23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Legal Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Demand for Unverifiable Bankruptcy Information on My Credit Report To Whom It May Concern, I am writing to demand that you immediately cease and desist from reporting inaccurate and unverifiable bankruptcy information on my credit report. Despite my previous efforts to resolve this matter, including a formal dispute, the bankruptcy listing remains on my file, and I have yet to receive the requested documentation proving the accuracy and verifiability of this entry.

As you are well aware, under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are required to ensure that any information reported on a consumers credit report is both accurate and verifiable. I have thoroughly investigated the situation and have been informed by a court clerk that no third-party vendors or credit bureaus verify such information directly with the court. This strongly suggests that the bankruptcy entry on my credit report is not based on any legitimate, verified source.

I requested proof of verification of this information, but you have failed to provide any such documentation. Based on my research and the information provided to me, I believe this entry is inaccurate and unverifiable, and therefore it must be removed from my credit report immediately.

I request that you remove this erroneous entry from my credit report within 15 days of the date of this letter. If you fail to resolve this matter promptly, I will pursue legal action for violations of the FCRA, including negligent reporting under Section 1681e ( b ), Section 1681i ( failure to conduct a reasonable investigation ), and Section 1681n ( willful noncompliance ), which could entitle me to actual damages ( including emotional distress ), statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

I also intend to seek compensation for the significant emotional distress this issue has caused me, particularly given my ongoing battle with XXXX. I have been subjected to unnecessary stress and XXXX  as a result of Experians failure to properly investigate and verify this information. The continued presence of this inaccurate information is further exacerbating my mental health struggles. 

However, before pursuing litigation, I am open to negotiating a settlement to resolve this matter amicably and avoid the costs and burdens of a lawsuit. I encourage you to contact me directly at XXXX to discuss a potential settlement or a reasonable resolution. 

If you do not act promptly to remove the inaccurate information, I will have no choice but to initiate legal proceedings, including filing a lawsuit to recover damages, as allowed under the FCRA. 

Please respond within 15 days of the date of this letter to confirm your intentions regarding the removal of this disputed bankruptcy entry and your willingness to engage in settlement discussions.
Product: Payday loan, title loan, or personal loan

I was extremely tight on money and needed emergency funds until my hours picked up. Tower Loan sent me a live check multiple times after I had gone online to opt out of prescreened offers. I had planned on paying as soon as hours picked up, but that has not yet happened, so have been unable to pay. This company has been calling me multiple times a day, theyve called my family that I did not provide as references, and have called to harass me at work. They have regularly called from personal numbers, and XXXX, who apparently runs their office, has threatened to come harass my managers in person, called after I spoke with someone else in the office ( same day ) as well as randomly dropping by my house to bother my landlord.
Product: Checking or savings account

On XX/XX/XXXX my account was deposited {$20000.00} for my paycheck protection loan for my business I was approved my loan was approved and then my account was closed I bought in all of my documents to show that this was my business this is my account but they state because it was a personal account and the funds got approved to my business Ill have to wait
Product: Checking or savings account

BOA charges fees for their own personal gain. I had a small balance in my checking account after I went into the banking center to purchase a cashiers check with the funds I had in my checking account. The small balance was enough to leave in my account until my next payroll deposit. By the next business day I get an email from BOA stating that my account was overdrawn. I have a membership with XXXX XXXX and XXXX. Both will bill me monthly via my debit card. Both charges should have been declined via my debit card since there was not enough to cover the charges. So what BOA did was allowed both charges to go through, and they charged my account nsf fees and then they charged me extended overdrawn fees as well. I called BOA spoke to a supervisor who told me it was perfectly legal and if I did not like it I could file a complaint and I could take my business to another bank ... .when I asked for them to send me this in writing they told me that they do not have to, but if I want to I could XXXX it. She also told me that supervisors calls are not recorded. I would like to start a class action law suit ... .please assist me with who do I need to contact to do so ... ..I also want assistance in getting the fees reversed on my account. Please help me. BOA should not be allowed to treat their customers this way
Product: Debt collection

I received a notice from PayPal that a purchase from XXXX had been made from my PayPal account on XX/XX/XXXX, but I thought it was spam. Then I noticed a withdrawal of {$530.00} from my XXXX XXXX account. I reported and disputed this with my bank and they put a stop payment on the charges. Then on XX/XX/XXXX my bank declined the electronic funds transfer. Then the PayPal collections called me to collect this debt, however, it wasn't me in the first place. Then I filed an online dispute with PayPal claiming that this was fraud. However, they declined it. I then called XXXX asking if they could do anything and they directed me back to PayPal. However, I found out that there was someone using a fake email address, but my same shipping address as mine. I called PayPal disputing the debt, this time saying it was identity theft. They declined it again saying it matched with my past purchase history. I tried disputing it a third time saying that I never got the item because I got a notification saying that it had arrived at my address. The shipping company had given a tracking number and proof of delivery, so it got declined. I filed a dispute with the FTC. I then filled a police report on XX/XX/XXXX. I sent both to XXXX XXXX XXXX XXXX ( PayPal 's collections ) on XX/XX/XXXX. With the assistance of XXXX XXXX, I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see the status of the my case, they declined it saying to call PayPal again.
Product: Credit reporting or other personal consumer reports

I have contacted this company multiple times regarding this being a fraudulent account. I will provide screenshots. I have provided a police report WITH an etc identity theft report regarding what happened, how it occurred, and why. I never applied for an XXXX account. Any information used, any photos taken was fraudulent and not mine. They stated the balance was paid in full. I can say under oath that I did not pay the balance, I had no knowledge of the account, if anyone paid the balance it was fraudulently done with THEIR own account, not mine. This account is fraudulent and it is hurting my credit report and therefore hurting me from getting a house loan which is how I found out it was on my report. I have submitted everything to Experian to get it taken off and they will not take it off!!!! It is fraudulent!! Im also filling a complaint with the XXXX  because I've done everything Ive needed too
Product: Debt collection

i have tried to get this company to send me the info about this debt. and the only information i get is that they closed the debt. they state there is no money, etc. remaining but then i get a letter from the IRS stating this company Carrington Mortgage wrote off over XXXX and the IRS want nearly {$4000.00} because since they wrote it off, it is now income and i owe. i asked for any info on this debt and a copy of the 1099-c. all i received was a 1099-a. when i try to contact them again they say there is no debt and will not tell me who the debt was transferred to, etc. the company is carrington mortgage po box XXXX, XXXX, in XXXX phone # XXXX, fax # XXXX, loan number : XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX nc XXXX phone # XXXX. email : XXXX i would like to know how much is owed and to whom?
Product: Vehicle loan or lease

I incurred during the XXXX  a loss of a job also an illness and was told verbally and via email that I could pay a lesser amount of my car note, but never that my payments would be reported late. I had issues financially in the years of the economy increasing and still made my payments on time which is the XXXX of every month. I keep getting reported by credit acceptance that my payments are late when they arent. The full amount isnt paid but that was an agreement that was made by the company and myself. I would like my late payments to be reported as never late.
Product: Debt collection

Hello, I have received 15+ calls from this company Portfolio Recovery Associates and have payment plan set up with them but they have been consistently harassing my  phone and calling nonstop from different numbers. I have had it and am tempted to change my number. Please remedy this as this company is causing a big disruption in my life. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX  ( XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX  ( XXXX ) 4. XXXX XXXX XXXX  ( XXXX ) 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC already submitted for XXXX XXXX XXXX {$2500.00}. This account is not my obligation and need to be blocked from my credit report card. I was unable to upload documents to Experian website.
Product: Credit reporting

This debt is paid in full for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full. Please look into this matter it is affecting my credit score and my personal and business life.
Product: Credit card

Description of the Issue : I contacted Macys customer service on XX/XX/year> to pay the full balance of what I owed. I made the payment in full as instructed. However, the following month, I began receiving charges for late fees and interest. Over two months, these charges totaled {$86.00}. 
Actions Taken : * I contacted customer service multiple times to resolve the issue, explaining that I had already paid my full balance. 
* Despite my efforts, customer service representatives refused to help, insisting that I must pay the late fees and interest. 
* I requested to speak with a supervisor, but the supervisor gave me the same response and did not address the issue. 
I am frustrated because I paid my full balance, and I do not understand why I am being charged additional fees. This has caused unnecessary financial and emotional stress.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account, registered with the email address XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have written several certified letters to XXXX AND XXXX XXXX asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 1 S U.S. Code 1681 e ( b } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681 i ( S ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

well, i am here becouse my paypal account has been limited with un specific reason. 

I just update some of my personal information and after that i received a email about i cant use paypal anymore. 

if somebody in paypal will review my account i m very sure there is not reason for blocked me, i do not have any other paypal. 
Id. de referencia : XXXX my id it was submit by link but is in the account.
Product: Credit card or prepaid card

I purchased a XXXX XXXX rolling suitcase from a marketplace XXXX XXXX ) on XXXX. I was told it was authentic and I was excited about receiving this item that I paid a large amount for ( {$2100.00} ) in XX/XX/2021. When I received the item, I had it authenticated and it came back NOT authentic, which I have the certificate from the authenticator stating as much. XXXX is not supposed to allow the sale of counterfeit goods on their website; however, this item was sold to me and the seller ( XXXX ) remains to be selling on their site as I write this letter even after I reached out and gave them the evidence. 

I reached out to XXXX about this issue to see what I should do ; I also reached out to the seller ( XXXX ) and was told to ship the item back for a return. However, it is ILLEGAL in the United States to ship counterfeit goods ( which I found out by speaking with a border patrol rep and being directed to the customs and border patrol website ), here is the web address I was sent to US border patrol website explaining how shipping counterfeit goods is illegal : https : //www.cbp.gov/trade/fakegoodsrealdangers So now I am stressed and am being told by XXXX and the seller to ship this item which needed to go overseas which had me more scared thinking what if customs sees that I shipped it and I know its counterfeit, etc... 

I was told by XXXX and you to send it back anyway. 

XXXX has also stated they do not trust the number one reputable authenticator for XXXX XXXX products even though they offer to authenticate these same products. Here is the web address showing that they will authenticate luxury goods such as XXXX XXXXXXXX XXXX XXXX XXXX Since I knew that they authenticate these items themselves, I reached out to them and told them that I would ship it to them and not the seller so that they could prove to themselves that it was a counterfeit. They denied this request and will not accept the other authenticator 's certificate ( even though they are the number one authenticator for XXXX XXXX XXXX XXXX and have been for several years now, well more than XXXX ). 

After all of this stress, heartaches, and headaches I decided to talk to my credit card company ( PayPal credit card through Synchrony Bank ) to start a dispute. I gave them all the information above and waited. They came back weeks later and said they are denying my claim. So, I wrote and called them again, and they have seen all the evidence and they know it is illegal and I opened another dispute which they denied again weeks later, I am now on my third dispute with them that I started today through a secure message, fax, and physical mail, I will also be calling them again tomorrow. 

This was a huge purchase that I expected an authentic XXXX XXXX item and not a fake and now I feel like I have been defeated by my credit card company that I thought I could trust. 

I purchased this item in XX/XX/2021 for {$2100.00} from the above-mentioned seller on XXXX.
Product: Checking or savings account

My account was hacked. I sent a claim but my money was never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX bankruptcy on my account with Equifax several times starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018. I've asked them to verify and to reinvestigate this inaccurate tradeline on my credit report. Each time they've responded as it is verified. I requested verification of who they've spoke with, contact information of who verified and who was the original creditor and have not received any real evidence of this act. Equifax is not reporting 100 % accurately that this negative tradeline is mine. Each time they list a third party Credit Reporting Agency XXXX XXXX as the furnisher of this negative report. They are Violating FCRA laws by not reporting this information 100 % accurately. I sent a request to the Bankruptcy Court requesting of how they furnish or report this information and they stated that they do not report any information to any third party. I've enclosed the letter from the Courts, as well as the three dispute letters sent to Equifax and they're response. If they are getting this incorrect information from XXXX XXXX, why does my credit report shows the Bankruptcy Court as the furnisher and Not XXXX XXXX, furthermore why is the Court Stating that they don't report any information to any third party, but Equifax is allowed to do so using third parties as the furnisher, without any regard for the FCRA laws. I have frozen my report with XXXX XXXX and other Data Mining Companies as well as having it suppressed. I've included Letters from XXXX XXXX verifying the freeze dated XX/XX/2018 and Suppression of my file XX/XX/2018. I sent the 3rd dispute letter on XX/XX/2018 certified mail with an electronic receipt signed for by an Equifax representative on XX/XX/2018, see attachments.

A couple of days later I received a response from Equifax dated XX/XX/2018 verifying that the negative trade line was verified. An XXXX   computerized system used to verify, is not an accurate way to verify, especially if they are not checking with the Bankruptcy court. This adverse action is hurting me and preventing me from receiving the credit that I've worked hard to build over time, affecting my ability to get new credit. This negative tradeline is incorrect, they are Violating the FCRA laws. I want this negative trade line removed from my credit report. I am asking the CFPB to review all evidence that I've attached and enforce the federal laws that apply. I am wondering how is Equifax able to verify my information with XXXX XXXX if it is Frozen. They are not a Creditor or Collection Agency, or are they law enforcement that are by law able to see my report. I've added a copy of the Georgia Statement of Rights -- -I believe that Equifax is purposely violating this law, which is harming my Credit File and causing financial harm. I am pleading to the CFPB, for it's help in enforcing Consumer Laws. If this matter is not resolved with this complaint, I may have no choice but to Pursue Legal Actions Against Equifax for damages allowed for by the Credit Consumer Laws and the State of Georgia.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

Claims I was late on payment in XXXX. I have never been late
Product: Payday loan, title loan, or personal loan

XXXX  doubled charged my bank account with a payment causing overdraft fees and my account to be in the negative for over 5 days. A payment posted on XX/XX/2021 of XXXX and on XX/XX/2021 for XXXX leaving my account in the negative and causing overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with Experian and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents. 

XXXX XXXX XXXX XXXX has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names. 
Experian and XXXX  has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.