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

PayPal closed the Dispute without refund because the documentation you provided did not support your Dispute. The order number and time on the screenshots you provided did not match the transactions details on the Payment. This indicates to us that this was not a duplicate charge for one order, but rather two separate orders. Wow, are you listening to yourself??? How in the WORLD could there be two separate shoe orders on the same day, that just happen to be the same exact dollar amount?!?? For over 700 dollars worth?!?!? Thats not a coincidence. Are you really that stupid??? No Youre just con-artists!!! The order number and time on the screenshots didnt match the transaction details on the payment, because the first transaction never happened!!! DUH!!!! Lastly, I showed you proof via the checkout page that XXXX did NOT accept my PayPal for payment!!! And I also told you that XXXX confirmed said order never went through. So theres no way you contacted XXXX and they told you that order went through. You lie Which means you didnt disperse the funds to them, you pocketed all that money for yourselves!!!! STOLE MY MONEY Disputing the charge with my bank.. SCAM-ARTISTS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appear to be at risk from the Equifax data breach I have requested a credit report from Equifax XXXX via XXXX ) but am informed that it is not available
Product: Debt collection

On XX/XX/2019 I discovered a wage garnishment, from P.S.C. Inc. located in XXXX Washington, on my pay stub, and asked the accountant at my work about it. They said yes there is a currant wage garnishment, for the amount of XXXX dollars, he asked if I was notified and I said no. I do know that I am supposed to get notice of this type of legal information before my employer so I can have time either to dispute or come to an agreement with said company. I have not received any phone calls or proper written information on this matter to get to the bottom of this.
Product: Mortgage

I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Dob : XXXX XXXX XXXX To Transunion Date XXXX [ am mortified that you are reporting inaccurate information on my behalf without a thorough investigation., The accounts listed on my credit report are not mines and by law with the documents presented they must be removed. 
The accounts listed are XXXX XXXX XXXX : account Number XXXX is not mines please remove. 
The inquiries listed on the report XXXX : XX/XX/XXXX is not mines please remove The inquires listed on the report XXXXXXXX XXXX XX/XX/XXXX is not mines, Please remove The inquiry listed on my report XXXX XXXX  - Date : XX/XX/XXXX is not mines please remove. 
Thank you for your time and consideration. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I informed the credit reporting agencies and companies that I have unauthorized inquiries on my reports that I need removed. They failed to remove unauthorized inquiries from my credit report, by saying that they are unable too. I also indicated potential identity theft. As a precautionary measure, I placed a security freeze on all my accounts to prevent further unauthorized access. The companies still failed to remove these items and/or conduct an investigation with no explanation on why. 

XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX - XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous Reptg. Agencies XX/XX/XXXXXXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX non specific XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard credit inquiry on my profile. I thought it was a soft pull with no impact to credit profile.
Product: Debt collection

I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and I have no connection with the creditor mentioned.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
XXXX : ( XXXX ) XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

XXXX XXXX XXXX XXXX  Monday- Friday ( except federal holidays ).

15 U.S.C 1881 Secticag 604 A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions
Product: Prepaid card

I purchased a party for my son on XX/XX/XXXX. I was overcharged by the merchant and was refunded {$130.00}. Cashapp posted the amount of {$180.00} to my account. I was told it would take up to 10 business days ( 14 calendar days ) to get my refund back. The merchant said the money is instantly refunded back to the card when I went back to the merchant on XX/XX/XXXX and spoke with the XXXX XXXX who refunded me my overpayment. I provided cash app the receipt of the overpayment on XX/XX/XXXX. The representative informed me to file a dispute and on XX/XX/XXXX I was denied even though I provided the information for cash app to refund me my funds.
Product: Credit reporting or other personal consumer reports

I obtained financing from Denefits XXXX I made payments but then became injured and ill and fell behind. I arranged a settlement agreement with them and have so far made XXXX payments. Despite agreeing to a settlement this company continues to post inaccurate balance info and every month states I am getting further and further behind indicating no payment in last XXXX  days. I contacted the rep from the settlement department and he says they dont update it till I complete the settlement. First off that is incorrect because my credit report for the months since I started the settlement have shown increases in my balance ( and do not match what the rep tells me I actually owe ) and increases in days late - yet I am on time with my settlement for months now. Secondly just because I have a settlement they should still be reporting on my report accurately- I dont care if they note the revised balance as a settlement- I am current with our current agreement. They have promised to remove it once it is paid but they should be accurately reporting in the meantime
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in AdvanceThanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct this erroneous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Debt collection

The incident happened on XX/XX/2018. I was diagnosed with temporary anxiety but the doctors imstakenly gave me a dose of lorazepam. After taking 2 doses to avoid anxiety, i had to discontinue the medicine to avoid dependence. On the evening of XX/XX/2018, after stopping XXXX - i had an anxiety attack and when I called 911 they told me that the XXXX vehicle was on the way. But my friend also arranged a vehicle to take me to the nearest hospital. But when i was on my old cell phone XXXX number, I clearly told the operator that I do not need the XXXX vehicle but the operator told me that they can not cancel the medical services. I never got any written response for nearly 4 years but now suddenly a collection was added to my credit report by a company called XXXX XXXX services for the amount of {$2200.00} I never utilized the XXXX XXXX and I tried calling the company but they could not give a clear answer and told me that it had gone to collection agency. I strongly deny these charges and never utilized their services and I would kindly request you to mediate and clear this from my credit report. Filed a complaint with MA attorney general office
Product: Credit reporting or other personal consumer reports

Experian Dispute Department po box XXXX XXXX, TX XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft and Inaccurate Investigations To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts listed on my credit reports. These accounts are a direct result of identity theft and have been included in my Federal Trade Commission ( FTC ) Identity Theft Report, which is enclosed for your reference. Additionally, I was impacted by the Equifax data breach, further compromising my personal information and contributing to this identity theft. 

Request for Immediate Removal : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. I am demanding the immediate removal of all accounts listed in my FTC Identity Theft Report from my credit files with Experian, TransUnion, and Equifax. These accounts are not mine, and continued reporting is causing significant financial hardship and damage to my creditworthiness. 

( ( False Investigations and Ongoing Legal Actions : ) ) It is also crucial to note that Experian, TransUnion, and Equifax are currently facing legal actions for conducting false investigations and failing to comply with the FCRAs requirements for accuracy and proper investigation procedures. Your failure to adequately investigate and correct inaccuracies : Violates my consumer rights under the FCRA. 
Has resulted in continued reporting of fraudulent accounts, further damaging my financial standing. 
Demonstrates negligence, particularly in light of the well-documented security failures in the Equifax data breach.

Impact of Inaccurate Reporting and Hardship : Due to your false investigations and reporting of fraudulent accounts, I have faced the following hardships : Denial of credit applications.

Increased interest rates and unfavorable loan terms.

Emotional distress and financial instability.

Immediate Actions Required : Delete all fraudulent accounts list
ed in my FTC Identity Theft Report from my credit reports with Experian, TransUnion, and Equifax. Cease all reporting and collection activities related to these fraudulent accounts. Provide written confirmation of the removal within
30 days of receiving this letter.

Conduct a thorough investigation into your dispute handling process, ensuring compliance with FCRA requirements. 
( Attached ) FTC Identity Theft Report Failure to Comply and Legal Consequences : If my demands are not met promptly, I am prepared to escalate this matter by : ***Joining or pursuing legal action for damages caused by your failure to investigate accurately and your role in facilitating identity theft through inadequate data protection and false investigations. XXXX  Your prompt attention to this matter is required. I expect all fraudulent accounts to be removed and a complete resolution within 30 days. 

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

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and/or TransUnion ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX . 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX . 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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

I have contacted all parties ( XXXX TransUnion, XXXX, and XXXX XXXX XXXX trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.
Product: Debt collection

After receiving notification Zwicker & Associates was suing me on behalf of XXXX XXXX for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with Zwicker & Associates office manager on a second call on XX/XX/XXXX at XXXX XXXX CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions Zwicker & Associates failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and Zwicker & Associates won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt Zwicker & Associates sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

Fair Collection & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.
Product: Credit reporting or other personal consumer reports

Experian continues to report incorrect information on my consumer report. None of the numbers listed belong to me the employers are not mine and I do not have a spouse. I previously disputed this information and Experian claimed to have verified the information as correct and it is not. This is my final attempt at demanding this incorrect information be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX  IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND EXUIFAx IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXXXXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND exquifax IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am personally lodging this complaint regarding late payment entries on my credit record. During a review of my files, I identified these late payment notations. Despite having sent correspondence about this issue over 30 days ago, I have not received any response, nor has satisfactory validation been provided. I am seeking your help to address and resolve this situation promptly and effectively.