23daVinci/CFPB_Complaints huggingface dataset:
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 {$280000.00}. 
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 XXXX  XXXX, 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. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.
Product: Debt collection

XXXX XXXX has never provided me with written notice of the debt, including details about the original creditor and the amount owed. To included validation of the debt. I have Request Debt Validation with no respons and requested evidence that I owe the debt and that they have the right to collect it. Will be contacting the general attorney and FTC.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough is enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Attached you will find the date which I am challenging.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding unauthorized transactions on my PayPal business account, which have resulted in financial loss and ongoing disputes with PayPal. I believe I am a victim of online fraud and require immediate assistance in resolving this matter. 

Incident Details : Platform Involved : PayPal ( Payment Service Provider ) Fraudulent Merchant : XXXX Date of Unauthorized Transactions : XX/XX/year> Amount Charged : XXXX x {$54.00}, or a total of {$100.00} PayPal Account Status : Account was inactive since XX/XX/year> after my business closure Nature of Dispute : Unauthorized charges and denied refunds Description of the Incident : I discovered two unauthorized purchases on my PayPal business account in XX/XX/year> ( Paypal XXXX XXXX : XXXX and XXXX. These transactions were made on XXXX, a digital goods marketplace. I did not authorize these purchases, nor did I receive any products or services related to them. I had closed my business and ceased using this PayPal account in XX/XX/year>, making it clear that these transactions were fraudulent. 

Upon discovering the unauthorized charges, I promptly filed multiple disputes with PayPal, expecting them to recognize the fraud. However, despite providing evidence that I had not authorized these transactions and had not received any products, PayPal repeatedly denied my claims. Their reasoning was that the transactions were " authorized '' and that I had " received '' the products, yet they failed to provide any substantial proof to support their claims. 

Concerns : Unauthorized Charges : These purchases were not made by me, and my PayPal account was inactive for months prior to these transactions. 

Failure of PayPal to Protect Consumers : PayPal has refused to reverse the charges despite clear evidence of fraud, forcing me to accept financial liability for unauthorized transactions. 

Potential Cybercrime & Identity Theft : My inactive PayPal account was compromised, suggesting a security breach or unauthorized access to my financial information. 

Lack of Transparency : PayPal has not provided any verifiable proof that I authorized these transactions or received any goods. 

Unfair Business Practices : PayPals refusal to acknowledge the fraudulent nature of these transactions raises concerns about their consumer protection policies. 

Requested Actions : I urge IC3 to investigate this fraudulent activity and PayPals mishandling of my dispute. Specifically, I request : A thorough investigation into how my inactive PayPal account was used for unauthorized purchases. 

An inquiry into PayPals dispute resolution process and their failure to provide sufficient proof of authorization. 

Assistance in recovering the funds that were fraudulently charged. 

I am willing to provide any additional documentation or evidence required to support this complaint. Please advise me on the next steps I should take to ensure that this matter is properly investigated and resolved. 

Thank you for your time and assistance. I appreciate your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am submitting this complaint without any influence from a third party or Agency. Please see attached Documents and ID as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on  XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
Product: Credit reporting or other personal consumer reports

Company was asked to validate debt. Knowing this would be impossible due to the fact that debt was opened while I was XXXX XXXX XXXX. Debt was fraudulently opened by parent yet company refused to look into debt even when provided with information. Attached is debt and day it was opened as well as XXXX  showing I was still a XXXX in XXXX jobless. With no way of opening a credit card of any form
Product: Debt collection

This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.
Product: Debt collection

I received a letter from Synchrony Bank on XX/XX/22, stating that a cease and desist was notated on my account, upon my request. However, the phone calls are still coming from the bank. The individual name is XXXX XXXX, XXXX. 

The promise made by XXXX XXXX, Senior Specialist on XX/XX/22 isn't being honored. 
The letter also stated that my solution to charge off the account couldn't be honored. However, there was no explanation given to cfpb. And I would like to know why? 

An Alternative solution is a settlement for partial of the due balance. I explained that I do not have unemployment benefits. This would be an ideal solution. Considering the circumstances of financial difficulty.. 

I would like the Specialist in a letter to the cfpb specify why they denied a charge off. And consider a settlement under my special circumstance. XXXX claim to be compassionate and understanding towards the needs of the customer and has plans to assist. But do not qualify for any of them as discussed with an agent. 

So, XXXX assessment is inaccurate and a settlement would suffice during this current moment of crisis. There's no way that I can keep up with the mounting late fees and interest while under financial hardship. 

If a settlement offer is rejected. I would like an explanation letter to CFPB as to the outcome of Synchrony decision.
Product: Credit reporting or other personal consumer reports

I haven't seen any positive changes in my credit reports recently. Once again, I find myself a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than four business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 
EXPERIAN : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX {$6500.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the first response to show the dispute letters I sent to dispute the accounts. This is the letter I sent next asking them to respond before I submit that document here!
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - Account NumberXXXXXXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX  - Account NumberXXXXXXXX XXXX XXXX XXXX  - Account NumberXXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX XXXX  Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called synchrony bank to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of XXXX  when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.
Product: Vehicle loan or lease

Predatory loan, not reflective of my salary, job title, and credit. 
Collusion with dealer to reduce bargaining power, including paying interest and points on loan, requiring bad supplemental products as mandatory. 

Mandatory bad warranty. No record of warranty, no contract info, despite repeated attempts to obtain. 
Extra large cost totaling over 25 % of the price of the car. XXXX car ( XXXX warranty ) No repair reimbursement. Never was able to use warranty despite numerous repairs. I have had to pay over $ 2000.00out of pocket, with NO reimbursement or ability to submit a claim. Paid over 2000 in the first 12 months of ownership. 

Called finance company immediately and told not to fund the loan, that the dealership had misreprensented themselves in the transaction numerous times, and the car would be returned asap. It was funded anyway. After making several calls to the finance company and dealer to rectify, to no avail. 

Sent all of my paperwork late. So by the time I received it I was behind one payment. So despite paying the loan every month, the loan reflects perpetually late, and I get a fee each month, even though I pay at least the minimum, usually over the minimum payment each month. I have incurred hundreds, if not thousands of dollars in late fees. 
Several months ago, despite paying the loan monthly, XX/XX/2018, my  payment was refused, forcing my loan into default! 
I have paid on this loan for over 18 months ( it is a 3 year loan ), and I owe more now than the initial loan amount. 
I would have great credit if not for this loan. I have excellent payment history with every other creditor before and after inception of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw this personal loan on it, which I have no knowledge of.
Product: Credit reporting or other personal consumer reports

My account with (, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX - XXXX  DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new collection account ( see attached ) that popped up when my mortgage lender was finalizing documents for my home purchase. My father and I share the same name ( Jr/Sr ). Both of us have spent countless hours on the phone with both IC Systems and XXXX XXXX XXXX attempting to get this resolved. Both places just point the finger at the other. This is NOT my debt. It is possibly my father 's, but IC Systems has been unable or unwilling to provide documentation of what this account is linked to. 
I have disputed this with XXXX and all 3 credit bureaus. I have filed complaints with both XXXX  and the Department of Justice. 
I do not have 30 days to wait for this dispute to get resolved via the normal pathway. In May, I started the process of having a home constructed. That home is now done and it is supposed to close in 10 days. This collection account has TANKED my credit score and I am no longer eligible for the mortgage loan. We are talking tens of THOUSANDS of dollars of loss because of a fraudulent/erroneous account. 
IC Systems is aware this is not my debt, but refuses to remove the collection or actually attribute it to the correct person.
Product: Credit reporting or other personal consumer reports

I've been trying to contact the XXXX XXXX XXXX XXXX XXXX, Experian and XXXX ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

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
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I arranged to transfer {$5000.00} to a vendor in XXXX. The number transfer is # XXXX. Payment was to be made in XXXX XXXX. I received a confirmation from Transferwise that the transaction went through. However, to this day the money has not arrived in the XXXX bank, nor was I refunded for the transfer by Transferwise. 

There was an error in the account number I originally provided ( where the funds were to be transferred to ), which I was advised would usually cause the receiving bank in XXXX to return the fund. 

TW has provided me with a copy of the payment confirmation issued by their correspondent XXXX showing the transfer was completed on XX/XX/2020 to XXXX  XXXX in XXXX. XXXX XXXX advised me directly that no such transfer was received by them. My vendor showed my transcripts of their bank statement for the period around XX/XX/2020 showing no incoming payment. 

I can not get anyone to talk to me. I have had maybe 20 email exchanges with XXXX and the answer is " we are working on it ''. 

It is now 7 weeks and I am asking for your help. 

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

I had originally sent out that I was still enrolled in school before my 90 days were up until a former student must start making payments. XXXX XXXX failed to provide me with the correct documents and fix on their system I was in school. ED Financial I let them know and called numerous times to be seek the update. 


Under the FCRA, a hard inquiry should only be made with your consent. If a company or individual checks your credit report without your knowledge or permission, this could be considered a violation of your rights. 
If the check was conducted as part of a student loan restructuring, adjustment, or a similar program initiated without proper notification or consent, it may not comply with the legal requirements for credit checks. 
Failure to Follow Regulations on Credit Reporting Inaccurate Reporting : If your student loan servicer or lender did not accurately report information to credit bureaus, resulting in an unjustified drop in your credit score, this could also constitute a violation. Under the FCRA, data furnished to credit reporting agencies must be accurate and complete. Any mistakes in reporting could lead to a credit score reduction without valid cause.

Unjustified Negative Impact on Credit Score Violation of Fair Treatment Laws : If a student 's loan is being checked in connection with a program or service ( such as those involving XXXX XXXX companies like XXXX or XXXX ) and results in a substantial drop in their credit score without any legitimate reason or clear connection, that might be considered unfair treatment under consumer protection laws. 
If a loan check was done improperly and led to an unjust drop in the credit score, it could be viewed as a violation of laws protecting consumers from undue financial harm. 
Discrimination or Unfair Practices Equal Credit Opportunity Act ( ECOA ) : If the checks or changes to student loans caused credit score drops disproportionately to certain groups ( based on race, gender, or other protected characteristics ), it could be seen as a violation of the ECOA, which prohibits discrimination in lending. Failure to Notify and Disclose Impact Violation of Transparency Laws : If a company failed to notify you of the potential impact that a check could have on your credit score, it could be considered a violation of transparency and consumer rights laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that the reporting agencies XXXX XXXX and Equifax or in violation of my consumer rights according to 15 u.s.c. 1681 d