23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. 
I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. 

In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. 

In addition I was promised by a Paypal representative that Paypal would take my side on this issue. 

The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. 

Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. 

I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. 

Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. 

You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. 

I will continue to pursue this case and have my money refunded, and pursue legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ XXXX XXXX ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit bureaus To whom it may concern : Account Name : XXXX  Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a past due balance of {$1500.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Debt collection

This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.
Product: Credit card

On XX/XX/year>, I tried purchasing one item in-app. However, there was a glitch and I did not receive it, so I tried to purchase it again. I did not know that it would go through as XXXX transactions. 

I contacted the game developer to remediate and requested a refund. The developer confirmed that I was eligible for a refund, and they confirmed on their end that I did not receive the items. They told me to go through XXXX to start the refund process. 

I contacted XXXX on their reportaproblem page as directed. I requested a refund. However, I was denied. I requested an appeal and told them that I had a screenshot of my interactions with the developer, and that the developer told me it was ok to screenshot as proof of my eligibility for refund. 

I requested for a refund on XX/XX/year> and I was denied. I appealed on XX/XX/year> and was denied. I called XXXX to try to escalate the issue on XX/XX/year> and after spending XXXX minutes with XXXX advisors, they told me there was nothing that they could do. I uploaded the screenshot to them through a link they sent me, but again, they unfortunately told me there was nothing that they could do on their end as there was no option for further appeal. 

My next option is to try and get a chargeback with my bank but that means they'll lock my XXXX id. On a third lock, my XXXX ID would be banned. I am being punished for something that is no fault of my own, but also my money is being taken from me for a service I did not receive. So not only have they wasted my time, they refuse to refund me my money that I am eligible to have returned. 

The total was : {$43.00} XXXX, so {$87.00}.
Product: Mortgage

I sent 4 Electronic payments of {$680.00} for my XX/XX/2019 payment. One payment is missing and not applied to my account. I contacted my bank whom spoke with them and said they received the payment. I sent proof of payment and bank statements. Still loancare can not find XXXX dollars
Product: Money transfer, virtual currency, or money service

Someone on XXXX ( impersonating XXXX XXXX ) had messaged me consistently for a few weeks saying they wanted to buy me jewelry, they then sent me two checks on XX/XX/XXXX for {$3500.00} and another on the XXXX for {$4500.00}. They both went into my account successfully. After that they sent me a jeweler and i looked him up to find his account and was to purchase the jewlery there as a personal buy, when i sent some not all of the money to this account they deleted their accounts and the checks bounces, in which they took {$5000.00} of my money in my checking account. This was done through zelle, i contacted both XXXX XXXX and Zelle and they said they blocked this man from the bank he was using and from zelle. His phone number is ( XXXX ) XXXX, name XXXX XXXX. If they were able to confirm he committed fraud and took my money and blocked him, how are they not able to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters informing XXXX Equifax and XXXX of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning I am submitting an Complaint that I have with XXXX, Transunion, and XXXX regarding XXXX XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you to file a complaint about false information being reported on my credit report. As a responsible borrower, I am very concerned about the accuracy of my credit report and the impact it can have on my financial well-being. 

Upon reviewing my credit report, I have noticed that there are many items that are inaccurate and do not reflect my true credit history. These inaccuracies include late payments, delinquent and inquiries that wasnt approved or authorized by me, or accounts that do not belong to me I have attempted to dispute these inaccuracies with the creditors directly, but have not been successful in having them corrected or removed from my credit report. I believe that these errors are damaging my credit score and ability to obtain credit. 

I request that you investigate these inaccuracies and correct them as soon as possible. I also request that you inform me in writing of the results of your investigation and the actions taken to correct the errors. Due to law 15 usc 1681 You are required to do what I am asking regarding these inaccurate reports and transactions within 3-5 days of receipts .I am looking forward your respond Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card

Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

In the late summer to early fall of XXXX  I deposited a check into my XXXX account. The check cleared without issue, and I used my account normally for several months. However, in XXXX, I received a notification from XXXX stating that my account was being closed due to alleged fraud related to that check. This decision came without any prior warning or communication about potential issues with the check or my account. 

When I contacted XXXX to understand the issue, I was told to speak with the issuing bank XXXX XXXX XXXX ). However, when I reached out to XXXX Bank, they informed me that the issue was on XXXX side. When I followed up with XXXX again, I was told there was nothing they could do, leaving me without clear answers or any resolution. 

This mishandling has left me without access to banking services for XXXX weeks, including the critical holiday season, when reliable access to funds is especially important. During this time, I was unable to manage essential financial tasks, deposit checks, or use my account for day-to-day needs. Adding to this disruption, it took about XXXX weeks for XXXX to issue a cashiers check for my remaining balance, further compounding the financial and emotional toll of this situation. 

Chases actions have caused significant stress, wasted time, and disrupted my ability to manage my personal and professional finances. Despite my repeated efforts to resolve the issue, XXXX has not provided a clear explanation for why the check was flagged months after it cleared or why my account was closed without notice. Furthermore, Chases refusal to take ownership of the issue or work directly with XXXX Bank to resolve it has left me unsupported and frustrated as a customer.
Product: Credit reporting or other personal consumer reports

According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian fall under the category of consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains confidential. This right is reinforced by Section 6801 of Title 15 USC, which emphasizes the obligation of financial institutions, including those furnishing information to credit agencies, to safeguard customer privacy and confidentiality. 

Section 604 ( a ) ( 2 ) of Title 15 USC states that consumer reporting agencies may only furnish consumer reports in accordance with written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my consent, let alone written consent, to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, or the furnisher of information to credit agencies, is hereby revoked. 

Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties unless the consumer is informed of their right to opt out. However, the furnisher of information to credit agencies failed to inform me of this right to exercise my nondisclosure option. 

Additionally, Section 1681C ( a ) ( 5 ) stipulates that consumer reporting agencies can not include adverse items of information in consumer reports without authorization. Yet, XXXX and Experian are reporting adverse information without my permission, which is a violation of the law. 

According to Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e of Title 15 USC, it is prohibited to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to maintain reasonable procedures to ensure compliance with the law. XXXX and Experian are evidently failing to uphold these standards. 

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Debt collection

Received a notice of a debt from American Collections Systems in XXXX for a debt I did not owe. XXXX XXXX, XXXX in XXXX, WY tried to charge me for damages to a rental townhouse I rented from XXXX. Rent was paid on time and there is no dispute that rent was owed, however, months after I left the premises I was sent a charge for over XXXX dollars for supposed damages incurred by me. The damages were present before I moved in and a checkoff list with walk through was performed in XXXX when I first moved in. The carpets were cleaned but the walls had not been painted. All damages were noted at that time. Later the owner of the renting real estate group was sold to XXXX XXXX, XXXX. They, XXXX XXXX, did not perform any walk throughs with me before or after my moving out of the residence. A water pipe froze in XXXX in the garage which leaked through the kitchen wall causing the outlet to the refrigerator to burn out and shorted other wall sockets. The kitchen and living room were filled with water. I cleaned as well as I could and called XXXX XXXX who sent out a cleaner but the cleaner only sprinkled some white powder on the carpet and a few hours later came back and vacuumed the carpet. The carpet was never lifted up and this resulted in damage to the subfloor. This was the damage that I was being charged for along with other small problems noted on the original walk through in XXXX. I told XXXX XXXX and later American Collections Systems that these were fraudulent charges, but they denied this claim and notified the Credit Bureaus that I owed this debt and have hurt my credit history making it difficult to rent these last 7 years. XXXX XXXX claimed that my dog must have peed throughout the first floor and caused this damage? This should be removed from my XXXX XXXX as I did not cause any damage to the property. My next door neighbor went though the property the day before I moved and confirmed the town house was in good condition, better than when I took possession of it in XXXX.
Product: Debt collection

XX/XX/year> Company : XXXXLVNV FUNDING Account type : Debt Buyer Account number : XXXX Amount reported on XXXX credit report : $ {$4300.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following What the money you say I owe is for?

Explain and show me how you calculated what you say I ow.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgement.

Provide me with proof that I entered into a contract with your collection agency or your law firm.

I am requesting Assignment Contracts.

Copy of the original contract bearing my signature that I signed on for this debt.

Payment history from the original creditor that show payments.

I want the name and address of the original creditor.

I want proof you either own or were assigned this debt.

I am requesting an assignment contract.

If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character