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

On Saturday, XX/XX/20 I listed a large comic book lot for sale on XXXX to be purchased by the highest bidder. The winning bid was placed and the item was paid for on Tuesday, XX/XX/20. I then shipped the books through XXXX ( I'm a XXXX  store owner ) using not only a tracking number but also a required signature. The package was confirmed as being delivered and signed for on Friday, XX/XX/20. The buyer even posted a positive feedback on the transaction in my XXXX profile. I was then noitifed by Paypal that they are holding my payment received from the buyer, even though they had already taken out there fee for the transaction AND the buyer had already received the items. They first stated they could not verify that the package was delivered. I referred them to my XXXX tracking number and signature receipt and they refused to accept that as proof. I tried to call the numbers but they do not take phone calls. I was forced to communicate through a series of slow texts which took hours to get a response. When I would get a response as to why I can not have my money I am entitled to I would receive a different set of " goose chase '' directions to do. The first time they said they could not verify my email address so I gave them additional proof. Then they stated they could not see the tracking number, which again I pointed it out ( it was clearly visible ) then they stated they needed me to reach back out to the buyer and get them to contact Paypal so say they received the package, which I did. Then they stated that because the address I shipped the package to was different than the address the buyer listed in his paypal account, which was a PO Box . I again explained as a XXXX  Store Owner I do not ship to PO Boxes, only street addresses as PO Boxes do not have protection for items sold which is why shipping companies will to ship to PO Boxes. I further explained to them that no where in Paypal 's policies does it state I had to do all of these extra things in order to get my money I am owed that they are refusing to release. It states in their policy that once an item is verified as being received through the tracking number in the listing, the money will be released. I did just that and they are still refusing. It is XXXX dollars they are refusing to give me which is a lot of money and they no longer accept phone calls from anyone so I have no where to go with this. It is way too much money to walk away from. I did my part as shipping business owner and shipped the item out with a tracking number and signature which is verifiable. The fact that they are refusing to accept that as valid proof of delivery and will refuse to release my money turns this issue into a fraud situation. I really need some help as I have no where else to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$3500.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Vehicle loan or lease

IN XXXX OF 2021 I WAS NEVER BEEN LATE ON THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Student loan

I tried to call and get the payments I made during the COVID Federal student loan pause. I waited on hold for 6 hours and then was disconnected. I tried again and was on hold for 3 hours, and no one answered. XX/XX/XXXX was the last day to ask for a refund on payments made during the student loan pause.
Product: Credit reporting or other personal consumer reports

Hi, Department of EducationXXXX XXXX is reporting inaccurate information on my credit report. There are XXXX loans reflecting the dates of XXXX  and XXXX. That is still appearing on my credit report with all XXXX  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 XXXXXXXX  and XXXX  a new home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : XXXX
Product: Debt collection

I called and tried to get them to email me the original contract and they said they didnt have to do that to put derogatory marks on my credit report
Product: Checking or savings account

I deposited a local Massachusetts lottery check worth {$1000.00} dollars on early monday morning ( XXXX XXXX )- and I was told by the teller that since it is local it will clear overnight. 

The next day there was an overdraft and the bank charged XXXX XXXX $ = XXXX $ in overdraft fee charges. 

Here are the sequences XXXX XXXX XXXX XXXX  - Deposited {$1000.00} Mass Lottery check ( XXXX x XXXX check ) XXXX XXXX XXXX XXXX  - Check still not cleared but resulted in overdraft XXXX XXXX before XXXX XXXX- Deposited XXXX $ cash XXXX XXXX before XXXX pm Deposited XXXX checks worth {$660.00} XXXX Deceember before XXXX XXXX  - deposited XXXX $ cash to ATM bank XXXX XXXX ATM XXXX out of service ) - did not work. so had to travel to another bank to deposit. 

I got the receipts showing positive balance. 

image.png But unfortunately, your webster bank bank conveniently posted all my deposits to the next day to collect Overdraft fees- this is unfair My account number : XXXX Type of Account : Checking I have been a Webster bank customer for over 6 years. 

I can not afford XXXX $ in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was injured 5 years ago at work and am now XXXX and unable to work. I have worked very hard to settle my accounts since my credit was in good standing with all my creditors before my injury and I will be honest the collection agency 's lie because I asked all for payment for delete and all of them told me they could never do that which is untrue. I sent you a letter about Experian they are impossible, all my accounts I did pay in full ( PIF ) are Still not updated showing a balance which hurts my score, not to mention the ones I settled. XXXX  XXXX account ending in XXXX was sold to XXXX and I worked an agreement to settle this account for a paid in full update to my reports. I should have a XXXX balance and this is not the case I am showing a balance still and even told in a letter by XXXX XXXX that I can pay the rest anytime which is the exact opposite of my agreement because the account should be closed with a XXXX balance and updated SETTLED _PAID IN FULL which was our agreement just like the 12 other accounts I paid. Well that didn't happen as a matter of fact instead of a XXXX balance or no balance XXXX  XXXX just subtracted what I paid and put that on my credit report and then blamed YOU and your laws for them not being fair after I kept my part of the agreement. If I had known this I would have kept my XXXX dollars I mean what would be the point of paying the amount and not having it show settle paid in full ( with XXXX balance or doing a paid for delete? ( They told me a paid for delete was not allowed that is a lie there is no such law. I would like this looked into I feel I am being lied to and the agreement I entered is not being held up on there end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I purchased online a Sears Shop Your Way refrigerator, XXXX XXXX and an ice-maker to be installed when delivered for {$170.00}. By XXXX, the refrigerator never arrived as promised to the XXXX XXXX store and I cancelled the order. Meanwhile, the icemaker arrived right away and it remained in the box unopened. SSYW continued to bill me monthly on the promise of delivery. After making payments monthly, SSYW changed their website for payments and charged me late fees for the cancelled orders. Speaking to them on the phone brought promises of sending me a shipping label for the icemaker after they passed the request of " my manager ''. Finally, they announced the icemaker had a " 30 day return policy '' from date of purchase. I asked them to prove the policy and they refused. Attached it our email back and forth. They attempted to send me a check for {$190.00} and change which I threw away as I did not wish to cooperate with the " 30 day policy of no returns ''. Therefore, SSYW can not show any payment for this amazing hassle of trying to buy a product for our XXXX, and including the {$20.00} postage for sending the icemaker back, attached, and the payments on the non-existent refrigerator, I am owed {$480.00} by Sears Shop Your Way. The account remains open as far as I can tell.
Product: Debt collection

Calls me daily. Someone named : " XXXX XXXX '' also contacted my employer, ALSO is stating she is calling back about an application I submitted. I HAVE NO IDEA what application they are talking about and they possibly put my JOB in jeopardy having them thinking it was a reference check for another job. 

I have NEVER heard of this company, the phone number does not offer the name of the business when you call it, I had to ask several times to get the name of this business and name of the representative that answered the phone after googling and reverse searching the number, they would not give me an answer when I asked if they were a bill collector " i can not respond to that question until I know who I am speaking to '' I asked to speak to a supervisor and overheard her mumbling to another voice before telling me that he was not available.
Product: Checking or savings account

Debit card compromised and unauthorized ATM pin transactions were made starting onXX/XX/XXXX. We were notified onXX/XX/XXXX of a suspicious transaction and I called the same day to report the fraud. US Bank paperwork received and returned onXX/XX/XXXX. Called US Bank onXX/XX/XXXX to follow up and was told the " claim was denied '' because they " had me on camera '', which is false. This is {$2400.00} of MY MONEY that the bank in my opinion has stolen. <P/>Invalid transactions were :XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX ( my branch ) {$500.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$480.00}XX/XX/XXXX XXXX XXXX ( never been to this branch ) {$500.00}XX/XX/XXXXXXXX XXXX ( see above ) {$500.00} For the record TWO different US Bank cards ( a XXXX and a debit card ) were compromised within a week of each other. The two cards ARE NEVER used in the same places. In my opinion, this is an " inside job '' and US Bank is involved in the theft.
Product: Checking or savings account

BBT Bank made me a {$200.00} reward offer If I opened a new checking account which I did on XX/XX/XXXX and met certain requirements including 2 direct deposits within 60 days of opening. I met all the requirements as stipulated in the offer. Under terms of the offer, the {$200.00} reward would be applied by XX/XX/XXXX. Even after several invalid excuses, they have failed to keep their promise
Product: Credit card

I have paid my account balance to XXXX with Bank of America, attempting to get a mortgage for a new home by improving my credit score. They are not updating my credit report to reflect this paid in full balance. 
Please help!
Product: Credit reporting

For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements in XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the City Marshall. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.
Product: Credit reporting or other personal consumer reports

A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and PORTFOLIO RECOVERY ASSOCIATES continue to report to XXXX, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX to be removed from my credit report
Product: Credit card

I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One to inform them of an account that was opened in my name fraudulently that appeared on my credit report. It was deleted from all three credit bureaus, but Capital One has not deleted the account from their recorders. I would like them to delete the inaccurate account with my information from their data. I have never had an account with Capitol One.
Product: Debt collection

This company ( Central states recovery ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Debt collection

I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in this account XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.