23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I attempted to cash my payroll check through Chime XXXX XXXX. The company apparently has no ability to view prior chats with different agents. XXXX # XXXX, XXXX assured me my check would be cleared within the day at XXXX. Email at XXXX XXXX  Says check rejected. XXXX # XXXX, XXXX, at XXXX XXXX claims my XXXX XXXX feature is turned off and that I need to go to a check cashing place and then deposit the cash into my account by paying a fee. Cue phonecall # XXXX. XXXX XXXX on the phone claims that they need my paystub to " verify my income '' and I send that over and he claims it may take over 2 days to respond to my email so I escalate the call to a supervisor " XXXX '' who then claims that the prior agent was wrong and they didn't need anything they just won't cash my check for me, they " reserve the right '' to not accept it. 

I sent over all my personal information on a paystub for them to " verify '' how do I know my identify is even safe now if different agents can just pick at will what they're able to request from me even.
Product: Credit reporting

. I have tried to have the following item investigated by Experian. However, Experian, is NOT conducting a proper investigation. They keep reporting item belongs to me. XXXX CREDIT CARDAccount Ending : XXXX have received a letter which is attached from XXXX Bank which clearly states this was NOT my account. However, Experian refuses to conduct a proper investigation. 
Account nameXXXX/XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX identification XXXX XXXX .... 

Recent balance {$0.00} as of XX/XX/XXXXStatusClosed. {$240.00} written off. 

Date openedXXXX/XXXXDetailsNot mine or No knowledge of accountYou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX XXXX XXXX Balance : {$890.00}
Product: Checking or savings account

I made a card purchase on XXXX for {$170.00}, after making the purchase, I requested a cancellation as soon as I could, I was told by XXXX through email as well as through the app that I could cancel the purchase as I requested. The purchase was canceled and I received an email with a receipt from XXXX being XXXX out regarding the purchase, showing my card was no longer charged. I have not received my refund from XXXX at all and can not get in contact with customer service to see what is going on with my refund. I have contacted Cash App to dispute the charge due to it being completed and me not receiving my funds back at the moment. Cash App has screenshots as well regarding the cancellation.
Product: Credit card or prepaid card

Keybank won't refund a purchase In Arkansas that I didn't permit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$990.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$310.00} ; PXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX .... Balance : {$760.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4200.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$980.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I Experian put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing Experian. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect public record that was being reported on my credit report as well as a charged off account that was showing an incorrect balance as well as status. A company XXXX XXXX. 

The company responded that both items were verified but did not provide me with how they were verified and by whom with is something that I am entitled to by the FCRA. 

I contacted Experian directly my phone to ask how was this public record verified and was simply told that it was. I asked for name and phone number of the person or agency who verified the information in question and was denied which is a violation of my rights. The FCRA states that items on reports must be verified as entirely and 100 % accurate or they must be deleted. 

In addition, I have also not received any documents from the Experian or XXXX XXXX validating the accuracy of the reporting of the account in question of proof that of ownership of this particular account which is still being reported on my credit report in violation of the FCRA. 

I intend to fully seek legal action against Experian for violating my rights as well as causing serious damage to my credit rating.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX. On XXXX and XXXX, I wrote to TransUnion advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Product: Debt collection

The original debt was with BBVA Compass Bank which is now owned by PNC Bank. PNC is attempting to collect a debt which they are alleging I owe in amount of {$1500.00}. This is the first time Ive heard of any of this. Insurance and XXXX coverage paid the vehicle off in XXXX. Furthermore there was also a lawsuit filed in the United Stated District Court for the District of Arizona XXXX XXXX XXXX. : XXXX regarding a cease and desist when the account was active to stop calling and texting. When the representative XXXX XXXX called and texted on XX/XX/XXXX I spoke with and advised of the previous payoff and settlement with Compass Bank and sent copy of settlement agreement. Spoke with XXXX again yesterday XX/XX/XXXX and he advised he will need to send the information to his supervisors for review and will call back. XXXX was extremely professional and respectful following all protocol and laws. Today XX/XX/XXXX I received a call from XXXX XXXX and she was not only harassing but threatening to put a lien on my house ( even though I dont own a home ), garnish my wages ( I am unemployed ), and garnish my bank account. I told her she would need a judgment and she said they do not. Furthermore the last payment made in this account was XXXX of XXXX which is older than the statute of limitations of 4 years for an auto loan debt. She advised that doesnt matter and they will continue to call and text until this debt is paid. Screenshot for texting to stop is attached. XXXX is very wrong. I asked PNC to cease and desist and she stated that is not an option. I said under the FDCPA it is required they stop contracting me if I have asked them to stop calling. She then was very rude and said she will not take advice from someone who doesnt pay their bills. Very unprofessional. Ive advised PNC of the dispute in writing and Arizona ( where the loan contract originated ) Statute of Limitations of 4 years. Furthermore this is the first time Ive heard from Compass Bank or anyone regarding this account since XX/XX/XXXX. They continue to harass and it has gotten to the point that it is causing loss of enjoyment of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my consumer credit report dated XX/XX/2019 from American Express. American Express did not have permission to obtain information from my personal consumer credit report. 

Originally, American Express denied accessing my consumer credit report. After providing a copy of my XXXX consumer credit report reflecting the American Express hard inquiry, their position changed. American Express claimed I had consented to them pulling my personal consumer credit report. 

American Express has provided conflicting information. I am requesting documentary evidence regarding this hard inquiry.
Product: Credit card

On XX/XX/year>, I received a text message from Capital One stating, " Thanks for giving Capital One your mobile number. '' On XX/XX/year>, I received a text stating my Capital One venture credit card had shipped. On XX/XX/XXXX, I received the credit card in the mail, which I had never applied for. I then contacted Capital One customer service and they filed a fraud report. The representative gave me the appropriate steps to take when your identity is stolen.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Additionally, I have been incarcerated for the past 6 years 8 months and 17 days to be exact and released on XX/XX/XXXX. So I am perplexed to see this account on my credit report. I ask that you kindly remove this inaccurate account from my credit profile so that it can accurately be reported. 

XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX BALANCE {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my XXXX XXXX account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my Experian credit report which shows the error.
Product: Checking or savings account

My name is XXXX XXXX. 

I am a PayPal user.

I have an account with PayPal with amount {$10000.00} which PayPal froze from me and promised to give it back to me within 180 days. 

At exactly 180 days, I got email that my password, security questions and phones numbers have been changed and authenticator being added to my PayPal account.

I tried to log into my PayPal account but I couldn't and I called PayPal but no one responded as they used covid as an excuse. 

I also got email that a card ending in XXXX has been added to my PayPal account.

The hacker withdrew my funds to this Prepaid card which isn't owned by me. 


On XXXX I spoke with PayPal customer service for the first time and reported the incident including the withdrawal and changes made to my PayPal account and the card which isn't owned by me in which the funds were withdrawn to. The PayPal customer Service opened a case for me with case ID : XXXX and the PayPal customer agent assured me that if Unauthorized use is found during the investigation, PayPal would refund me the full {$10000.00} and said I should keep checking my email for update.

Few days later I got an email that PayPal found Unauthorized Account Access and said case has been protected by PayPal.

I waited for the refund which PayPal promised but I didn't see up till now.

So I called PayPal agent again and a different person picked and said yes Unauthorized use was found and said the first agent I spoke with forgot to include the reported transactions the first case which I won which PayPal said they noticed Unauthorized Account Access. 

The second PayPal agent said she will now open a new case with the mentioned transactions in a new case ID : XXXX. 

After few days PayPal said no unauthorized access was found and refused to refund me my funds which were taken away by the hacker.

Evidences are there in the first case of all the changes made to my PayPal account and how my funds was removed.

I want PayPal to use the first case ID : XXXX which they found Unauthorized Account Access and judge the case to include the reported transactions in the second case ID : XXXX so my funds can be refunded to me as I won the first case
Product: Credit reporting or other personal consumer reports

After thoroughly checking my credit reports, I spotted inaccurate Public Information that need reporting and correction through your company.

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of my student loans on my credit report, as I believe they were affected by a significant data breach involving XXXX XXXX and his companies. This breach, coupled with violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ), has led to the improper disclosure of sensitive personal and financial information related to my student loans. 

Specifically, I assert the following : Data Breach Involving XXXXXXXX XXXX Companies : It is my understanding that a data breach related to XXXX XXXX and associated companies resulted in the unauthorized access and disclosure of personally identifiable information ( PII ), including data tied to my student loans. This breach XXXX have compromised the security of my financial and educational records, including information that should have been protected. 

Violation of FERPA Rights : Under FERPA, I am entitled to privacy protections regarding my educational and financial information. This law restricts the unauthorized release of personally identifiable information by educational institutions without my consent. Due to the breach and the unauthorized release of my student loan information, I believe that my FERPA rights have been violated, and as a result, I request that my student loans be removed from my credit report. 

Request for Removal : In light of the data breach and FERPA violations, I respectfully request that my student loans be removed from my credit report. The inclusion of this loan information under these circumstances is not only a violation of my privacy rights but also may harm my credit score unjustly. 

I kindly ask that this matter be investigated thoroughly, and I request confirmation that the necessary steps will be taken to ensure the removal of ALL disputed student loan entries from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will handle this dispute in accordance with my rights under applicable laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX