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

On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
Product: Money transfer, virtual currency, or money service

Name : XXXX XXXX XXXX : XXXX *Case ID : XXXX Total Amount : {$1800.00} I contacted PayPal after my account was compromised and funds were stolen ( detailed explanation in the claim notes ). PayPal decided the transactions were unauthorized and the case has been accepted and decided in my favor, however, there is no reversal of the money back to my PayPal balance. 


Update : I contacted PayPal via secure inbox multiple times about not receiving my refund. Each time I was told I was fully refunded which I was not! I responded a bit more stern and was limited shortly after. 

Then I was told that I was not refunded yet because my account was limited and after it it resolved I would be refunded ( which is very weird ). 

I woke up only to find my Paypal account now Permanently limited and a notice saying " you can not use PayPal anymore ''. I have pics of this travesty of a support/dispute team! 

It seems as though PayPal permanently limited my account in order to not reimbursed me. 


I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' Note : They blocked me from messaging via phone, but I was able to send messages via my gaming Console 's browser.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability claim ( Claim Number : [ Claim Number ] ) that has been filed against me for alleged negligence, under Section XXXX. After reviewing the details of the claim, I believe the allegations are unfounded, and I would like to bring to your attention that the claim does not comply with the requirements outlined under the relevant provisions of civil liability law, specifically Section XXXX. 
Lack of Evidence of Negligence : I have thoroughly reviewed the circumstances surrounding the alleged incident. Based on the facts and the evidence available, there is no basis to conclude that I acted negligently. [ Provide brief details of your side of the incident and why you believe negligence did not occur. ] Non-Compliance with Section XXXX : As stipulated in Section XXXX, the claimant must demonstrate clear and convincing evidence of negligence in order to establish civil liability. I respectfully contend that the necessary procedural requirements were not met, nor was there adequate proof presented to support the claim of negligence. 

Failure to Meet Legal Requirements : In accordance with Section XXXX, there are specific legal obligations to demonstrate how the alleged actions were negligent and directly resulted in harm or damages. I maintain that these legal elements have not been sufficiently addressed or proven in this case. 

Request for Detailed Information : In the spirit of transparency and to facilitate a fair resolution, I respectfully request that you provide a comprehensive breakdown of how the claim aligns with Section XXXX, including any supporting documentation or evidence that clearly demonstrates my alleged negligence. 

Given these points, I respectfully request that the claim be reviewed and reconsidered based on the above-mentioned non-compliance and the lack of sufficient evidence. 

I would appreciate a response within [ reasonable time frame, e.g., 14 days ] to discuss the next steps and to resolve this matter efficiently. 

Thank you for your attention to this dispute. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/202XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!
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 {$1200.00}. 
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/XXXXenclosed 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.

-- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Checking or savings account

Over the past several months I have had to continuously call Wells Fargo and get their permission to use my card and/o my account. Until today they have always complied but now they are saying there is nothing wrong with my account or card and it is the merchant 's fault. I do not believe XXXX merchants would have the exact same problem and give the exact same error that states I need to call Wells Fargo. They are refusing to do anything about it or open an investigation into why I can not use my account/card stating it is a security measure and they can not give out that information nor get me in contact with their security team.
Product: Debt collection

Hello, I purchased XXXX phones from XXXX : I was originally with XXXX Bought XXXX new phones and switched to XXXX and ported my numbers Returned the phones to XXXX because the service was not good in our area - returned within the 2 week time period. 
Bought XXXX new phones with XXXX, had number ported back In XX/XX/XXXX I received a collections notice from XXXX in the amount of {$1300.00}. I called XXXX and spoke with a rep ( got bounced around quite a bit ). Finally got to someone in collections. I explained the situation to them. He did see in his system that the devices were returned and numbers ported out. He gave me a case number and said the resolution date would be XX/XX/XXXX. 

On XX/XX/XXXX I received a collections notice from a different collections company regarding the same amount as above. Called XXXX back today XX/XX/XXXX and they said I have to go back to XXXX and have them make a note in their system that the devices were returned and ported back. The XXXX rep said there was no notes in their system showing my prior conversation with customer service. I asked to speak to a supervisor and they had me on hold for 35 minutes - the phone mysteriously hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX FinanceXX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Bank XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Mortgage ReportersXX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage ReportersXX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Auto Reseller XX/XX/XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX BankXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX  Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Product: Student loan

I have tried to make my payment twice with Nelnet.com. First on and XX/XX/XXXX and then on XX/XX/XXXX. After days of processing the payment was returned to my account both times. My account appears past due and shows a penalty for it. I have been on hold for hours 3 separate times unable to get any help from customer service. I have also tried emailing twice with no response.
Product: Debt collection

I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX  No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with recent CFPB fundings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous complaints to Transunion regarding the validation of these accounts and received no reply. Transunion has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Transunion has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.
Product: Credit reporting or other personal consumer reports

XXXX has had dozens of opportunities to properly update the inaccurate information on my report. I have an extensive history with disputing their inaccurate reporting. Im no longer requesting an investigation into inaccurate information. I have attached my XXXX credit report and have highlighted all inaccurate information found upon my review. Please see attachments.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX
Product: Debt collection

My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. 

Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. 

I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. 

To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. 

This debt has been paid in full.
Product: Credit reporting or other personal consumer reports

Subject : Unlawful Credit Reporting and Request for Resolution Citing Ohio FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am reaching out to address a serious matter involving the unauthorized reporting of information to my credit report, a clear violation as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I am invoking the relevant Ohio FCRA identity theft fraud laws to emphasize the gravity of this situation. 

It has come to my attention that CAPITAL ONE has engaged in unauthorized credit reporting without obtaining my explicit consent, a direct contravention of federal law outlined in the FCRA, which explicitly mandates consumer consent under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Ohio state law, particularly the Ohio FCRA identity theft fraud laws, reinforces the importance of consumer consent for credit reporting. This includes the protection against identity theft and fraudulent access to personal information, ensuring compliance with Ohio 's legal framework. 

I assert firmly that I have not granted consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially causing harm to my creditworthiness, and demonstrates a disregard for federal and state laws. 

I demand, unequivocally, that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is essential to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and trust that CAPITAL ONE will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite multiple requests for correction, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Additionally XXXX and XXXX reflect that all payments on this account were made on time, with no late payments reported. However, Experian continues to indicate that there were late payments on this account. This inconsistency is adversely affecting my credit standing, as Experian is the only bureau reporting a negative payment history on this account. 
I am entitled to have inaccurate information removed from my credit report. Given that both XXXX and XXXX have confirmed that my payments were made on time, I request that Experian align my report to accurately reflect my positive payment history. Please investigate this matter and update my report to remove the erroneous late payment status. 

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 


I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Checking or savings account

I disputed unlawful transactions, I submitted them to. I explained everything in detail what happened. I was denied for no reason whatsoever. No explanation or anything.