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

XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately.

I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Bank account or service

PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX XXXX I have submitted a request in the above listed Complaint ID 's to have an unauthorized credit pull removed from my credit history. The company has removed the unauthorized credit pull from XXXX however they have not removed the pull from Equifax. 

I would like to have the company also remove the credit pull from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

Why the 3 credit bureaus re refusing my dispute please delete all the negtive account lists below ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
4. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
9. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 

10. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Someone tried fraudulently adding themselves as a user on my Victoria Secrets credit card back in XXXX. XXXX caught it and put a hold on the account and sent me a snail mail letter about it asking for verification. I never got the letter and therefore they just CLOSED my account. I never got a phone call or e-mail either which they do have on file for me. I don't knw why they would CLOSE by account and not freeze it or something. Or TRY AGAIN to contact me. When I called XXXX asking what happened and explained it I asked well I didn't get the letter you know I have e-mail and a phone number listed her response was " oh well ... '' and I said now you affected my credit and she said " yeah well '' and so I hung up on her after she said I could REAPPLY for a card.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX {$61000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or deleted : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

AssetRecovery for XXXX XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.
Product: Student loan

On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE HE FOLLOWING ACCOUNTS LISTED BELOW : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit card or prepaid card

I returned merchandise from a skincare company called XXXX. They issued my refund on XXXX XXXX XXXX  the funds were still not back in my Chime account. I called Chime on XX/XX/XXXX and spoke with XXXX different employees : XXXX representatives and XXXX supervisors. All XXXX said they had not received notification from XXXX that my refund was initiated. I told them I had email documentation proving XXXX did initiate it. 

I also said I had filed a dispute against the charges on XX/XX/XXXX and never heard anything about the status. Initially Chime said the dispute would be completed no later than XXXX  (! ), which is a completely unacceptable length of time. Customer Service said they were still working on the dispute. XXXX representative - who is in Chime 's dispute department- told me Chime contacted XXXX on XX/XX/XXXX, which his supervisor- also in the dispute department- said is incorrect and she would pass that on to him as a training opportunity. 

I asked the dispute supervisor for the exact status of my dispute - not just whether it's done or note, but what day they contacted the merchant and what information they have gathered from the merchant so far - and she said she doesn't have any information because the investigation is done by a different department. She said all she could say is that that department is currently working on my dispute. I said, so there's a department that tells customers whether their disputes are being worked on or not, then there's another department that does the actual work? She said yes, and that department doesn't have a direct line of contact. 

On XX/XX/XXXX I received an email that said my dispute is now to be completed no later than XX/XX/XXXX (!! ). Unacceptable does not even begin to describe that new length of time.
Product: Credit reporting or other personal consumer reports

Vystar Credit union claims they charged off a debt of {$140.00} for an account that was not mine yet they report it as a bad debt against me. The account XXXX was my father 's checking account, not mine. 
Vystar closed the account immediately once he was deceased without notifying anyone. Apparently this caused overdrafts for auto payments totaling {$140.00}, but rather than alerting anyone in our family they instead reported it to the credit bureau. Had they attempted to resolve with my father 's estate, it would have been paid promptly. Once my brother ( the executor of my father 's will ) discovered that this amount was overdraft from seeing it on his and my credit report, he went to Vystar and paid it in full. We have a receipt for this which we have produced multiple times to XXXX and to the credit bureau to no avail. I have tried multiple times to get Vystar to remove this bad report because : XXXX. They didn't have to charge off the {$140.00} ( it was paid ) XXXX. It was my father 's bank account NOT mine
Product: Mortgage

Loan # XXXX with XXXX .this was a second mortgage for XXXX.it was paid in full on XX/XX/XXXX.that was acknowledged by ocean on XX/XX/XXXX via email. A satisfaction ( reconveyance, release/discharge ) was filed ) letter was generated by XXXX dated XX/XX/XXXX sent to me by USPS instrument # XXXX onXX/XX/XXXX I called XXXX and spoke with XXXX agent # XXXX inquiring about the satisfaction letter that was sent to the court that I had not received and Georgia status states that it must be mailed within sixty days of full payment or I had the right to demand payment of {$500.00} which I did and was told it was mailed on time and they had no controll over the mail. I again stated that I had not received it, and it was important enough to send registered if it was a eviction letter it would have been registered. I was then transferred to XXXX agent # XXXX.I went over the entire conversion with him and demanded {$500.00} for the delay was told to contact the research dept via fax. On the same XX/XX/XXXX I received a copy of the satisfaction letter via email. They are required to send it within sixty days, they are 7months late I still have n't received a hard copy. I want my {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021 are reporting on my personal credit file with ( Equifax/XXXX/XXXX ) credit reporting agency . These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Product: Credit card

I have a complaint about a purported denial by AMEX of a credit card application, which I did not submit and which was indisputably generated as a result of a computer glitch. Even though AMEX staff recognize that the denial was triggered by a technical glitch, they have refused to withdraw or amend the letter of denial on the ground that the letter was machine-generated. A letter of complaint which I addressed to AMEX on this matter has remain unanswered. A copy of the letter is herewith attached. Not satisfied with AMEX 's failure to respond to my letter of complaint, I have taken the advice of the AMEX staff and torn up all my AMEX cards. I take exception to the unsolicited letter of denial which I have received, the deliberate falsification of the record by AMEX and the potential adverse impact of a false letter of denial on my personal record.
Product: Credit reporting, credit repair services, or other personal consumer reports

see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate my original complaint Experian just sent the complaint to the furnisher as usually. 
Experian investigation includes the ARM Rule for furnishers : Collection Agency must have a Creditor Code which is not listed.

Collection Agency must report a contract there is no XXXX contract reported. 
Collection Agency must report Full Monthly File which is not presented. 
Experian under the Fair Credit Reporting Act must verify the accuracy of the furnisher like all the above and XXXX XXXX XXXX does not have an license to Collect in Michigan and other states. 
I have sent Experian a copy of the XXXX stating that the only one who is reporting XXXX  as an debit is XXXX XXXX XXXX and Experian. XXXX   states I do not have an account with XXXX .Remove this account immediately and return my 20 point credit score. 
This is an fraudulent Collection Agency Experian let on my credit report without verify the furnisher.
Product: Debt collection

Called and sent a cancel agreement to stop new XXXX XXXX XXXX. 
Never transferred my phone service to XXXX. 
They put a negative remark on my credit report
Product: Mortgage

My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.
Product: Money transfer, virtual currency, or money service

Im writing to express concerns about Zelles handling of disputes, especially after the recent CFPB lawsuit that exposed major issues with the platform. Despite using Zelle multiple times and reporting problems, my bank and Zelle did not properly investigate my claims. They told me recovering lost funds was impossible and tracking transactions wasnt an option. The CFPB report shows that Zelle has failed to protect users and allowed scammers to take advantage of the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXX & XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX - I reviewed my credit report and noticed an open collection account that I just realize was never mine. The amount owed is {$370.00} to XXXX XXXX XXXX XXXX XXXX XXXX This account was opened in XX/XX/XXXX. The DATE is what caught my attention because I was in a XXXX XXXX XXXX XXXX XXXX in which ALL of my creditors were notified and my debts successfully settled. 

Today I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX. He attempted to find my account using my married name - XXXX, my maiden name- XXXX and the last XXXX digits of my SSN ( XXXX ) - He was unable to find any record of an account for me. He advised that I call XXXXXXXX XXXX 

I called XXXX XXXX XXXX XXXX XXXX XXXXXXXX and spoke to XXXX. I provided him my social security number in which found an account. He asked me to verify my address, to which I provided my current address, and my last known addresses in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX and he said the address they have on the account did not match. He proceeded to tell me that he can not give me any information on this account. 

I have only had XXXX accounts with XXXXXXXX XXXX XXXX XXXXXXXX that is current with XXXX, and XXXX that was a luxury account that was settled by XXXX XXXX. At XXXX point my husband had a XXXX XXXX account through XXXX Bank that was I ONLY an authorized user on.
Product: Credit card

I have an old paypal account on my credit report that I do n't know why it is there and want it removed. I have a PayPal account in good standing