23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had both of my PayPal accounts compromised. Someone added their bank account into my business account and received my money. I submitted a resolution to PayPal for them to fix it and refund me my money. I made a mistake and added a charge that was authorized but the other XXXX clearly was different from the authorized one. I have had the same bank account and business with them since XX/XX/2021 with no issues.They some how stated that my transactions were not unauthorized. When in fact I have NO bank account with XXXX bank ( the account that was Added unauthorized ). I have to pay my rent on the XXXX and now they are denying me money they owe me! I have no email from PayPal stating there was an added bank to my account or anything to warn me! I only received an email when I deleted the bank account! and now I have no money. Im literally crying as I write this. I have no idea what I am going to do I am a young single mother of a XXXX year old son and I only profit an average of XXXX dollars a month! Why wont they give me my money if the transactions aren't clearly mine they could have called lending bank to see if I had and account with them and would have seen I dont! They could have checked with my bank to see if the money was deposited into my account. I really have no idea what I am going to do! I thought I would get my money easily and this would be solved but its not and now im fearful of me and my babies livelihood. We are already homeless and this just takes the cake for me im struggling enough, Inflation is raising I have to spend {$300.00} on gas a month alone just to make a living. I have to scrape up money for food and diapers every single month. I honestly can not take this right now! Im tired desperate and struggling!! I looked on the XXXX and seen so many others are complaining about PayPal ignoring them and not receiving anything. I literally can not afford for that to be me. I will do anything for me and my son to be able to eat this month. I will fight tooth and nail behind the truth for the sake of my son! I worked so hard for that money for it to be gone with no remorse. Im so scared and hurt right now I dont know what to do! After this is resolved im going to never use them again me and my son are at risk and they just dont care.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Response / Complaint Department Subject : Formal Complaint Regarding Unlawful Reporting Practices by TransUnion Dear CFPB Representative : I am writing to file a formal complaint regarding the unlawful reporting of my personal and financial information by TransUnion. Specifically, I believe the following actions violate The Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as other pertinent federal statutes and consumer protection laws : 1. Unlawful Disclosure

of Transaction History Under the Privacy Act of 1974, it is unlawful to disclose confidential personal informationsuch as transaction historywithout the consumers explicit, written consent. By reporting and potentially distributing my transaction details, TransUnion has infringed upon my right to privacy under federal law. 
2. Misclassification of Charge Off as a Certificate of Indebtedness ( Income ) A charge-off is effectively treated by many financial institutions as a Certificate of Indebtedness, which may be deemed income for tax reporting purposes ( e.g., via Form 1099-C ). This classification raises serious concerns about TransUnions reporting practices and whether it is unlawfully representing such financial information to third parties.

3. Violation of Consumer Protection Statutes Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This law imposes strict obligations on consumer reporting agencies regarding the collection, maintenance, and sharing of consumer credit information. TransUnions reporting of my private financial data and transaction details may fall outside these legal boundaries. 
XXXX XXXX ( 15 U.S.C. 6802 ) : This statute restricts disclosure of nonpublic personal information to third parties without the explicit consent of the consumer. XXXXransUnions practices appear to violate these requirements by failing to safeguard my personal information.

Given these concerns, I respectfully request that the CFPB initiate an immediate investigation into TransUnions practices. Should TransUnion be found in noncompliance, I ask that the CFPB take all appropriate enforcement actions to correct the situation and prevent further violations of these federal laws. 

Additionally, in light of these violations and any resulting inaccuracies, I request that TransUnion update my account status to reflect Paid as Agreed to accurately represent the resolution of these disputes and mitigate any further harm. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you may provide. If you require additional documentation or information, please contact me in writing at the address above. 

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

After contacting Foursight Capital LLC on the XXXX of XXXX in regards too multiple inquiries on my credit report on XX/XX/2022 I informed them there is a total of 9 Inquiries spread out in my XXXX XXXX and XXXX when asked to provide information or application they could not produce nothing yet they could not provide anything about me yet they are on my credit report.
Product: Debt collection

Procollect , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX, Regional VP XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX We leased 3 apartments at XXXXXXXX XXXX XXXX  for a job assignment in XXXX XXXX, LA. One of the workers was diagnosed with COVID, and we had to end the work assignment early as it was on a military base. 

We contacted the XXXX XXXX Property Manager, XXXX XXXX many times via email but she never responded. On our last day, we returned all keys. Two employees hand delivered the keys to XXXX XXXX. 

We began receiving collection letters and calls from Procollect , Inc. We requested documentation from Procollect but they never sent us anything. We emailed and called XXXX XXXXXXXX XXXX  and was ignored. Last week, we contacted XXXX XXXX XXXX via phone and email. Again, we requested documentation to support the alleged " late fees. '' No one will send us anything. 

We understand they could not collect due to covid, so we think they created late fees instead. Again, they won't provide anything in writing. 

Procollect expects us to pay this debt via phone without any documentation.

Now, Procollect has filed a collection on our credit file. 

We are seeking documentation immediately and the removal of the collections from our credit report. 

THank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Equifax Credit Reporting Agency, I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking of fraudulent information on my credit report due to identity theft. 

I have identified several inquiries that I do not recognize, which I believe are the result of fraud. The specific fraudulent inquiries are : XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I demand that these fraudulent inquiries be removed from my Equifax credit report within XXXX business days, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a list of the fraudulent hard inquiries and a copy of my credit report showing these items. None of these accounts or inquiries were authorized by me, and they are entirely the result of identity theft. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Midland Credit Management claims that the county sheriff delivered a summons to me regarding the alleged debt. They claim that it was given to my spouse. We can prove that was not true. They claim that it was given to XXXX XXXX - that is not the correct last name that she goes by, even though that is my spouse. Again, regardless of name, neither I, nor my spouse received the summons. Midland Credit Management has used false information which has led to a court summons that I never received which led to an unlawful wage garnishment. This has been severely damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Debt collection

was contacted via mail in regards to a debt over 10 years old. contacted thhe agency was mini miranda without verifying correct party confirmed that the account was past statute was asked to resolve and informed the agency i wasnt interested in resolving.. received another call where my identity was not verified and the debt was disclosed i asked why i was still being contacted in regards to a past statute account and why the office was demanding payment the representative stated their office will continue to contact for payment until resolved the representative made me feel harrassed and i communicated that at which point she confirmed it. the representative was talking over me shouting and being argumentative the entire call.
Product: Debt collection

XXXXXXXX XXXX debt collection keeps reopening my acct after closing. The debt collection was from carecredit. I disputed with care credit and disputed with the debt collection. Had receipts my insurance paid for a portion. Provider filed a different claim with different amt than what was charged on my carecredit and its been since XXXX
Product: Debt collection

I have XXXX issues after viewing my credit report. Transworld Systems cillection agency is reporting a collection that was paid to the original creditor XXXX tthey frauduletly missreoresenting my credit profile and damging my credit score that is truly disturbing me mentally. This account needs to be removed. 


The second matter is I have unauthorized inquiries that ar eon my report that myself or did I give authorization for my report to be revied by the companies below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

The company has repeatedly been reporting inaccurate information on my credit report. The company calls me several times throughout the day harassing me behind a debt that is no longer owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I set up a recurring monthly payment in my personal account on the money source ( https : //www.themoneysource.com ) for my mortgage monthly payment on XXXX or earlier. 

2. I received an email from " the money source '' named " Recurring Payment Confirmation '' in which I was told " This email is to confirm that following your request, we have established automatic drafting ( " auto draft '' ) for your monthly mortgage payment. The first auto draft will occur on XX/XX/XXXX ". 
I also received a paper letter from the money source which told me the same thing after a few days. 

3. Nothing happened on XX/XX/XXXX and even XXXX XXXX, but I didn't know that, until XX/XX/XXXX I suddenly found the recurring payment didn't work. Because there was a late payment record appeared on my credit report. My credit score drops almost XXXX to XXXX and my wife 's as well 4. I made the 2 months payment on XXXX XXXX. I explained reason is not on me and asked the creditor to remove the late payment record. I was told they submitted a request but could not guarentee. 

5. I wrote to the money source through their message system on XX/XX/XXXX. And they asked me to call them. 

6. I called them today XX/XX/XXXX. They refused to remove the late payment record on my credit report. One of their manager told me they had send me a posted mail telling me that they turned off my recurring payment. But I never received such letter. And I don't know why they didn't send an email to me as well this time. 

7. I have to file the complaint here since it is not my fault to make such a late payment. And the money source -- my creditor refuses to correct my record. My credit score is kept well, I don't want it destroyed by the creditor 's mistake. 

8. I have the email and paper mail copy attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions
Product: Checking or savings account

I got a letter from Bank of America, closing my personal checking account for no reason. 
FYI, I have a high score on the credit with them, I pay my balance on time, I did not get any penalty or XXXX points, I did not have any fees late for any payment Thanks
Product: Mortgage

I seek assistance for Loan Modification from CITIMORTGAGE XXXX XXXX. I complied all the needed documents as they required. It 's been several months since they kept telling me that my file is pending review with underwriting. Yesterday XXXX/XXXX/XXXX, I received a letter from CITI that they sold my loan to XXXX XXXX XXXX & it will be taking over starting XXXX/XXXX/XXXX. CITIMORTGAGE has not given me any response or decision on my Loan Modification & they 're doing this transition. Please help me resolve this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a GLA collection account on my report which is inaccurate. GLA is reporting a medical bill unpaid and in collections when in fact all my bills with the medical provider are paid in full and were done so via my insurance provider according to contract. Not sure who they bought the debt from but obviously they did not verify it and have made no attempt to do so and are choosing to place this negative lie on my report. I have proof directly from my medical provider to show I have no outstanding balances.
Product: Student loan

I have been compliant with payments and my overall loan amount is not decreasing. When I call to inquire about it I get a vague answer as to why my loan amount owed continues to increase. Ive expressed numerous times that I ca n't afford the monthly obligation and i am very unhappy with the services. The reps do not provide you many options when speaking with them in regards to lowering your payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
In accordance to the fair credit reporting act XXXX XXXX  Account # XXXX, Has violated my rights. 
In accordance to the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights In accordance to the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance to the fair credit reporting act XXXX XXXX account # 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 Furnished my account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX RETURN MAIL XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties.

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I charged airline tickets using my Chase Sapphire Reserve XXXX to fly on XXXX XXXX in late XXXX and XXXX XX/XX/XXXX. XXXX offered to give me points ( flight credit ) after the flights were cancelled due to COVID19. I accepted this offer since the flights were non refundable. However, in XX/XX/XXXX, XXXX XXXX contacted us to let us know that they have cancelled service to the US indefinitely ( possibly permanently ). I immediately reached out to them for a refund, which they denied. They claimed I could use the points while in XXXX, but I do not live in XXXX. I filed an appeal with them, which they again denied, claiming that they had earlier offered me a refund, which is completely false. To be clear, XXXX XXXX has never offered me a refund. Recently, XXXX sent out communications prohibiting the use of points to travel on their airline through the end of XXXX. So, their original position that I could use the points is simply not true. At any rate, XXXX has been unjustly enriched by the {$5000.00} they have received from me for services they have no intention to provide at any reasonable time. 

At the same time I pursued a refund through XXXX, ( XX/XX/XXXX ) I reached out to Chase and filed a claim to have the charges reversed, as I paid for a service that I never received. I informed Chase that XXXX has defrauded me of my hard-earned money. Chase refuses to intervene on my behalf despite my long-standing status as a Chase card holder. I pay my Chase credit bill in full every month, and have done so for years. Chases position is that the charges took place too long ago for them to assist. This is an unreasonable position, as I purchased those tickets as early as possible to secure a reasonable fare for international travel. For a family of XXXX, waiting to the last minute to book flights would be cost-prohibitive. By their reasoning, anytime after XX/XX/XXXX would have been too late for them to intervene, even though the travel dates were later in the year. 

As soon as XXXX suspended service to the US, I contacted Chase for assistance as the terms of service from XXXX changed. I am no longer able to get the service that I paid for. On the basis that XXXX has fraudulently withheld my money and denied my valid claims, Chase has the ability to intervene on my behalf. They have declined to do so. To be clear, I enjoy travel, and I pay Chase a large annual fee every year to have this particular card because they have lead me to believe that they will intervene in just this type of circumstance. They will not and have not. My husband wants me to cancel my Chase card for just this reason.
Product: Vehicle loan or lease

I the affiant demand someone to remove these ridiculous charges off all the credit bueaus ( XXXX, XXXX, XXXX, XXXX, XXXX ) According to 15 USC 1666d ( b ) everything is PRE/PAID that means its billng error ( 12 CFR 1026.13 ) which requires resolution. And I the affiant XXXX XXXX XXXX is entitled to a refund.
Product: Debt collection

I have no idea what they debt is and why it appears on my credit report from   XXXX   Reference Number  XXXX  Date Filed  XXXX  Classification Legal Item Type Judgment Responsibility Individual Plaintiff ASSET ACCEPTANCE LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OF  XXXX  COURTHOUSE  XXXX , NY  XXXX  (  XXXX  )  XXXX