23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2023 I purchased an XXXX XXXX XXXX receiver from XXXX for {$270.00} and paid for the item on my PayPal Credit account and received the item on Friday XX/XX/2023. I setup the receiver and begin the installation process. Almost immediately I encountered a installation software problem which caused the software to go into a software loop. I was able to find a work around this issue. I contacted the seller and informed them of this issue. I was able to continue the installation process which continued over into the weekend and ran into other non-functional operational issues which displayed Coming Soon. On Sunday XX/XX/2023 I decided to return the item for a refund due to the number of non-operational issues. I drafted a note Exhibit 1 regarding the return. I called and left a voicemail for the XXXX support people regarding the return and informed them I had contacted PayPal and filed a dispute. **Regarding this dispute from PayPal , part of the process was to select a category that identified the problem with the item being returned. There was only ONE selection available that came CLOSE to identifying the issues with the item, that was Product Not As Described. Not exactly the truth however, the closest. The item did perform minimally. 
On XX/XX/2023 I received a RMA USPS sticker for the return item and I affixed it and immediately took the package to the Post Office and waited for delivery to the seller USPS receipt and Tracking report attached Exhibit 2. The item was received by the seller at their office on XX/XX/2023 at XXXX. 
The seller convinced me that my decision to go the PayPal dispute route was a mistake, also adding 60-75 days to the process, coupled with the fact that they immediately sent out the RMA sticker for return convinced me to close the PayPal dispute , which I did. The seller got his money from XXXX/PayPal. After that when I contacted PayPal or the seller all I heard was {$15.00} charge deducted, or XXXX or PayPal wont release monies because I had to file a 2nd dispute to get money back. 
Summary : The seller received the item back on XX/XX/2023 in perfect condition. The seller has the {$270.00} I paid for the item. PayPal or XXXX, Im told wont release my money. I have tons of documentation to validate all my claims. If you need anything documentation wise, please let me know. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*Provide accurate information pertaining to the Chapter XXXX bankruptcy in consumer name? 
*Provide signed document with signature from bankruptcy court consumer filed chapter XXXX bankruptcy? 
*Bankruptcy courts do not provide nor sell public information to third party companies, such as : XXXX XXXX XXXX and XXXX. 
*As required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under SECTION 611 ( a ) ( 7 ).

*Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified.

* The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) ; Transunion failed to comply with Federal Law. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my right under the FCRA.
Product: Debt collection

I received an envelope containing paperwork for garnishment, but I havent been sued by this company. The envelope didnt have a return address on it and the postmark was significantly later than the date of the summons : XX/XX/2020. Once I opened it, it appeared to be legal paperwork from a court. The plaintiff is Jefferson Capital System LLC. Theres no information identifying the plaintiff other than their name. No phone number, no address. The contact information for the attorney is invalid ; the phone number has an odd ring that sounds like a record thats skipping. I XXXX  Jefferson Capital System and called their toll-free number. There was a recording indicating that callers can get debt information by entering a file number, which strangely wasnt listed anywhere on the paperwork I received, an account number, which would be assigned by Jefferson, or a social security number. Theres no file number on the paperwork, nor is there an account number. I had to use my social security number. The recording indicated that theres no record in their system containing my SSN. Im not surprised since I dont owe them any money. 

Lastly, I noticed that this paperwork was supposedly sent to my employer. My listed employer is a company I never knew existed until today. How can I possibly work there? 

This could be a scam, but I see it as harassment. Rogue collection agencies think that they can scare uninformed consumers into sending them money. I dont operate like that. I will not even listen to, nor respond to anyone who doesnt approach me correctly. I have no idea what this debt is or who it belongs to. I have never gotten one phone call from this company. Ive never received any other notices from this company. The legal contact listed on the paperwork is bogus. I should be enjoying my evening right now. Instead, Im wasting my em time responding to a false allegation. 

I threw their paperwork in the trash at the gas station when I stopped to fill up my car. After thinking about it, I got angry and decided to file a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020
Product: Credit reporting or other personal consumer reports

Tge XXXX XXXX I know nothing about this acount a dispute was filed with the legal department and the cfpb on this account. And still applied XXXX XXXX XXXX dispute. I want the letter from my XXXX  XXXX Trustee that approved the new debt. Or the letter to incur new debt under federal laws I have to have that letter.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on EOS CCA ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB around XX/XX/2021 against Transunion for not deleting an account on my credit file for several inaccuracies. I believe they retaliated by Deleting a positive account from the same company. When I found out about this positive trade line  being removed XXXX  employee tried to tell me it was XXXX who removed it.so I called XXXX and after investigating they told me what really happened it was XXXX  who Deleted my positive account. The date of removal was XX/XX/XXXX and please have them show the reason for their actions? That account was my oldest it had over 20 years of good reporting.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize nor remember applying to or engaging with which is really concerning because I believe them to be fraudulent. I did not give permission to these companies to access my credit report, It's a blatant violation of my rights as a consumer. This is really stressing me out and making me XXXX
Product: Credit card

Paypal continued to harass me about opening a credit account, so finally I applied and opened an account in XXXX 2015. Less than 2 months later I received a notice that my account was closed because Paypal had not updated my new address. I received the notice at my new address. I contacted them and was informed that they would reinstate my account but that I was forced to allow them to run a " soft credit '' report in order for them afterwards to reinstate my account, so I hesitated, but then agreed. We had an agreement. I also filed a seller complaint against a merchant who misrepresented an ad where I received merchandise not resembling the ad 's description. I faxed all relevant documentation to Paypal timely. Instead, the letter I received from them in XXXX stated that my account was closed and the dispute was closed ; the letter was also very vague. I immediately contacted Paypal and that is when I was forced to submit to a soft credit check then my account would be opened. They never re-opened it and the dispute was never properly followed up on. I have made several calls since then requesting to speak with XXXX XXXX, to which I was told I could not. He is the head of credit I was told by XXXX or XXXX, so very ghetto behaved loser in escalations? She also told me that " I am the highest you 're going to get next to XXXX XXXX ''? When I was speaking with her, the line went silent for a long while ; I thought maybe we were disconnected, but she was just playing hoodratty games and giggling at my dismay and disappointment with the illegal treatment. I terminated the call with her at this point. Called back later, spoke to XXXX who then transferred me to XXXX where all he did was say " I 'm sorry you were told that, or that, or that this happened to you '', but he refused to correct the matter and gave me the very same fax and dept. to contact about disputes and customer care that I had previously been dealing with. I informed him that Paypal behaves like a bunch of monkeys in a circus, aping one another while upsetting and treating customers with such illegal and dishonest behavior. I finally had to hand up on him also. He, nor anyone at Paypal would rectify the situation. They hire anyone without any problem resolution skills and then one is referred back to the very same dept. that presented the confusion and illegal conduct in the first place! I even reminded XXXX of the settlement and lawsuit last year by the CFPB and he did n't seem to care. Paypal need be cleaned out and intelligent, mindful and law abiding reps and supervisors need replace the dumbed down and unlawful scraps they currently employ. They need to reinstate my account and refund my disputed amount ASAP or else. Thanks.
Product: Debt collection

I have gone through every step and every process to contact the collection agencies involved in these debts. I am a serious victim of identity theft and it is easily verifiable. I have been XXXX  during the entire time frame both of these incidents took place. I have been holding off on a lawsuit because of one simple reason and that is because my fiancs father is on his death bed and i have been preoccupied with all of that but I can peomise you if this error is not corrected immediately I will be following through. Because not only has this caused me serious /XXXX  and XXXX/ it has caused me to not /Get approved for apartments/Loans/Banks/Credit Cards. This has caused a serious impact to my arrival home and doing my best to do good.
Product: Debt collection

Someone stole my identity and used it to open bank accounts and credit cards this is so frustrating please help me
Product: Credit reporting or other personal consumer reports

Upon me checking my credit reports i discovered XXXX fraudulent acccounts on XX/XX/year>
Product: Mortgage

I have tried several times with my current servicer Shellpoint mortgage servicing time have them cancel my Force place insurance because I have given them proof that I had hazard and liability insurance for my condo. 

I wrote them two letters to in the form of a qualified written request and notice of correction To The loan servicer by certified mail correct this error under respa however I have yet to receive a response within the required times associated with respa.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had repeatedly failed to properly investigate Onemain financial and XXXX XXXX inquiries on my credit.
Product: Credit reporting or other personal consumer reports

A formal complaint that Experian is reporting inaccurate and incomplete credit information on my credit report.
Product: Credit card or prepaid card

Since XX/XX/XXXX when I opened my account, Discover Card has been charging my account for a payment protection plan which was unauthorized. I was charged over {$1600.00} not including interest for this fee. When I called to inquiry about this fee I was  told that I signed up for it in XXXX when I opened the account and they would only refund me {$360.00}. They also said they give its customers 30 days to review and dispute charges. I take responsibility for not viewing my statements as I should, but just because I didnt review my statements it doesn't make these charges legitimate. When I checked my statements, I noticed it only goes back as far as XX/XX/XXXX and it was opened in XX/XX/XXXX ( 1 year 5 month difference ). I think that is weird because I have another credit card and it shows my statements from when I opened the card in XXXX and I had that card 2 years longer than the Discover Card. I researched it to see if others were having the same issues and they were! Many people are saying that Discover placed this payment protection plan on their account without their authorization. So, I reached out to Discovers Executive Office on XX/XX/XXXX and XXXX was my case worker. I explained everything to him and he said he would get back to me within a week. He called back on XX/XX/XXXX ( a little over 2 weeks from when I called ) and said that I did sign up for the payment protection plan when I opened the card, the charge was on my statements, and I was sent a yearly newsletter ( separate from the statements ) reminding me of the charge. I didn't recall seeing any newsletter, so I asked him when was the last time I received it and  he said XX/XX/XXXX. My response was send me a copy of the newsletter I was sent in XXXX ( 6 months ago ) and something showing that I signed up for this in XXXX. He replied that he could not because that was a long time ago and his records dont go back that far! So, I said since you cant show me then who can, he said no one! So if you could see I signed up for it in XXXX and that I received a yearly newsletter in XX/XX/XXXX, how you cant show it to me when you just said you seen it. Im not just going to take your word for it. He kept going back to the statements. But, he even admitted that he dont check his statements. Furthermore, it being on the statement doesnt mean that I signed up for it. They cant prove I signed up for it. I did a XXXX  claim ( # XXXX ) and XXXX was assigned as the case worker. I asked him for proof that I signed up for this charge, and he ignored my request. I want a FULL refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  report shows that an American Express credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an AMEX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries 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. 
Th US. nts slow a se vi. States nave the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, payment not late account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, thank you!
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX and informed them of the rule they are not allowed to place any XXXX XXXX or debt on my personal credit report they disputed me and said there was no such rule or law and they would not remove, I then called Equifax and spoke with a supervisor named XXXX and he also was not familuar with the rule or law This law per my online research was finalized on XX/XX/year> per your website. it looks like Equifax and XXXXXXXX XXXX XXXX are blatantly violted your rules for not only me but all americans right now. Can you please help me get this collection removed as it is affecting me to purchase a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis has been extremely negligent in the dispute process as well as reporting inaccurate information about me on my consumer report. On XX/XX/XXXX, I sent out a letter asking Lexisnexis to verify ALL information on my credit report regarding a bankruptcy they are inaccurately reporting. I provided a copy of my license as well as a truncated SSN ( for my protection due to the rise in ID theft ) on the top right corner of the letter I wrote them. They wrote back stating that they couldnt verify me ( even though I provided a copy of my license and last 4 of SSN ). I called on XX/XX/XXXX to verify myself over the phone and I thought all was well and the process would continue to go smoothly as I allowed them 45 days pursuant to 15 USC 1681i ( a ) ( 1 ) ( B ). However, 46 days later, I havent received a response which is a violation of 15 USC 168i ( a ) ( 1 ) ( B ) and a lack of exercising reasonable procedures which violates 15 USC 1681e ( b ) and showing lack of the grave responsibility they are to exercise pursuant to 15 USC 1681 ( a ) ( 4 ). I got a response on XX/XX/XXXX ( 6 weeks later ) however the letter was dated XX/XX/XXXX. They withheld their response from me for 6 weeks which further evidences their violations! They further stated, in that letter, they disputed the information with XXXX XXXX and XXXX. However, this shows lack of reasonable procedures ( once again ) as, on the lexisnexis website, they state that lexisnexis is the information provided of bankruptcy information for XXXX and XXXX. I then questioned them asking why they disputed with the other consumer reporting agencies as the question was ignored and got no answer. Furthermore, I also asked them if they are the bankruptcy information providers for XXXX  and XXXX, why would they dispute with them. This further shows lack of reasonable procedures. Lexisnexis further stated that according to their bankruptcy records the information was verified as accurate. I then asked them for a copy of their bankruptcy records and stated that, by not sending any documentation, it would suggest that they do not have the proof necessary to say the information is truly verifiable. No such records were sent which shows negligence on their part. Additionally, I asked them to provide me proof of their permissible purpose ( pursuant to 15 USC 1681b ( a ) ( 2 ) ) as they are, not only reporting inaccurate information regarding the bankruptcy that I asked them to remove from my consumer report, but they are profiting off of information that belongs to me without my consent nor was I ever notified by lexisnexis that they would do this! Due to this, I was even denied a payment plan for a pair of headphones! Lastly, in some letters they stated that I stated that the account is not mine. In no letter do I state such a thing ( please see attached ) which further proves their lack of reasonable procedures and grave responsibility that they MUST, by law, exercise. 

Please let me know any information or documents you may need
Product: Credit card or prepaid card

AAvantage Barclays, I paid off this card to improve my credit standing whichic I have. I paid off {$1700.00} on XX/XX/2023 in full. I spke to an agent who assured me that all is okay and I satisfied my amount of {$1700.00}. Now comes a bill in todays mail stating that I owe {$7.00} for interest charged. When I called today to resolve this situation a representative hung up on me. I could have very easily paid this amount to resolve this isse, however it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a method of verification for several accounts on my credit report for XXXX ( 2 ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/XXXX but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.