23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello I used Paypal to purchase a product that was defective I tried to reach out to the seller who was non-compliant. The purchase was for {$240.00} when I did not get a reply back from the seller I contacted my bank who opened a dispute and refunded me the money but reversed the charge and took the money back because I hit the wrong dispute button by accident. I was supposed to hit the button that I am disputing it because I returned the merchandise. I hit the one saying I didn't receive it so when I found out I did the error by my bank I requested to reopen the claim so I can do it the correct way and I was told by my bank that they could not reopen the claim that I needed to take this up with Paypal and the seller since I have a tracking number proving I returned the merchandise back to the seller. I contacted Paypal numerous times to let them know they need to request that this seller gives me a refund since I sent the merchandise back and they have not been compliant at all in my favor to get my refund of {$240.00} even though I have proof and have told them the bank has referred me back to them. Their stance on the matter is that I opened the claim with my bank so I have to go through them and the bank said I should go to them. I feel I have been ripped off for {$240.00} for merchandise I have returned due to it being defective and I am already going through financial hardship due to the pandemic I do not have money for anyone to just take from me. All I want is my refund of {$240.00} that I spent because I returned the merchandise back and have tracking information from XXXX that the seller received it and signed for it on XX/XX/2020 its been 2 months i have been trying to get my money back from this seller through paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX 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 items 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 be corrected immediately : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account XXXX : XXXX ; XXXX XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX*** ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Debt collection

I received a call from Portfolio Recovery on XX/XX/2020 at XXXX XXXX CST. The caller ID had been changed to XXXX XXXX XXXX  which is a company I currently have an up to date credit card with. When I answered the phone thinking it was regarding a possible fraud alert on my card the caller identified herself as being from Portfolio Recovery to collect a debt from XXXX XXXX. I called back the number they called from and it was indeed from Portfolio Recovery and had nothing to do with XXXX XXXX XXXX. I have an issue with this as they not only misrepresented themselves but used information within my credit file to do so. I have a screenshot of the call showing the caller ID and the number that they called from as well as the date and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that jusXXXX XXXX has let access my files. While frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX  have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Product: Vehicle loan or lease

Hello, I sent an email about my vehicle being unlawfully repo 'd upon returning home. I lawfully removed your security interest rights and your right to repo. I know you have a cusip number and I am a XXXX XXXX according to your prospectus. My securties went ignored and since they were not returned the account was then supposed to be corrected and updated. I am requesting a full copy of the contract as soon as possible. I offered a possible international bill of exchange to settle the account and that went unanswered also. This is a notice of taking this to arbitration and/or a civil lawsuit. Since everyone seems to ignore what I'm emailing, we will be contacting your legal department to escalate this the courts. The SEC, CFPB, and the IRS has been notified. I have the right as a XXXX XXXX and the bonafied purchaser to correct any misunderstanding at anytime. I gave the dealership a note and the car was my gift. The audit shows you have been selling the original security on the market and I'm due the monthly interest from that account. Please email me a contact to speak with about the matter. Thanks for updating my account ahead of time, as i know you guys will make this right. 
Sincerely, Holder in due course
Product: Credit reporting, credit repair services, or other personal consumer reports

i had my wallet stolen out my car and filed a police report for identity and theft i submited the police report and its still on my credit report and i dint authorize these those negtive items on my file please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a transfer payment from my Wells Fargo checking account to my Regions credit card. Wells Fargo immediately put a pending charge on my account for XXXX As of today, XX/XX/XXXX at XXXX yhe money has not been transferred to my regions credit card I noticed this on last month payment delayed so I paid attention this time. 
The notification on my Wells Fargo alerts claims thst transfer was made XX/XX/XXXX and funds will transfer on XX/XX/XXXX This is unacceptable practices as Wells Fargo has played with my money for 7 days. 
I pay all my cards ahead of time and not when they are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, you are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in your 2017 data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Product: Credit card or prepaid card

On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ).

We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. 

We received a provisional credit of {$990.00}. 

On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. 

Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. 

However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. 

When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. 

We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. 

WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid.

NFCU has failed us as their longterm customer.

When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. 

In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. 

At this time, NFCU rejected this dispute. 

When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. 

NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. 

Furthermore, they did not process the 1 dispute properly. 

We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. 

There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. 

Upon attending this event - it was recognized as a FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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

All 3 credit bureau specially XXXX told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX ; an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a utility account opened with XXXX XXXX on XX/XX/XXXX ; a collection account with XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, assumed to be apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX XXXX, opened on XX/XX/XXXX ; XXXX collection accounts with XXXX XXXX XXXX, XXXX opened on XX/XX/XXXX, and the other on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, assumed to be associated with apartment debt, opened on XX/XX/XXXX ; and a collection account with XXXX XXXX, opened on XX/XX/XXXX. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or any of the hard inquiries reported. All of these items are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Report ( # [ Private Case Number ] ) as proof from the U.S. Federal Trade Commission that the above accounts, collections, and hard inquiries are fraudulent. I respectfully request that you block the fraudulent information from my credit file within four ( 4 ) business days, as required by FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA.

Specifically, I would like to dispute the following accounts : Bankruptcy XXXX XXXX XXXX Bankruptcy : Discharged XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX  ) XXXX Collection account XXXXXXXX XXXX XXXXXXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX XXXX Bankruptcy Discharged, one account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX XXXX. This is a violation of the FCRA. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection account contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.
Product: Checking or savings account

My account was not authorized for automatic withdrawals. After my payment fell behind due to a partial payment, Navy Federal Credit Union begin taking money out of my account without my authorization which put me in a financial bind with my XXXX XXXX XXXX. The funds in my account were going to be used for partial payments to keep my bills afloat while enduring hardship. This is an economic emergency and not even the banks can pay their debts and loans. The American people depend on administrative process to dissolve debt. Unless you are indigenous or identified under colorable law. My debts have been reported to the Internal Revenue Service via XXXX and XXXX I have been mailed my copy so I know XXXX XXXX got theirs, however they are still evading their administrative duties that they volunteered to uphold. They only want to continue to trade the contract for profit while it sits on their accounts receivables. That means the interest fees go to them not XXXX XXXX. Their execution, their decision, their profit and liability. How can someone be allowed to hold a contract on their accounts receivables and charge the beneficiary of the contract interest fees. And the XXXX government continues to let these people ravish the consumer even in an economic emergency. This is simple accounting. And I will keep filing complaints until your entity forces them to act with clean hands when dealing with my consumer account!
Product: Checking or savings account

On XX/XX/XXXX I received a call from XXXX which is USAAs number. I now have been told that call was a scam. I was scammed out of {$2300.00} which was my balance combined between my checking and savings prior to the call. And some how another nearly {$8000.00} dollars. I have a balance of nearly negative {$8000.00} in my checking account now that all the fraud and scams have stopped. After nearly 2 weeks of going back and forth USAA is refusing to work with me at all.
Product: Debt collection

I have try to dispute this off my credit report I honestly dont know where this debt is what kind of debt it is. I asked for a contract showing the dates. They say they dont provide that information because they are a third party. Which does not make sense to me they have also said they sent out documentation to my mailing address back of XX/XX/2023 which I did not ever receive. I honestly think this company is just scamming people saying they owe money when they dont I would like for this issue to be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of time trying to get TranUnion, XXXX and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX XXXX XXXX  This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite