23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires made by the following XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, SYNCB on XX/XX/XXXX, SYNCB on XX/XX/XXXX I contacted XXXX, XXXX & XXXX via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Product: Checking or savings account

Hi, Thank you for taking this complaint. 

I opened an account with Citi, using their online system, to earn a {$400.00} Bonus for my new {$15000.00} funded Checking / Saving Account after 90 days. After opening and depositing my {$15000.00} new money, I had to call to obtain access to my account online. During this and a second call with them, I confirmed eligibility. After waiting 3 months, I contacted about the bonus, they said I need to wait up to 3 months for the bonus to appear in my account. After waiting further, they say my account is not eligible because I have a priority account, which requires {$50000.00} in savings. Apparently, they opened the wrong account for me initially and will not fulfill the terms I agreed to. Their mistake has cost me months without access to my {$15000.00} and several hours on the phone disputing the issue. Their website could have a simple bug which should lead to a simple apology and correction, but now feels like it's a bait and switch mechanism to fraud people. I just finished a call with the sales department, they said nothing can be done now that the terms have ended, I disagreed and asked for a supervisor, he reluctantly sent me on hold to the supervisor, but like I've had several times, the call went blank and disconnected. Many calls with the company are left to wait and disconnect, very frustrating.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX CST I received an email from Google Pay that I transferred {$750.00} to another person. I did not initiate this transaction and immediately reported the transaction as fraud using the link in the email. I received the dispute request confirmation email from Google Pay at XXXX, 16 minutes after I was originally notified about the transaction. 


On XX/XX/XXXX, XXXX CST a rep with Google Pay support replied back to my support ticket saying " no fraudulent activity '' was found on my account. I attempted to get them to escalate the case because I didn't make the transaction, don't know who it went to and am shocked that with a fraud report 16 minutes after the transaction that they could do nothing to stop it. 

Over the next few days I continued emailing with Google Pay support, but they refused to give any more details on the case. 


Following their own EFT Error Resolution Policy they state that if I reported the unauthorized use within 2 days the most I can lose is {$50.00}. However Google Pay support says that policy may not apply but will not give me a reason.

I have stated in my communications with Google Pay support that I believe the transaction is fraudulent, that I believe I know how the unauthorized use of my account happened, but they refused to review the case further or provide any details to why.
Product: Money transfer, virtual currency, or money service

Hello! 

I've been with PayPal since 2003. On XX/XX/XXXX my attempts to transfer money to my bank account were declined, then on XX/XX/XXXX I received an email that my business was not " active '' and that I could no longer use PayPal " due to potential risk ''. Now PayPal is holding my entire balance of {$10000.00} USD for 180 days and has permanently banned me from using their service. 

I've tried to contact PayPal online and by phone and the only explanation they offer is " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I double checked my account activity and it is all normal. 

PayPal is an important service to me and my company and I want to continue using it to process payments. Of course I also want access to my money. 

Thank you!
Product: Credit card or prepaid card

I purchased a " club '' membership from XXXX XXXX XXXX on X/XX/2017, included in this I also purchased a product of which I am not disputing. the total dispute amount is {$38.00}. I am requesting the refund of {$29.00}. I attempted to resolve this matter with the merchant to no avail. I then disputed the charge with my card issuer XXXX XXXX.
They made a very feeble attempt to resolve the matter by sending me a copy of the receipt. I already had this receipt. I am not sure at what level of common sense the dispute department operates at. Proof of purchase was not at issue. It is now going into 3 months and I am getting no where with either party. I am requesting this agency, assist me in recovering funds owed me. These merchants play games with consumers and do not take responsibility for there actions or lack there of. I will take this matter for the sake of principle to whatever the law allows, so others may be protected from these types of abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A : states that 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transpency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Wakefield & Associates , Inc . 
Department # XXXX XXXX, TN XXXX ( XXXX ) XXXX Subject : Dispute of Collection Account Dear Wakefield & Associates , Inc., I am writing to formally dispute a collection account listed on my credit report. The account in question is identified as follows : Account Name : Wakefield & Associates , Inc . 
Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Date Assigned : XX/XX/XXXX Upon reviewing my records, I believe this account is being reported inaccurately. I have no knowledge of the collection or believe the amount reported is incorrect. I respectfully request that you investigate this matter and provide proof that the collection is valid. 

If no valid documentation or verification of the debt is provided, I request that this collection account be removed from my credit report. 

As per the Fair Credit Reporting Act, I request that you provide me with the results of your investigation within 30 days. Please send any responses or documentation regarding this dispute to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My XXXX, XXXX  and XXXX Credit File is showing a past due amount of {$300.00} and a balance of {$300.00} for a Shell Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Citibank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Citibank. I have contacted Citibank concerning this issue before and it was never corrected.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted XXXX fraudulent inquiries.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unauthorized Withdrawal from PayPal Account ( Case ID : XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized withdrawal of {$1000.00} USD from my PayPal account. Below are the details of the situation : Issue Overview : Order Information : On XX/XX/year>, I received an order for {$1000.00} USD. The item was shipped via USPS with signature confirmation, and the tracking information confirms the package was successfully delivered. 

Payment Dispute : On XX/XX/year>, I discovered that the payment of {$1000.00} USD had been withdrawn from my PayPal account without my knowledge. I was never notified of this dispute by PayPal, and I was not given the opportunity to respond or submit evidence to support my case. 

Buyers Actions : The buyer did not reach out to me for a return or refund. There were no issues with the product. Instead, the buyer initiated a chargeback without any prior communication or attempt to resolve the matter. 

Concerns : I did not receive any email notification about this dispute, which prevented me from addressing the issue in a timely manner. As the order was successfully delivered and no return or refund request was made by the buyer, I believe the chargeback is unjustified and unfair. 

Request for Resolution : I request that PayPal return the withdrawn amount of {$1000.00} USD to my account. 
I ask that PayPal review this case to ensure fair handling of disputes and better protect sellers in the future. 
I urge PayPal to improve their notification system so that sellers are informed of disputes promptly, allowing us to respond in a timely manner. 
This situation has raised serious concerns about PayPals handling of disputes and the protection of sellers interests. I believe this issue requires attention to ensure fair treatment and proper safeguards for sellers.

I have attached relevant order details for your review. Thank you for your attention to this matter, and I look forward to your assistance. 

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

Dispute of Kohls/Capital One Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my Kohls/Capital One Credit Card account XXXX which was opened on XXXX XXXX XXXX, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to Kohls/Capital One to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the Kohls/Capital One Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the XXXX and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On Friday XXXX XXXX, 2017 at XXXX XXXX our car was repossessed. We live in a gated community with security guards. While the security guard was away, the tow truck driver broke into the community by forcing the EXIT gate up and the proceeded to drive over a median flower box with lighting both of which he damaged. Not only did they break in but they came in a Exit endangering anyone that might be leaving the community. The bank that holds the lien, Chase, has been unwilling to share any helpful information. The payment were neglected by my wife, and the car was under my name. I offered to reconcile debt, pay a few months in advance and link automatic payments to my bank account moving forward to make sure this never happened again. Money was not the issue, neglect was. They have refused this and will only allow me to get the car back by paying off the lien PLUS their fees - which are undoubtably towing, storage, etc that were all done illegally. They have also attached this Repo to my credit report, which is understandable for a repo, but their unwillingness to work with me and the way in which the vehicle was taken is just irresponsible business. I now have a matter of days, all with a holiday in the mix which the banks will be closed for, to figure out how to get someone else to purchase this entire lien with my once great credit that is now destroyed. I have taken accountability, humbly apologized and have offered many suggestions including leveraging my personal businesses to reconcile the debt.
Product: Debt collection

I do not have a signed contract nor any contract with PROFIT SERVICES GROUP. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with PROFIT SERVICES GROUP. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting or other personal consumer reports

I have sent request letters to have my personal information corrected by Experian several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.
Product: Credit card or prepaid card

I was open a American express green credit card account on XXXX, however my credit card account was cancelled by AmEx fraud team by XXXX, they still charged my {$150.00} annual fee as I just use credit card for 11  days. I paid off all the money which i spent, and asked they refund the annual fee for me, because i just used for 11 days, that is not make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TRANSUNION about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report. These accounts and inquiries do not belong to me, and I request that you investigate and remove them immediately, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the accounts and inquiries in question : 1. XXXX, Account # : XXXX, Bureau Code : Joint, Balance : $ XXXX I am not aware of this account, nor have I ever opened a joint account with CAF. This account is fraudulent, and I request that it be removed immediately under 15 U.S. Code 1681. Please take immediate action to remove this fraudulent account from my credit report. 
2. XXXX, Account # : XXXX I have never owned a credit card. XXXX account is fraudulent. Please remove this account from my credit report promptly. 
3. XXXX, Account # : XXXX, Balance : $ XXXX I have never received any notification or documentation regarding this debt, which denied me the opportunity to dispute it. I contacted the collection agency immediately after seeing this account on my credit report, but they have failed to provide adequate documentation to validate the debt. This is a violation of the Fair Debt Collection Practices Act, and I request that this account be removed from my credit report. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX ) This account is invalid, and its presence on my credit report is a violation of 15 U.S. Code 1681i ( 5 ), which mandates the removal of invalidated credit information. I demand that this account be removed immediately. 
Fraudulent Inquiries : XXXX XXXX These inquiries were made without my authorization, and I request their immediate removal from my credit report as they are fraudulent. 
Please send me written confirmation once these fraudulent accounts and inquiries have been removed from my credit report. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX