23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

During the XX/XX/XXXX weekend our family went camping to XXXX XXXX XXXX, due to being out in the wilderness we had minimal cell reception throughout most of the visit. On XX/XX/XXXX the wife and I went to the visitors center which has reception, at that point we received notification from the bank that an attempt for a {$25.00} purchase at a XXXX in XXXX, GA was rejected as suspicious. The purchase was attempted through my wife 's debit card linked to our checking account ending in XXXX. She cancelled her card and requested a new one while we had reception and thought that was the end of it. Forward to XX/XX/XXXX and we receive a call and notice about an un-authorized transaction for {$1700.00} through Chase 's online transfer service, XXXX. My wife nor I have ever used Chase in built online transfer service XXXX. Soon after receiving the call, my wife noticed that the caller was asking very sensitive information that she felt uncomfortable sharing and at that point hung up and called Chase directly herself. Chase verified that the caller was likely a scammer and that they would look into the un-authorized transfer and returning our money. XX/XX/XXXX my wife stayed home due to our sick child and called Chase for an update on the review and was told that we were denied a refund due to my wife giving " Authorization '' by using XXXX XXXX XXXX XXXX. Even though she only ever uses XXXX XXXX to open her phone, not to authorize XXXX to approve the transfer for {$1700.00}, at that point my wife requested that a supervisor take a second look into which they agreed to. Fast forward to XX/XX/XXXX and I call personally to Chase on an update on the case and was given the same answer that was given to us initially. At this point I believe that the bank is not taking responsibility for an un-authorized transfer and in violation of Regulation E protections as neither my wife nor I ever authorized any transfer or was verified through any multi-factor verification. Due to privacy policies I can't add screenshot attachments from my phone due to the action being blocked.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4100.00} I have disputed this charge on XXXX XXXX I have froze my credit and have done everything I can think of to resolve this matter in my favor.
Product: Credit reporting or other personal consumer reports

I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict financial and emotional distress, impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$150.00} ; XXXX FI XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My consumer report contains inaccurate information that misrepresents my credit history. This information is both incomplete and inaccurate and this is violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I Went to purchase a Motorcycle. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

I lost my Best Buy credit card and I call them to replace it for me and now they open a new account for me wich i never requested or they run a new hard inquiry on my credit again wich is not normal and this really dropped my credit down. 
I just talk to them on phone a couple of minutes ago and they recognize that it was a mistake and theyre going to work on it. 
But my problem now is that they put a hard inquiry on my credit without my permission and my credit get harmed and dropped 74 points I really went this damage to be repair so I can get my points back because I really have a lot things to do with my credit and now because of this my plans cant work as planned.

Im planning to take this case to court incase i couldnt get my 74 points back. 
I need your advices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Several listed accounts seem to be inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im response to complaint XXXX EXPERIAN has taken more than 30 days to complete their investigation. I was never late on these accounts so they should be marked as paid as agreed or delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered a COMMERCIAL ACCEPTANCE CO account reporting on my credit report, I have never done business with, nor even gone inside a XXXX XXXX XXXX. This account is not mine at all, please remove it from my credit immediately as COMMERCIAL ACCEPTANCE CO has willfully violated my rights by reporting unverified, incorrect, and defaming information about me.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Address ( es ) : XXXX XXXXXXXX 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 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? There are inaccuracies in some of the listed accounts, and it's causing me discomfort.
Product: Debt collection

I have sent Midland Credit Management three letters to find out if they have proper legal authority to collect, proper transferee of ownership, Request first date of default as determined by XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the handling of my previous complaint regarding the late opening of my accounts with Credit Bureaus. Despite my initial complaint and the promises made to rectify the situation, I am disappointed to inform you that the issue remains unresolved. 

As previously communicated, I opened an account with your company. However, I have encountered significant delays in the activation and access to my account, which has caused considerable inconvenience and frustration. 

I must emphasize that this delay has caused me significant inconvenience, as I had urgent financial transactions and business matters that required immediate attention. It is unacceptable that the matter has not been resolved despite my repeated attempts to seek assistance from your company. 

I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to the issue, including the activation of my account and access to all necessary features within exact timeframe. Additionally, I would appreciate regular updates on the progress of this matter to ensure transparency and accountability. 

If my account is not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including seeking legal assistance to protect my rights as a customer. I believe that such actions should be avoided, and I hope we can resolve this issue amicably and promptly. Please assist me to correct the following late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX IN Last reported : XX/XX/XXXX {$7600.00} Good XXXX  Last reported : XX/XX/XXXX {$990.00} Good XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported :XX/XX/XXXX Other Loans : XXXX XXXX XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I wanted to buy a puppy the website XXXX  ... i found a XXXX puppy i like the owner said i need to give a refundable deposit of XXXX $ to reserve the puppy, the cost of the puppy was XXXX XXXX Since this is my frist time buying a puppy i did not better. I send hik the money through XXXX to the email XXXX To XXXX XXXX and his name is XXXX XXXX. On XXXX XXXX. On XX/XX/2021, i decided i do not want the puppy and asked for the deposit back. When i did, he disappeared on me. I tried contacting the website XXXX XXXXXXXX they do not respond and the email they have keeps bouncing back. The persons email is XXXX .and the address he provided is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX United States So please let me know if you can help Me get my money back. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear USAA FEDERAL SAVINGS B, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that USAA FEDERAL SAVINGS B has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for USAA FEDERAL SAVINGS B to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that USAA FEDERAL SAVINGS B immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that USAA FEDERAL SAVINGS B will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I called Core Logic to opt-out of their services in regards to reporting inaccurate and timely information to the 3 major credit companies. They chose to transfer me 3 times. First time hung up on, 2nd time transferred to an invalid mailbox that I could not leave messages on. The 3rd representative I spoke to told me I could not do that. If I choose to opt-out that is my business and they are to comply with my request. I do not want this company sharing my information, as it is not accurate. I will take care of going though and filing appropriate disputes and freezing my credit with each company individually.
Product: Credit card

I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe, I can not get my triple rewards points toward another hotel stay, and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point, it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX, not to mention a potential XXXX night ( {$300.00} ) with the XXXX earned for adding my fiance as an authorized user. Plus my plans are now changed because of not being able to book the hotel room at the price that was advertised.
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was monitoring my credit report the other day and got shocked from the fact that someone applied for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute following account from my report. Dispute and remove following account from my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some hard inquiries and negative remarks on my TransUnion credit report last month. Since then I have received a response from them, and my score also dropped 42 points with no alerts, or reasons explaining why. For the past 60 days I've been working day and night to fix my credit. I haven't missed any payments, and I have been making extra payments toward my credit card balances.