23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.
Product: Debt collection

This appeared on my credit report In XXXX. I sent them a debt validation letter. They sent me information showing g this was a loan for XXXX it was taken out in my maiden name and from an old address. I have not used my maiden name since XXXX and also have not lived at this address since XXXX. I have not received any deposit from XXXX and can prove that. Someone took this loan out without my knowledge. I am asking g it be removed. They can find out who took it out by looking at where it was deposited. I'd also like to know because if someone has opened another bank account or something like that I need to know that so I can also report it.
Product: Money transfer, virtual currency, or money service

I opened an account with Transferwise on XX/XX/2020. 
My intention was to use their services to do an international wire transfer from my account in the United States to my account in XXXX  where I am currently stranded due to Covid-19 travel restrictions. Both accounts are owned by me. I planned to transfer {$2000.00}. 
On XX/XX/XXXX I was notified that the transfer was taking longer than usual. Since I was in urgent need, I attempted to use a different funding method to transfer the funds instead of waiting. 
After this point, my account was suspended. I initiated an appeal process and I was able to supply the company with all documents required to verify my identity. 
On XX/XX/XXXX I was notified that my account would remain closed. As is company policy they were unable to tell me the reason. 
Since transferring money between two accounts that one person owns is a normal use of this kind of service I can not imagine what problem is. If there are signs of identity theft or fraud using my identity, it is something I am unaware of but would like to be made aware of it so I can deal with it.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$520.00} Account Name : XXXX XXXX  Account Number : XXXX {$670.00} Account Name : XXXX XXXX Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and list of Inquiries. 


15 U.S.C 1681 section 602 A. States 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 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 ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023, I noticed unauthorized transactions on my XXXX account going to cashapp tags that did not belong to me in the amount of {$18000.00}. I have my cash app statements and none of the charges appear there. Someone set up cashtags and used my bank account information to withdraw money to these accts. Why didnt a red flag go up having my bank account on more than XXXX cashapp account? I contacted Cashapp several times and they said that they are not responsible to contact XXXX, which i did and went through legal for a XXXX  they also said they were not responsible.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX  Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX  Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

A letter was sent on XX/XX/2024, the report number XXXX. The letter was to remove inaccurate personal information that I do not want reported on my credit profile. According to the FCRA, Fair Credit Reporting Act 15 USC 1681. I have right to privacy. Following also Fair Credit Reporting Act 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are direct clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I have order a software through paypal merchant with XXXX XXXX at XXXX and And paypal payment went though as family and friends payment and it was supposed to be for service and goods and I have not received the software that I have ordered I have call paypal to let Them know and try to file a claim and get my money back paypal attitude has been nasty and disrespectful I have been told off saying that they mistake was my fault I have been put on hold for hours and hours I have even been hung up on I have even try to email XXXX To tell hIm what happen and still nothing
Product: Vehicle loan or lease

In accordence with the fair act this creditor has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card

I received a letter from Wells Fargo, dated XXXX XXXX, XXXX, informing me that my application for a credit card was denied. The problem is that I never applied for a credit card with Wells Fargo or with any other institution. I called Wells Fargo and XXXX to report the fraud. Wells Fargo has made a record regarding the fraud. XXXX added a one-year security alert to my account. XXXX also stated that they would check my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX
Product: Debt collection

Trident Asset Management is reporting a account on my credit report XXXX, XXXX   and XXXX which does not belong to me. The account shows a open status from XX/XX/XXXX to present. I reached out to the company on XX/XX/XXXX about this account and did not get any help with the matter.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA, XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

On XX/XX/XXXX, I received a missed call from an unrecognized number. I called the number back at XXXX in which stated Frontline Asset Strategies. I spoke to someone in why I explained that I did not owe this debt to them. Upon the first contact that I have had with them on XX/XX/XXXX, I informed the representative that I had not received any written notice in regards to such debt and the call was disconnected. As of today XX/XX/XXXX, they have been calling repeatedly I did not receive written notification within the 5 days as per my rights under the Fair Debt Collection Practices Act. I sent them a letter today by Certified Mail Return Receipt informing of this and instructing them that I will seek legal compensation for violating my rights unless collection attempts are terminated for violating the laws to allow a consumer to validate weather the debt is valid!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is a re-contact for XXXX. There is a credit card showing up on my report for JC Penney and is not mine. I am requesting deletion of this account, I have just come from XXXX and have no idea who this account is or how I am associated with this. If you would like me to file a report with the XXXX, do advise me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXXits affects my credit score greatl.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints about my file to the bureaus by certified mail and I have receipts. They continue to report the wrong information. Experian specifically has not investigated my file according to what I can see.

Experian continues to report that I'm late : " 2 or 3 '' times. The FCRA states that everything must be 100 % accurate and verifiable. They have not investigated this as I can see the reporting date is many years old and they have failed to provide any documentation
Product: Mortgage

This is a Follow up complaint of the US-Bank handling my HELOC ( Home Equity Line of Credit ). Previous Complaint # XXXX Filed at CFPF on XXXX. 
In short, I have had this HELOC for the past 9 years without any problem. In XXXX, I received a warning letter which required me to provide the bank with my Condo insurance policy. Which I did fax it to the number provided. Later I received another warning letter, I did again faxed my condo insurance to the number provided. But the warning letters kept coming, Then I went to the Bank & handed the copy of my Condo insurance & they faxed it for the third time to the number provided. The warning letters kept coming, I went for the second time to the US bank & handed again a copy of my Condo insurance, Again, Warning letters kept coming, I talked to my Condo insurance company, They faxed it for fifth tie to the fax number provided. Then I received a letter charging me an amount {$480.00} for a condo insurance which allegedly the US bank purchased on my behalf. I wrote to the CFPF & a week later the {$480.00} charges were dropped & removed from my account, but then I just received a letter stating that My access to the my HELOC at the uS bank has been suspended effective immediately due to " lack/insufficient Hazaed Insurance '' as required by the HELOC agreement. 
I am simply confused with the actions & mishandling of my HELOC at the US bank. 
I have spent so much time and energy, since XXXX regarding this matter I need the US bank to reverse immediately the illegal suspension of my access to my HELOC and send me an apology letter explains their incompetent handling of my HELOC for theist two month. 

Thanks
Product: Debt collection

Ive asked the company twice to stop calling me and I am still getting multiple calls a day.
Product: Credit card

I have a Carnival Rewards mastercard with BarClays. I was looking through my statements and noticed several fraudulent transactions and reported them. I was issued a provisional credit while they investigated my claim, but soon reversed the credit because they said the transactions were valid and I benefited from them These transactions include XX/XX/year> XXXX in XXXX XXXX California for {$250.00}. 
The information provided said that the chip technology was used and can not be duplicated. I never lost that card and never gave anyone permission to use that card. I explained that I live in XXXX Michigan, and have never been to California nor did I use that card and purchase anything at XXXX XXXX. Barclays insists that I did this transaction and by insisting that I did this transaction has concluded the other transactions made in California were made by me too. These include XXXX {$5.00} transactions to XXXX XXXX XXXX XXXX on XX/XX/XXXX and one on XX/XX/XXXX. Same day the XXXX XXXX purchase was made. There was also a charge on XX/XX/XXXX to XXXX XXXX XXXX for {$32.00}. I called again and explained it's impossible for me to have used the chip technology at those places because I have never been to California and literally live XXXX XXXX miles away. Barclays refuses to make this right and has said I most definitely benefited from these purchases. I was a victim of fraud and Barclays has done nothing to help me in this situation. I requested a new card and shut off the old one when I noticed these transactions, however I refuse to activate the new card in fear that something will happen and Barclays will refuse to protect me under regulation Z. I have asked for the information as to what was purchase with my credit card, but Barclays has refused to provide that info, nor credit the fraudulent charges off my card.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Revolving Account account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Revolving Account account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a Revolving Account account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a open Account account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX and a open Account account opened at at XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries, Accounts with Adverse Information and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

bank of america slashed 70 % of my VISA card limit stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate
Product: Credit reporting or other personal consumer reports

TransUnion had reinserted two accounts back on my credit file from XXXX account numbers ( XXXX ) and ( XXXX ). In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they were required to notify me of the reinsertion in writing within 5 business days. They are in violation of the FCRA. I didn't received no such notification. 

I sent a demand letter to delete the 2 XXXX accounts for violation the FCRA on XXXX XXXX. I haven't heard anything back yet about this issue, and they're still reporting these 2 accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR ; OLD NAVY CREDIT CARD ; XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions dispusting the medical collections account on Equifax. My recent results came back on XXXX XX/XX/2018 as verified this item belongs to me. This is the same response Equifax sends without actual validating that the account truly belongs to me. No validating information has ever been sent to me that this is in fact my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022
Product: Credit reporting or other personal consumer reports

I submitted a written dispute to TransUnion on XX/XX/XXXX, requesting removal of a 30 day late payment on an account on my credit report, and another letter XX/XX/XXXX, regarding some inquiries on my report that I did not authorize. I provided all required identifying information, including my full name, address, date of birth, and social security number, as well as copies of my driver 's license, social security card, and utility bills. 

However, instead of investigating my dispute as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion sent me a letter stating that I must create an online account or call them to proceed. Additionally, their letter began with the phrase, We applaud your recent efforts to take charge of your credit. 

This response is condescending and dismissive. TransUnion is legally obligated to process disputes, not applaud consumers for exercising their rights. 
A stall tactic designed to delay the dispute process and place unnecessary burdens on consumers. A violation of the FCRA, which does not require a consumer to create an online account or call in order to dispute inaccuracies in writing. 
As a single mother of XXXX and a full-time XXXX, I do not have time to sit on hold or navigate online portals that serve no legal purpose. Written disputes are the most protected method under federal law, and TransUnions attempt to push consumers away from them is deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX  and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.