23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was scammed into purchasing a XXXX for {$160.00}, plus a {$28.00} shipping fee, totaling {$180.00}. After making the payment, I received a text message from a random number impersonating PayPal, claiming that the initial payment didnt go through and that I needed to resend the money. Believing this message was legitimate, I authorized a second payment. 

When I realized I had been scammed, I contacted PayPal to dispute the charges. Unfortunately, my dispute was denied because the transactions were processed through the Friends and Family option, which is not covered by Buyer Protection. 

I later disputed the {$160.00} and {$28.00} transactions with my bank, XXXX XXXX XXXX XXXX and they issued me a refund for that amount. However, an additional {$28.00} charge remains unresolved on PayPals side. PayPal is now seeking a total of {$210.00} from me, which includes this unexplained charge.
Product: Credit reporting or other personal consumer reports

I would like to express my continued frustration and concern regarding the presence of fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts to rectify this situation, the fraudulent items persist, posing a significant threat to my financial integrity and security. 

Despite my initial efforts, the fraudulent items remain on my credit report, posing a constant threat to my financial well-being. Consequently, I am compelled to submit a second dispute in the hopes of finally resolving this issue and protecting my financial integrity. 

I have attached copies of all relevant documentation, including previous dispute submissions and supporting evidence, to expedite the resolution process. I urge your agency to prioritize the investigation and removal of these fraudulent items to prevent further harm to my creditworthiness and financial standing. 

Additionally, I request transparent communication and regular updates on the progress of the investigation into this matter. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I traded in my Nissan Truck lease XX/XX/XXXX to XXXX XXXX XXXX XXXX, UT XXXX XXXX paid the lease off XX/XX/XXXX Nissan claims to have received check XX/XX/XXXX I contacted Nissan XX/XX/XXXX about the pay off they said they have the check but are holding it. I reached out to XXXX XXXX who then called Nissan 3x and sent them over what was needed repeatedly. 
XX/XX/XXXX XXXX XXXX reaches out to them again they still want the same paperwork that was already sent to them XX/XX/XXXX account is still open Nissan will not respond to me or close my account even though they have the money in their possession to pay the lease off and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
Product: Student loan

I had two loans that defaulted with Navient. Wen I called and asked them about the defaulted oans after they claim they had no defaults the girl said I had to write in for the info. I wrote a letter requesting the information about the dates. XXXX XXXX sent me a letter and stated they would not make a comment on this and that I had no loans defaulted through Navient, but thats not true. I had two loans they sent into default and are now collecting on them. I need the dates they sent the two loans into default. They will not respond to m, y request. I have called XXXX XXXX  with Navient several times but the person will not return my call. Since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.  You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX ( no acct # per XXXX XXXX ) unverified account/no contract
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XX/XX/XXXXXXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I filed the following complaint twice with Kohl 's and received the same boiler plate refusal to take action. 

I have had an active Kohl 's account in good standing since 2000. 
I have never been late. 
I make infrequent purchases. 
I pay with the Kohl 's auto pay feature. 
Kohl 's cancelled my auto pay feature, but not my account. 
My payment was not automatically made because of Kohl 's action Kohl 's reported me as non-compliant. 
Kohl 's action caused my credit score to be negatively impacted. 
Kohl 's refuses to accept responsibility for their error that hurt my credit score. 

My account is now current. 

XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the inclusion of certain accounts on my credit report, which I believe to be inaccurately reported. The accounts in question belong to CKS Prime Investment, XXXX XXXX XXXX XXXX and XXXX, and despite my repeated attempts to resolve this matter with XXXX, the accounts remain on my credit report without any validation or proof of ownership. I disputed these accounts XX/XX/XXXX the closed them but will not remove from my credit report. 

The first account I wish to address is with CKS Prime Investment. According to my credit report, there are two accounts associated with CKS Prime Investment. The first account was opened on XX/XX/XXXX, with an alleged amount of {$770.00}. The second account was opened on XX/XX/XXXX, with an alleged amount of {$500.00} and XXXX XXXX XXXX XXXX with an alleged amount of XXXX. However, I have no record or recollection of opening these accounts with CKS Prime Investment. Despite my requests, XXXX or XXXX has failed to provide any evidence or documentation validating the existence of these accounts in my name. 

Furthermore, there is an additional account attributed to XXXX on my credit report and indicating an amount of {$420.00}, allegedly opened on XX/XX/XXXX, also company XXXX XXXX XXXX XXXX for the alleged amount of XXXX. Once again, I have no knowledge of opening such an account with XXXX XXXX XXXX XXXX XXXX XXXX nor have I received any correspondence or documentation regarding this matter. 

I have diligently sought resolution by contacting XXXX multiple times to provide proof of ownership for these accounts, yet they have failed to comply with my requests. It is deeply concerning that such accounts continue to negatively impact my credit score without proper verification. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request your assistance in investigating these disputed accounts and facilitating their removal from my credit report if they can not be validated with proper documentation. 

Enclosed with this letter are copies of my credit report highlighting the disputed accounts for your reference. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please feel free to contact me at XXXX or via email at XXXX should you require any further information or clarification. 

Thank you for your cooperation and assistance. 
XXXX XXXX XXXX
Product: Checking or savings account

I recently opened a Premier High Yield Savings Account with CIT Bank. I received an email on XX/XX/XXXX that account had been funded. I received my first statement with CIT Bank and the total amount of funds sent to open account was short by $ XXXX. I tried logging in to my account ( I had logged in previously, shortly after account was funded ) and I believe the correct amount was shown in account. When I went to log in today, XX/XX/XXXX, I received message to call customer service. I did so. Customer Service told me I could not access my account and that a " specialist '' would be calling me in 3-5 days. I asked to speak to supervisor and she said same. They would  not give me any information on why a specialist needed to speak with me. It is very upsetting to me that I have to wait 3-5 days to find out what is happening with my monies, not to mention that if I needed the money quickly, I can not have access.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the XXXX account ( Account Number : XXXX ) on my credit report, which contains multiple inaccuracies and reflects poor reinvestigation practices by the credit reporting agency , violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies and Violations : Repetitive Charge-Off Reporting : The account has been reported as charged off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, effectively re-aging the charge-off status, which is not allowed under 15 U.S.C. 1681c ( a ) ( 4 ). This practice extends the negative impact of the charge-off on my credit report beyond the permissible seven-year period from the date of first delinquency. 

Incorrect Balance Updates : Despite the account being charged off in XX/XX/XXXX, the balance was updated as recently as XX/XX/XXXX, suggesting ongoing changes to a static account, which contravenes 15 U.S.C. 1681c ( c ) ( 1 ). This update misleadingly indicates activity or re-aging of the debt. 

Failure to Provide Reinvestigation Process : Upon my dispute, I requested details of the reinvestigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ). The credit reporting agency failed to provide a comprehensive explanation or reinvestigation results, violating my rights under the FCRA. 
Due to these repeated violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices to ensure compliance with federal laws. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I made a purchase on my Wells Fargo credit card on on XX/XX/2022 for {$3200.00} to a merchant called XXXX XXXX design. I ordered tee shirts to be designed. They were supposed to be ready for pick up in 2 weeks, by XX/XX/2022. The merchant kept giving me the run around and by XX/XX/2022 the shirts were still not ready. I initiated a dispute with Wells Fargo on that date. I submitted my statement, correspondences with the merchant and pictures of the closed business. I was told that the merchant would be given 15 days to respond. The merchant did not respond. After the 15 days, I reached out to Wells Fargo again and was told that the merchant would be given another 30 days to respond. The merchant did not respond. I have made repeated calls to Wells Fargo bank to follow up on my dispute. It had now been 2 months, over 60 days since I have disputed the charge. I called today, XX/XX/2022 and spoke with a supervisor, XXXX. She said that Wells Fargo has been backed up and my formal claim had not ever been submitted. She said that would be done today and I my claim would start today. I am expected to wait another 30 days. That would mean this dispute would have taken 90 days to be resolved. That is unreasonable and unacceptable. I am requesting a permanent credit of the dispute charge to my credit card account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX  XXXX XXXX/2022 XXXX-XXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX  XXXX  XXXX/2022 XXXX  XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX 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 or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued by Midland Management. I paid their lawyers and now Midland Management has yet to update the status of my account with them. They used the law firm XXXX XXXX XXXX. I paid them on XX/XX/XXXX and it is still on my account. I have documentation showing I paid the law firm. I called law firm and they said for me to contact midland management at XXXX. 

thank you,
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in 2020. I was a long time card holder with American Express XXXX credit card. When my entire wallet was stolen from me with all of my personal information inside, including my American Express card and several other credit cards. All maxed out! I called American Express as I did with all of my other credit/bank cards. They were the only one to refuse to protect me from the fraud that occurred on my American Express account. Deeming they were my charges and charging them off as bad debt on my credit. Ive called in several times and have tried to dispute it with American Express and my credit report and American Express refuses to do anything about this, 4 years later and I am STILL dealing with this mess, thanks to American Express not having any kind of fraud protection or fraud preventive services and refuse to help a fraud victim!
Product: Debt collection

1. Two employees at SunTrust bank said that my mother did not have an account with them in XXXX XXXX of XXXX. 
2. We did not receive any late notices until XXXX of XXXX we received a notice of right to cure default {$6600.00} due on the XXXX. 
3. We called SubTrust and spoke to employee XXXX, then XXXX I asked if we could have paperwork on the account and was told there wasnt any paperwork it was their mistake and we would never hear from them again, Monday XX/XX/XXXX. 
4. On XX/XX/XXXX we recieived a letter from a debt collector attorney representing SunTrust a XXXX XXXX, I told him I wanted to see paperwork was that too much to ask he said no I asked if he could send it to me he said no not if I wasnt going to do anything he wasnt going to waste his time, I said ok I will and then it came in a summons on XX/XX/XXXX and there was a promissory note that I had not seen before. 
5. I filed a complaint with the attorney general office and a representative from SubTrust called me XX/XX/XXXX, she said we would hear from them in 15 days or less, I have called their team to find out if they have any paperwork on the account and they are still working on it, we just need some answers to save our home
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particular in light of the recent FFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.