23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> To Whom It May Concern at Absolute Credit, I am writing to formally request the immediate removal of a collection account that has been reported on my credit report. As of today, I have not received any documentation from Absolute Credit notifying me of the addition of this collection account to my credit report. 

Furthermore, I am aware of the legal precedent set forth in the case of XXXX XXXX XXXX XXXX XXXX, which establishes the importance of proper investigation and notification practices under the Fair Credit Reporting Act ( FCRA ). By failing to provide me with proper documentation and notification, you are in violation of multiple FCRA practices. 

I am requesting that Absolute Credit remove this collection account from my credit report within 10 days of receipt of this notice as well as {$3000.00} for the financial and emotional destress that this matter has caused. Failure to do so will result in me pursuing legal action, including filing a claim in small claims court for every violation which exceeds three as this has been dragged out over 6 months. Please be advised that any legal proceedings will incur additional expenses that far exceed the value of the alleged {$400.00} collection. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was established that a billing statement alone is not considered sufficient evidence of a debt. Additionally, a collection published on a consumer report is deemed to be a form of communication so that should be motivation enough to remove this account. 

Additionally, I am notifying you that I will be filing a formal complaint with the Federal Trade Commission ( FTC ) to ensure that all actions taken by Absolute Credit are in strict compliance with the law. I expect your prompt attention to this matter and request confirmation of the removal of the collection account once it has been processed. 

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

I opened a secured personal loan with XXXX XXXXXXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXXXXXX XXXX  charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH LEXISNEXIS. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX XXXX in XX/XX/2022. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution.
Product: Debt collection

The debt in hand is duplicated and should 've been covered by insurance.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 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 an 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. Accounts need to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for an Offer of credit with XXXX XXXX. XXXX XXXX ran a credit check on me with EQUIFAX. Equifax returned information stating that I was, '' DECEASED. '' As a consequence, I was Denied credit. 
I have made several attempts to having this incorrectly filed information fixed but Equifax continues to report me as, DECEASED. '' Please, I need assistance because Equifax will not report accurate information on my credit report and or File. I am Alive and Well and not Deceased as being reported by Equifax.
Product: Debt collection

At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017
Product: Bank account or service

My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks??
Product: Money transfer, virtual currency, or money service

My grandmother died last year. She left me inheritance money in a Synchrony Bank IRA account. Speaking with the bank, they offered to move the money into an IRA account in my name so the funds would be held in my name. Synchrony bank has made it incredibly hard to do so, and have yet to make that transfer. I submitted the proper information soon after my grandmother died, was sent the last amount of paperwork in XXXX. I sent the two forms back to the bank as requested, and heard nothing from them. I finally called and was told the paperwork was accepted in late XXXX, and the representative had no answer as to why nothing had happened. I was told to wait 7-10 business days to see the funds transfer to my account. That was in the beginning of XXXX. I called on Friday the XXXX and was told there was a snafu with my paperwork and a message would be sent to upper management to have it settled. I was not given the chance to talk to upper management and be given an explanation for their hindrance to this whole process. I am sick of dealing with this bank for almost a year now, trying to have the money that was legally left to me, accessible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with CashApp (

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, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and 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 inconveni
ence and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received.
Product: Money transfer, virtual currency, or money service

I sold three sewing machines on XXXX. These machines were personal items. I loaned money from my business to family members in anticipation of these funds. PayPal has for no reason taken my money i.e. {$7000.00} and told me they are closing my account and keeping this money for six months. The buyers are happy and Im happy with the transaction. PayPal has no reason whatsoever to do this. Two machines sold on XX/XX/XXXX and one on XX/XX/XXXX. Totaling {$7000.00} I shipped the items immediately. Provided tracking info. Provided PayPal with additional info. I have never had chargebacks, never a customer complaint, and only use PayPal and XXXX  once in a while. I was planning to start doing more business but could lose my business and my home over this. {$7000.00} is a lot of money my family and I were counting on as soon as PayPal said money was there. I have emailed, called and called and called PayPal and all employees act as if this is just ok and Ill get an email in six months about how to get my money. If there was a reason for this I would have no problem but nobody has done anything wrong except PayPal trying to take this money for six months. Fine if thats how it is but Ill be asking for interest, penalties, my time @ {$75.00} hour for this whole debacle, attorney fees and potential growth of {$7000.00} dollars at my business that PayPal has cost me after six months. I just want whats legitimately mine and my familys. A computer algorithm at PayPal has caused this problem and nobody there is willing to fix it without someone going to these extremes. Hopefully this complaint and this agency can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I was informed by my account to remit payment in the amount of {$550.00} for my XXXX tax services. I asked to use PayPal in which he, XXXX XXXX, agreed. I asked him to confirm if XXXX XXXXXXXX was his PayPal and he confirmed it was. I submitted the payment. A few minutes later, XXXX XXXX informed me he did not receive my payment. I asked if his email for the PayPal account was XXXX and he said no. I further explained that this was the email associated with XXXX XXXXXXXX. I immediately contacted PayPal to stop the payment. The payment showed it was in the pending status for further investigation. I also submitted an invoice to the XXXX just in case. 

I attempted to submit payment to XXXX XXXX in the amount of {$550.00} for the XXXX tax services though PayPal. I accidentally selected friends and family vs business. PayPal informed me the transaction was authorize despite it being the incorrect user. I asked if PayPal can assist me in obtaining the payment back from the user or provide me with additional information and they declined. I informed them I did not receive any services from the incorrect user. I contacted my bank and they informed me I would need to settle the matter with PayPal. The company, PayPal has access to information to inform me whether the user with the email XXXX has accepted the payment, transferred the payment, or if the payment is held in a balance. PayPal has access to obtain these funds back and refuses to do so. 

On or about XX/XX/XXXX, PayPal completed the transaction and denied my claim. I emailed and contacted PayPal on the phone that same day and asked for an appeal. I made other phone calls to PayPal and was told that since the transaction was completed, I would not be able to get my money back. However, I requested the payment not to be completed. PayPal completed the transaction dispute my attempts to revert the payment. 

I had to subsequently remit payment to the real XXXX XXXX through XXXX in the amount of {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9700.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate and fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment. 
Desired Resolution :
Product: Money transfer, virtual currency, or money service

So it all started when my PPP loan for my XXXX  was sent to my Paypal account to pay my vendors and catch up on all my bills that were due to sustain the life of my business well out of nowhere PayPal decides to lock my account for suspicious activity when there was no suspicious activity in the first place because the bank account that was linked to my Paypal account I had authorization to use and send them written consent and signed and dated the way that they wanted it to be to use the account on my PayPal account well I make one transfer and then I go to make the other one to pay my vendors because the PPP funds are supposed to be spent and dispersed in order to receive your second draw well they locked {$9500.00} down on my PayPal account due to suspicious activity or fraudulent activity when there was no fraudulent activity in the first place I made a transfer to my significant others banking account in order to draw the money off because PayPal has been giving me such a hard time about getting my money well now they have locked my account down with my first draw PPP funds in the account so therefore I can't disperse all my funds that were sent to me which has subsequently cause my business to knock on the closing door I'm currently looking at having to file chapter XXXX because PayPal will not disperse this money that is owed to me because of their policy they're pretty much strong arming me into whatever they want me to do so they can collect interest off my money for 6 months when I'm in a crisis with the life of my business and life of my home and everything pretty much so I don't know what to do I've messaged called I've even threatened to take legal action I have contacted the XXXX  I mean is there any way that y'all could possibly help me with this matter with PayPal they're doing this to a lot of people and getting away with it while collecting interest on people 's money that's needed to sustain the livelihood that they have had before the pre-pandemic times.
Product: Credit card or prepaid card

I don't have a problem with this company i just fell behind