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

PayPal have " permanently closed my account '' for absolute no reason atall despite MULTIPLE times asking them how, why etc. As you probably have received this email MULTIPLE times, it is the same issue! I had over XXXX saved up from my LEGITMATE website and they are now holding all funs for " 180 '' days. There are so many other websites offering the same products and taking the same payment methods.. PAYPAL. Why me? I have had all my images created by a designer with no copyright issues etc, never had any complaints or refunds filed etc so there was no reason whatsoever. My email linked to the PayPal is XXXX I have bills, rent, cars and human needs to pay! They do not care, I am going to fall behind financially on alot of bills as I rely on PayPal for a source of income during XXXX. 

Please help me! XXXX
Product: Payday loan, title loan, or personal loan

I entered into a loan with OPPloans without completely understanding the terms of the loan. I'm being charged 130 % on a {$3000.00} loan. This exceeds both the usury limits of Hawaii, where the loan originated as well as Maryland where I currently reside.
Product: Credit reporting or other personal consumer reports

I Applied for XXXX XXXX XXXX XXXX  and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from Experian and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen along with all of my cards that were in the wallet. I didn't even know that it was gone until I got a text from my bank saying that I had just changed my pin, and if it wasn't me to give them a call. So I called them and told them that it wasn't me. When talking to the customer service agent I proved to them that it wasn't me, but by then, the person had already drained my account. The bank will not return my money. They said that they had conducted an investigation and their excuses for not repaying me my money were ridiculous. I provided them with the police report and all the information they had asked for, and yet they still will do it. I know that I was not within the XXXX guideline that they requested, but at that time I was in the midst of a XXXX bout of XXXX XXXX and was on XXXX XXXX XXXX and had really no clue what was going on. The day after I had my XXXX to remove the XXXX XXXX I got them their paperwork. I don't believe I'm even allowed to do such paperwork when on such extreme medication. The bank sent me the results of their investigation and they are so wrong it's incredible. I feel like they violated me all over again and that they have the thief 's back and not their customers back.
Product: Debt collection

I am a person who values my credit highly and my rights as a consumer. I am very meticulous about anything related to my credit and credit in general. I monitor my credit very closely sometimes daily.On XX/XX/XXXX I logged into one of my credit monitoring accounts and noticed that my score had dropped XXXX points with no explanation. when there is a change to my credit I am alerted immediately, this day I was not. My report was showing a new collections account for {$1900.00} from '' XXXX XXXX XXXX XXXX XXXX '' that I have no knowledge of. There was also a late payment added to my XXXX report by the same company showing the collection account. To receive a late payment you have to be late/delinquent on an open account " from my knowledge ''. I have never received any communications from said company. " Radius Global Solutions ''. My Credit reports shows Radius Global Solutions LLC out of XXXX Florida placing a inquiry on my credit file in XXXX. My report shows Radius Global Solutions out of XXXX MN trying to collect the debt. I have reached out to both companies by Certified Mail with a Debt Validation letter, " Radius Global in XXXX Florida '' and " Radius Global in XXXX Minnesota ''. No response has been received. 
This is not the first time I have dealt with this kind of negligence. Last year during the first week of XXXX a different company " XXXX XXXX XXXXXXXX '' illegally reported the same account that Radius Global Is reporting now. In XXXX when XXXX XXXX XXXX reported the same account I reached out to them immediately and told them the account did not belong to me and that I would report them. XXXX XXXX XXXX  removed the account from my report. Now seven months later I am dealing with the same issue but from Radius Global Solutions this time. I have no knowledge of this debt that is being reported and would like for these companies to stop reporting this false information.
Product: Credit reporting or other personal consumer reports

Experian is not conducting reasonable ( re ) investigations. Experian claims they " contact '' the data furnisher, but in reality they simply utilize the automated process through eOSCAR to update information from the data furnisher. They take zero documents submitted by the consumer filing the dispute ( and simply wait for the data furnisher 's response. The data furnisher and/or Experian the wait out the clock, after which Experian provides `` dispute results '' peculiarly the day before the thirtieth day since complaint ( dispute ) filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to XXXX years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX CARD - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

The credit bureau is reporting the wrong name of my credit report and I also have an inquiry that I have no knowledge of. I called to have it removed and they asked me to submit a report. This is false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX  Account # XXXX XXXX. Account # XXXX
Product: Mortgage

I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ) + utility bill. On XXXX I received an Equifax credit file # XXXX. This credit file still shows 4 fraudulent addresses, 9 fraudulent accouns ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax has committed 13 violations according to the Fair Credit Reporting Act regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$2400.00} XXXX XXXX {$190000.00} XXXX XXXX {$22000.00} XXXX   XXXX {$21000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed filed via us mail on XX/XX/XXXX, disputed opened with Experian XXXX. Included in the dispute is a collection account with XXXX. I also mailed a dispute with XXXX onXXXX. XXXX never validated account, and it was deleted by XXXX and XXXX, Experian refuses to delete. They completed their investigation on XX/XX/XXXX, and continue to report inaccurate information on my report regarding XXXX as well as other accounts including XXXX XXXX, which should not be listed on my credit report, & XXXX XXXX, ( whom I've also contacted directly to dispute via US certified mail, and did not receive a response ).
Product: Debt collection

Complaint Against Hunter Warfield , Inc. for Unlawful Credit Reporting and Debt Collection Practices I am filing this complaint against Hunter Warfield , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to improper debt collection and unlawful credit reporting practices.

1. Unlawful Credit Reporting ( Debt Parking ) Hunter Warfield , Inc. reported an alleged debt to my credit file without a permissible purpose, violating Regulation F ( effective XX/XX/XXXX ) and FDCPA 1006.30 ( a ). 
This debt was added to my report without my knowledge or consent, causing financial harm. 
2. Lack of Permissible Purpose ( FCRA Violation ) Under 15 U.S.C. 1681b ( 2 ), I never provided written authorization for Hunter Warfield , Inc. to report or share my financial information.

The company has no legal basis to disclose my personal data to third parties.

3. Unauthorized Use of Personal Information & Potential Identity Theft Hunter Warfield, Inc.s actions may constitute Aggravated Identity Theft ( 18 U.S.C . 1028A ) by knowingly using my personal information without lawful authority.

Their unauthorized actions have caused financial harm and unnecessary stress.

4. Failure to Respond to a Formal Dispute & Cease-and-Desist Request On XX/XX/XXXX, I sent Hunter Warfield, Inc. a dispute and cease-and-desist request via certified mail regarding this alleged debt.

They have failed to respond, violating 15 U.S.C. 1692c ( c ), which prohibits further collection or communication after receiving a written request to cease.
Product: Debt collection

This account was previously removed from all three credit bureaus due to fraud, but a new third-party creditor has acquired it from XXXX XXXX XXXX XXXX and XXXX it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. The account is closed, and XXXX XXXX has claimed insurance on it. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX is legally entitled to collect on this account. 

I have also attached a copy of the validation letter sent to this company on XXXX.
Product: Debt collection

I purchase my domain names from XXXX. I make annual renewal payments. Firstsource Advantage have been emailing me stating I owe them {$32.00}. I renew my annual payments directly with XXXX. I do not have a pass due balance and I have never authorized XXXX XXXX XXXXXXXX XXXX to have access to my Go Daddy account. I have never signed an agreement with XXXX XXXX XXXX, XXXX. I have never signed an agreement with Firstsource Advantage. I have called and asked them to stop emailing me, contacting me for payments. At this point I feel as if they are trying to extort money from me.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Checking or savings account

For the past few months my navy federal checking account keeps going $ XXXX dollars in the negative. This is after they say I have money in my account it randomly goes negative.i dont have the specific dates on or when exactly it went negative but it currently negative about {$34.00} and im tired of repetitively paying this when i knew i had money.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYS INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Mortgage

I bought a house in XXXX XXXX, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. 
I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on XXXX XXXX, 2014, just a couple of workdays before the closing, by KeyBank of XXXX. NOTE THE PRIOR OWNERS RECEIVED THAT {$50000.00} lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. 
I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the XXXX for sale ( pending ) when the mortgage was dated ( XXXX XXXX, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house. 
How is this possible? You list your house for sale, the bank knows it or should know it, they loan {$50000.00} against it, put a mortgage on it, and wo n't work with the new property owners to work through it? 
Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? 
Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. 
Did they violate their own underwriting requirements? 
Did they cross any other lines they should not have? 
Should they have acted more quickly when they became aware of the situation? 
And finally, why no obligation to me?