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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. 

ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Consumer Loan

Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!
Product: Debt collection

Firstly, I am writing to dispute the collection of the sum of {$190.00} by Sunrise Credit Service. Sunrise Credit Service is a third-party collection agency for XXXX XXXX XXXX XXXX XXXX I explained to XXXX XXXX XXXX  that I never activated or even switched on the XXXX I purchased and later returned it within XXXX XXXX XXXX XXXX 7-day return policy. I also called XXXX XXXX XXXX about the XXXX on the phone I returned but was told the phone number was never activated, so I was good. 

Secondly, I am also disputing a charge on my XXXX XXXX debit account related to the same XXXX purchase on XX/XX/year>. I purchased an XXXX in the amount of {$550.00} and paid for it in full. The monthly charge will apply every month at the point of purchase. The phone arrived at my house, and I discovered it was unsuitable for me, so I returned it within four days of delivery. This is within XXXX XXXX XXXX 's 7-day return policy.

I called XXXX XXXX XXXX confirming the return of the phone, and there was no complaint about the refunded XXXX, but I have not received any payment refund for the returned item. When I called XXXXXXXX XXXX XXXX  to inquire about the status of my refund, I was told that the refund was processed to my debit card account with XXXX XXXX 

However, when I checked my XXXX XXXX account history, there was no record or evidence of any refund received from XXXX XXXX XXXX. I have checked my transaction history multiple times, but there is no sign of any deposit matching the amount of my refundXXXX XXXX XXXX  was unable to resolve the issue and confirmed there was no refund to my account. 

Therefore, I believe there XXXX have been a mistake in the refund process or fraudulent activities that occurred during the return process. I request that the Consumer Financial Protection Bureau investigate this issue and seek appropriate action to rectify it.
Product: Money transfer, virtual currency, or money service

Hello my paypal account is XXXX Few months ago I opened a Paypal account. 
as their Term of Services written in their website they have to offer users " buyer 's protection '' which means I have ability to dispute my transaction and get refund in case not receiving item or if item is " not as described ''. 
https XXXX XXXX you can follow this link. 

So I was sure that I was protected as long as using Paypal for online purchases. 
I made 4 transactions to a merchant on Paypal. 
-I received a letter for two of them ( and seller used them as tracking ) but it was letters that I'll receive my item soon and no need to worry and I opened a NOT AS DESCRIBED case -I didn't received anything for the other two transactions so I opened a " NOT RECEIVED case '' ... .. 

so I opened all of them on XX/XX/2021 and seller was supposed to answer until XX/XX/2021. 
But suddenly Paypal closed all of cases in seller 's favor on XX/XX/2021 and SELLER DIDN'T respond at all this is either a mistake for paypal or I think a fraud from paypal in order not to loose money. 

***** I have also seller 's emails to myself that he confessed he scammed me and I'm not gon na receive any item form him ( emails was sent from the email that he used on paypal ) case IDs was XXXX not received XXXX NOT RECEIVED XXXX not as described XXXX not as described
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX # XXXX ] XXXX XXXX CA XXXX XXXX TransUnion Consumer Relations Re : Pre-Arbitration Demand to Correct Inaccurate Information and Identity Theft on Credit Report Dear TransUnion Consumer Relations, I am writing this letter to formally demand correction and resolution of several inaccuracies present on my credit report, as well as to address the issue of identity theft. As provided under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request your immediate attention to these matters. Enclosed are two exhibits supporting my claims, along with a copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. XXXX Accounts : Upon reviewing my credit report, I have identified XXXX accounts that contain inaccurate information. These accounts are as follows : Account XXXX : Creditor : XXXX XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX  Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Inaccuracy : FRAUD ACCOUNT XXXX. Inaccurate Inquiries : Additionally, my credit report shows several inaccurate inquiries that I did not initiate. These inquiries have the potential to negatively impact my creditworthiness and financial standing. The incorrect inquiries are as follows : Inquiry XXXX : Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Identity Theft : According to the enclosed FTC Identity Theft Report, I have reported the occurrence of identity theft and the fraudulent accounts associated with it. The exhibits attached to this letter clearly demonstrate that these accounts are not mine, and I request their immediate removal from my credit report. 
Please be advised that the open dates on the accounts mentioned above are all different, further suggesting inaccuracies in the reported information. 
I hereby request that you promptly conduct a thorough investigation into these matters and correct the inaccuracies on my credit report in accordance with the FCRA. Your failure to act promptly XXXX result in legal action, including arbitration, to protect my rights under the FCRA and other applicable laws. 
Kindly send me a written response within 30 days from the receipt of this letter, detailing the actions taken to correct the inaccuracies and remove the fraudulent accounts. Furthermore, I request that you provide a free updated credit report after the corrections have been made. 
Please direct all communications related to this matter to the address and email provided above. 
Thank you for your attention to this serious matter. I expect your prompt response and resolution. 
Sincerely, XXXX XXXX Enclosures : 1. Exhibit 1 2. Exhibit 2 3. FTC Identity Theft Report
Product: Debt collection

XX/XX/2021 I was informed that I received a collection call at my job from MrXXXX  XXXX w/ cane & wiener. They left their phone number XXXX. I have not once been contacted by them before, and my employer doesnt allow for me to have personal calls at my job. 

I could lose my job thanks to this. I tried calling them multiple times to ask for them to cease calling my employer as I know my rights. However they have not answered any of my phone calls. 

I have no prior information as to what this collection call is about, but its imperative for this harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted Experian, XXXX and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Product: Debt collection

On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. Ispoke with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.
Product: Debt collection

Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a TD bank credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you
Product: Credit reporting or other personal consumer reports

On date of ( XX/XX/year>2024 ) I contacted Trans Union, XXXX, & XXXX about accounts I didn't recognize on my credit report. However the inaccurate accounts are still present on my report. Neither Credit Company responded to my dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My debit card from Wells Fargo got charged 3 times without my approval, the amount was {$700.00} three times which equals to {$2100.00} that has been stolen. The first theft was on XX/XX/20, the second XX/XX/20, and the last one on XX/XX/20, and it's all from the same address ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) 1st ( XXXX ATM ID XXXX CARD XXXX ) 2nd ( XXXX ATM ID XXXX CARD XXXX ) 3rd ( XXXX ATM ID XXXX CARD XXXX ) The theft, according to my bank statement was a ATM withdrawal which somehow was authorized with an ATM access code. I reported this to my bank Wells Fargo as soon as I realized that someone is withdrawing money from me, after weeks of investigation from Wells Fargo on my claim, they decided to deny my claim. This is completely crazy because they didn't even tell me the reason why my claim got denied. I've provided them with all the information that I possibly could but still, they denied me. I've never lost my phone, debit card, OR given out my personal information on the internet bank to anyone. Please please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. Equifax is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
Product: Credit reporting or other personal consumer reports

I want all accounts removed. This is a formal request for the removal of inaccurate, unverifiable, or outdated negative credit accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA : Accuracy of Credit Reporting ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. If an account contains inaccuracies, the credit reporting agency must correct or remove the erroneous information. 
Dispute Process ( 15 U.S.C. 1681i ( a ) ) : If I dispute the accuracy of any item in my credit file, the credit reporting agency must investigate the matter within 30 days. 
During this investigation, the agency must notify the furnisher of the information and verify its accuracy. 
If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or correct it. 
Obsolete Information ( 15 U.S.C. 1681c ( a ) ) : Negative accounts, such as late payments, charge-offs, or collections, must generally be removed from a credit report after XXXX years from the date of the first delinquency. 
XXXX must be removed after XXXX years ( or XXXX years for XXXX XXXX XXXX in certain cases ). 
Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : If a creditor or furnisher can not verify the disputed account, the credit reporting agency must remove the information. 
XXXX Requested : I request that you : Investigate the disputed accounts listed below. 
Provide verification of the accuracy of these accounts or remove them if they can not be verified. 
Remove any accounts that are outdated or no longer meet reporting requirements under 15 U.S.C. 1681c ( a ). 
Accounts in XXXX : [ List the account names, numbers, and any relevant details to help the credit company identify them. ] Failure to comply with the FCRA can result in legal action, including damages for noncompliance, as outlined in 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

Please confirm receipt of this request and provide a written response regarding the results of your investigation within the required XXXX period.
Product: Credit reporting or other personal consumer reports

XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX  ( {$25000.00} ). I need these account removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I receive the correct response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NAME : XXXX XXXX  XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX XXXX XXXX- # XXXX, XXXX- # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I keep on trying to log into my account via the website. Every time I enter my user name and password, I get a page that says " We're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try in a bit. '' I have restarted my password. Cleared my browser, history, cache, etc. I know this all my data was reset, because every other site that I use that requires a user name and password, I had to re-enter. I've been trying this for a few weeks now and want to access my account. Prior to this, I had no problem so I don't know what CapitalOne has done to cause this issue but I need it resolved so I can manage my account and finances. If that's not possible, I'll have to find a different provider where the online system does work.