23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX. Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Money transfer, virtual currency, or money service

I had wrong entered wrong country of residency while registering account with PayPal account I withdrawal cash to the account but they require me give more information of which I don't have, am XXXX and at XXXX but I mistakenly entered USA as my country I tried to change the info so I can access the money but it was unsolvable,,,,,,,,,,,,, more details Close PayPal Open in the new PayPal app Open Menu Dashboard Notifications Search by name or email Search by name or email 0 suggestions available Filter by Date : XX/XX/XXXX to XX/XX/XXXX Pending XXXX - {$5.00} XX/XX/XXXX Request Received This request is waiting. 
Send paymentCancel Completed XX/XX/XXXX XXXX XXXX XXXX + {$4.00} XX/XX/XXXX Refund XX/XX/XXXX XXXX XXXX XXXX - {$5.00} REFUNDEDAug XXXX Payment XX/XX/XXXX XXXX XXXX XXXX ( Borderless + {$5.00} XX/XX/XXXX Payment Received " Dear Panel member, Congratulations! Thank you for your active participation in our recent surveys. Your cash rewards have been transferred to your PayPal account. We hope you enjoy our gifts. XXXX XXXX XXXX Please write to our support team within 3 months for any queries related to PayPal '' Report Problem You have selected Transaction, proceed to report a problem Continue HELP CONTACT XXXX SECURITY FEES XXXX PayPal, Inc. All rights reserved. 

Privacy Legal Policy Updates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XX/XX/XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Product: Credit reporting or other personal consumer reports

Multiple hard inquires was preformed on my credit report without my approval and in accordance to FCRA Section 1681 ( b ) ( 2 ), no institution shall pull my credit report without my explicit permission or without a permissible purpose. So I would like these inquires to be removed 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: Mortgage

RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. 

I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following status is Incorrect and unverifiable XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting

I first requested my free credit report in XXXX thru the govt website. 2 weeks later I was notified to submit proof of identity because the data they got from your website was illegible and they could n't understand the nature of my request. Is my request the first time they 've gotten a request from the govt website? They made a request for XXXX different forms of id to accompany and complete duplicate of the information I had already submitted thru your supposed faulty site. I provided clear and legible copies of my social security card, medicare card, utility bill and a cancelled check none of which was good enough for trans union. They have now sent me a third request stating what I previously sent them was inaccurate and unacceptable because it was too old, illegible, not a qualifying document and that I did n't send qualifying documents. Again this is the third time they have turned down my id. I dop n't have anything else to send them. They did n't like what you sent them also. So perhaps you have created this problem for me? It 's clear that they are fishing for more free information about me that they can add to their files and sell, profiting from me while refusing to share with me what info they have and also refusing to remove the erroneous and derogatory information that they have been providing to others and therefore doing damage to me and my good reputation. Trans union realizes that I 'm a XXXX senior and unable to work. Furthermore I have been in their files for 45 years. I 'd sure like to see what they call illegible. It is illegal for trans union to receive the '' benefit of the bargain '' profiting from my information. Furthermore, credit bureaus can be sued and for big bucks. I demand correct copies of my credit report be sent to the address I have provided to them immediately and I demand that they remove each erroneous item listed. Their reporting of false information about me has prevented me from obtaining a place to live. Hope you can help.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Checking or savings account

I initially contacted my bank regarding to my rent ach payment returned due to the funds didnt process until 3 days afterwards which by then there was an an autopay for XXXX XXXX that caused the account to be insufficient. My bank said they will assist me the matter but they simply canceled my newly submitted rent ach payment which caused me to get charge again NSF fee by my apartment. I contacted the bank again specifically telling them I only want to dispute and get reimbursed for the fees involved. Told them numerous time I do not want them to cancel or reverse the ACH because my apartment will just add NSF Fee and late fee to my next month rent. They told me ok they understand and will put notes to only dispute on the fees. But they ended up reversing and canceling the ACH rent payment again. Now my apartment has locked my rent account and only allowing me to pay with cashiers check going forwards. Capital one has one agent told me they were able to find notes and admit they made a mistake and told me they will investigate but when I call back they all deny and told me they dont know anything.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # 1.ACCOUNTXXXX ORIGINAL CREDITOR -XXXX XXXX  ACCOUNT NUMBER # - XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the XXXX  stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report.

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

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

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you review the documents? Several of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.
Product: Checking or savings account

on XX/XX/XXXX, I visited Wells Fargo to open a CD and new checking account, when I checked my Wells Fargo App, I noticed that on XXXX of the business account I have custody of for an organization ( XXXX XXXX XXXX XXXX XXXX ), has a balance that seemed low. When I checked the transactions, I found an unauthorized XXXX payment to XXXX XXXX was made Business to Business ( transaction date XX/XX/XXXX ). I reported to the bank the unauthorized transaction. On XX/XX/XXXX, the bank issued a letter that they can not reimburse the money back for the unauthorized transaction because per policy, the account holder only has XXXX hrs to report an authorized transaction. They are denying the reimbursement because the XXXX hrs have already laps since XX/XX/XXXX and referred me to XXXX XXXX to recoup the money. The bank failed to protect my money from an unauthorized transaction and refused to take any further action ( just an investigation ). I called XXXX XXXX and from their end, there is nothing to dispute because the bank allowed the transaction to happen through XXXX Business to Business payment. XXXX XXXX can only file a dispute if a XXXX credit card was used for the transaction and in this case, wells fargo allowed the payment to process. The money we entrusted to Wells Fargo ( {$4500.00} ) is now gone and Wells FArgo refuses to take any action to get the money back because XXXX hrs have already lapse.
Product: Debt collection

I do not have a signed contract and or knowledge the company Receivables Performance Mgmt which also goes by the name of RPM. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$540.00}. It is against the law to collect on a debt that is not associated with the original collector and RPM has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to RPM
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i Section 5 ( A ) If, 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 ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. After speaking to each company on XXXX I was told that the information wasn't reported from their company of the following information, Please send me the following information 1 All persons you spoke with that verified the information, what direct methods you used in the process, and all address, phone number of the people contact.
Product: Credit reporting

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Debt collection

On XX/XX/year>, I was notified that my account with paypal credit had been sent to collections by synchrony bank. The debt amount is {$830.00}. 

I contacted the original creditor and collection agency. On XX/XX/year>, I reached out to synchrony Bank to address this issue, but they did not provide validation of the debt and refused a payment arrangements. 

Thank you.
Product: Checking or savings account

I am writing to file a formal complaint against Wells Fargo for their handling of fraudulent charges on my business debit card. 

On XX/XX/2023, I noticed unauthorized charges amounting to {$6200.00} on my business debit card. These charges were made by XXXX and XXXXXXXX XXXX and I did not authorize them. I promptly reported these charges to Wells Fargo, expecting them to investigate the matter and refund the fraudulent charges as per their obligations under the law. 

However, when I called Wells Fargo on XX/XX/2023, for an update on my case, I was informed that my claim had been denied.I believe it is unjust given the circumstances as well as the excessive amounts charged on my card. 

I am deeply disappointed with Wells Fargo 's handling of this matter. Not only have I suffered significant financial loss as a result of these fraudulent charges, but I have also lost trust in my bank 's ability to protect my financial interests. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this matter. I believe that Wells Fargo should reconsider my claim and refund the fraudulent charges on my business debit card. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with XXXX, XXXX, and Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. 

The disputed accounts and their respective identifying information are as follows : 1. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX 2. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 3. XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 4. XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. 

I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. 

- According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. 

- Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. 

Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. 


I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. 

I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. 

Thank you for your immediate attention to these serious concerns.