I am completely disheartened and mentally struggling due to the unfair practices being allowed on me as a consumer. 

- I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists -Violation of XXXX XXXX XXXX ( a ) ( XXXX ) B ) ( il )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX, MD XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX : {$730.00} XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX Balance : {$840.00} XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Hunter Warfield has Inc. has reported a debt to the credit reporting agencies without providing me with the required validation information, as mandated under 12 CFR 100.634 ( B ) ( 5 ). furthermore, I was not given any opportunity to dispute this account, as required by 12 CFR 100.634 ( a ) ( 4 ). These actions are in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure of Hunter Warfield inc. to adhere to these legal requirements has caused me significant distress and has adversely affected my credit. actions constitute a clear violation of my consumer rights, and I believe they have used false and deceptive means to collect this debt.
Product: Money transfer, virtual currency, or money service

I had a customer pay for a service using a Chase XXXX payment link. I have been a Chase XXXX Account customer for over 5 years and this was the first time using the feature. 
My customer was able to pay for the full {$2300.00} using the payment link, I see that this payment has a status of paid, however the funds are not being deposited into my account. I've reach out to Chase today several times and they claim that they emailed me on Wednesday XX/XX/2024, with a reason, but that email was never received! The reps refuse the tell me the reason and continuously site that the information is in the email I did not receive. They are now placing a 120 day hold on my funds and this has negatively impacted my business and I will not be able to pay my workers for the week. I've been a loyal customer of chase for a long time, but I can not continue to recommend Chase after this terrible treatment, and gas lightning. 

Please note that this is the first and only time I've accepted payments via the XXXX option.
Product: Debt collection

In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.
Product: Credit reporting or other personal consumer reports

I have not had an updated credit report since XX/XX/scrub>XXXX XXXX  i get errors saying Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. or that I dont have enough info for credit report which I know is wrong. Ive even tried to update my new address and still nothing Ive cont aged them several times and they act like they dont know whats going on Ive even sent them documents of my new adddesss and identity verification still no credit report. Ive tried applying for credit cards and they pull experian and XXXX denied because they say they arent able to pull my credit report from experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Product: Debt collection

AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.