23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get access to my account on my.equifax.com several times today and each time they only get me to reset the password and I am unable to ever login into my account. 

I've contacted the company representatives three times today XXXX and on the first two times, the reps said they would transfer me to the tech support, but we never reach the tech support department. 

On the third try, the rep tried to get us to reset the password and also got the same result being unable to login into my account. 

We keep getting the message, " We are temporarily unable to complete this request. '' I asked the rep to see if there was anything that was incorrect on our account or profile, but each time, we get this message. We try on different browsers too and still get the same message. XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We tried this a couple of times around a month ago too with same exact result. No one is able to provide a solution to determine the reason or cause for being unable to login into the account.
Product: Checking or savings account

I had several transactions over the weekend of the XXXX, one of which was a transfer from my checking to savings account in the amount of {$75.00} on XXXX/XXXX/2017. Once the transactions over the weekend posted, I was charged an Overdraft fee of {$35.00} because of the {$75.00} transfer. I asked Wells Fargo twice to refund the fee and to explain where it states they can charge an Overdraft fee for a checking to savings transfer. Using their logic, I could transfer any amount of money I wanted, even if I did n't have it available and be charged just {$35.00}. So why could n't I just have transfer {$100000.00}? I hope my point is clear on this and it seems like a glitch in their system. I 've been told three times now it 's a glitch and this is the first time I have been refused a refund due to a system error on Wells Fargo 's part. I " XXXX '' overdraft fee caused by checking to savings transfer and not one returned response because it 's something that should n't happen and could be considered predatory and a " sneaky '' was to get fee money from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts that need to investigate and correct for erroneous reporting in my file are listed on my credit report. 


XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX  XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These 3 ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST 3 ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX  {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX  {$13.00} DATE OPENED XXXX, XXXX, XXXXXXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX  XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX XXXX from XX/XX/ ; XXXX XXXX  inquiry from XX/XX/ and then there is XXXX inquiry on XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit card or prepaid card

Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Chase didn't have any additional payment options for my account. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay over $ 600 monthly for all three accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have had so many issues with Wells Fargo private student loans. I have been making payments and even paid well over my monthly amount to take care of the outstanding late payments. Every single month the amount has consistently been increasing and not decreasing despite my attempts to pay it off and work with the company. They harasse me none stop. I was asked to provide a break down of all payments made along with any fees assessed so that I could take a look at where this is all coming from and I have yet to receive that information. I know for a fact that I called and set up payment and not only was the payment not taken out I was given a late fee and hit on my credit report. This is ridiculous. How long is the Finacial governing agency going to let banks get away with this type of robbery? This has caused me physical and emotional distress. I think any student that took out private student loans should be able to convert them into federal student loans. Wells Fargo continues to rob the people who choose to given them their business. The CEO is a cockroach and when you find one in the kitchen there are many many many more. I urge you to help students who went to school to make there lives better, remedy what is happening. This is exactly what happened with the housing crisis except with student loans. We need relief from this the same way people were able to get realif from the  housing crash. Im sick of being constantly robbed and loving pay check to pay check trying to pay amounts that arent justified.
Product: Credit card

To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX
Product: Payday loan, title loan, or personal loan

I ordered a XXXX and was approved for Financing thru Greensky in XXXX XXXX. I was approved for {$36000.00}, however since the XXXX was not going to be delivered until XXXX of XXXX. Only {$6000.00} was charged to the credit line as the deposit for the XXXX. In XXXX of XXXX, when the XXXX was ready to be delivered the remaining balance of {$19000.00} was charged to the credit line. Greensky closed my original account ending in XXXX with the XXXX Statement and opened a new account ending in XXXX starting with the XXXX statement. They did not notify me that I had a new account so I continued making my monthly payments to the old account ending in XXXX for XXXX {$200.00} and XXXX {$350.00}. In XXXX, I started receiving text messages that my payment was overdue. I called them and they explained that my last 2 payments, totaling {$550.00}, had been applied to my old account ( the first time I was hearing about a new account ). I asked if they could transfer the payments to my new account, and they indicated they could not. So, I asked them to refund me the payments and I would then pay the new balance in the new account - at this point, I owed {$330.00} for XXXX and {$330.00} for XXXX. I asked them to notate my account to this conversation. I received the check {$550.00} in XXXX. I electronically deposited the check, and immediately made the payment of {$670.00} towards my new account. I later received a letter from my bank stating that the check was returned for stop payment. I contacted Greensky, and was told that they had put a stop payment because the credit from my old account had been applied to my new account. I again explained the entire scenario and was told another refund check would be sent. About 3 weeks went by and no check, I called again and was told that the check had been issued to give it a few more days and call again if I didn't receive it. I called yet again, and was then told that they had not issued the check because my payments had been applied to my new account. I asked to have a manager call me, no one has returned my calls, I've been told someone is looking into it and I just continue to get the run around. 

I have included my final account statement for account ending in XXXX, the new account statement ending in XXXX and my XXXX bank statement which shows my payment for the outstanding balance plus the returned check fee.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding this fraudulent account. Following this submission, XXXX and XXXX promptly removed this account from their records. 

I have also contacted the companies associated with this account directly, and they have confirmed the removal of the account from their records. Thus, I am perplexed as to why this account continue to be reported by your bureau. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Consumer attempted to investigate an alleged debt via certified mailed notice received XX/XX/2023. Synchrony Bank in turn restricted the consumer account in retaliation possibly as stated in a notice dated XX/XX/2023. That is an adverse action toward the consumer and true creditor pursuant to 15 USC 1691 ( d ) ( 6 ). Synchrony Bank also reported negative and unverified information to consumer reporting agencies. The consumer does not consent to, benefit from, or authorize the actions of Synchrony Bank.
Product: Credit reporting or other personal consumer reports

TransUnion reported that it received information from the bankruptcy court which is not true I received a letter from the bankruptcy court stating it does not report any information to the report agency I mailed a copy of the letter to the reporting agency and they still are reporting inaccurate information which is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

Experian verified as accurate but failed to provide me with any actual evidence of the validation. Experian failed to provide it's procedures for validation and how that information was gathered, after requesting it from them. I sent the dispute letters in XX/XX/year>. Experian claimed to have verified each derrogatory account but could not explain or provide any details other than verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Re : Professional Adjmnt Co acct # XXXX, # XXXX, # XXXX, and # XXXX Dear XXXX XXXX XXXX, I have never received any written correspondence from this company. Professional Adjmt Co reinserted a collection ( s ) to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s )  that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. Failure to comply shall led to legal actions with Professional Adjmnt Co if this debt isn't removed. All the appropriate paperwork was notarized then froward to your company from the following credit bureaus XXXX, XXXX, and XXXX. Lastly, I am not responsible for the outstanding of these debts due to be incarcerated as well. Please take all documentation into consideration and delete these accounts. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX  Account Number : XXXX Amount : {$510.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, my PayPal account is XXXX. I am outlining a series of concerning issues related to a recent transaction facilitated through their platform. The details of this matter are as follows : I had placed an order for XXXX XXXX XXXX  on from a company that was in business called XXXX. I paid the merchant through PayPal for the total amount of {$10000.00} in XXXX XXXX. The product was being advertised as medium-sized. However, upon their arrival 2 months later. I was dismayed to find that the items were significantly smaller than described, indicating a blatant discrepancy between the product and its initially provided description. I immediately contacted the seller and tried to resolve this matter. The seller apparently passed away an no one was able to contact me regarding this order. I was going back and forth with the shipping department for quite some time trying to figure out while the family handled the passing. 

Complicating matters, I made payments for this order in two separate installments. Subsequently, PayPal initiated two distinct claims for this transaction. To my astonishment, one of these claims was approved, while the other was unjustly denied. Even though the return shipping information that I provided shows delivered PayPal only gave me a partial refund. Approving one claim however denied the second claim/installment for the total amount of {$5200.00}. PayPal said the seller had said that I send a empty box however the shipping information I provided clearly shows that there was XXXX in the package I sent. Each item I bought weighted approximately XXXX pounds each. It is crucial to emphasize that the denial of the latter claim appears to be a mistake, as mentioned PayPal said they wouldnt be insuring me in this case leaving with a partial refund. I was only credited {$4200.00} while the other claim regarding the same installment for {$5200.00} was denied. This lead me to file an appeal to rectify this situation.

Regrettably, my appeal was met with further denial, and I firmly believe this decision was made in error or due to an oversight on PayPal 's part. Importantly, I have taken appropriate measures by returning the items to the seller, supported by concrete shipping information confirming their successful receipt by the seller.

I am submitting this complaint with the Consumer Financial Protection Bureau to request a thorough investigation into these matters and to seek appropriate resolution. It is imperative that PayPal addresses these issues promptly and in accordance with consumer protection regulations.

I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring fair practices in the financial sector, and I trust that your intervention will contribute to the resolution of this matter. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX