23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my PayPal account to my XXXXXXXX XXXX  checking account, upon checking my bank account the funds never appeared! I contacted XXXX XXXX immediately and I learned that this particular account had been closed due to inactivity as I was unaware and XXXXXXXX XXXX never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to PayPal I waited for about 72 hours before contacting PayPal as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with PayPal money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and PayPal got back with me and according to their investigation XXXX XXXX had received funds, I contacted XXXX once again made them aware of what PayPal had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and PayPal so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as PayPal had not received funds back and PayPal told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with XXXX  and PayPal and still had zero answers as to where money was!
Product: Checking or savings account

Funds sent/deposited to the account : XX/XX/year> Amount : {$1100.00} USD Date Account Closed : XX/XX/year>. 

All access to the account were denied and identifying account access number XXXX XXXX XXXX XXXX were removed from account holder as well as sender 's history, disabling sender 's ability to track its status with support department and preventing account holder to either retrieve the funds nor return the funds to the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurately on my consumer reports. I have disputed this account a lot of times and the consumer reporting agencies are still reporting wrong. The high credit is wrong. Each consumer reporting agency is reporting something different. Transunion is reporting {$9600.00}, XXXX {$9600.00} and XXXX is reporting {$10000.00}. The date last reported is super old so it seems like the consumer reporting agencies never investigated the accuracy of this account. The date last active is also wrong. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous inaccuracies continuing to be reported on my consumer reports. 
XXXX is reporting with Transunion. It is reporting inaccuratelyly. The date last active is wrong. This company has ignored my request for validation so I dont know how Transunion XXXX able to verify this account accurateness when the collection agency will not provide any proof. I am demanding this account be deleted from my consumer reports. 
XXXX is reporting on Transunion, XXXX and XXXX inaccurately. First thing is XXXX is reporting that this account is 120 days late and with payment history. A collection account can not have any payment history whatsoever. XXXX needs to delete this account asap for this. Transunion is reporting a date last active of XX/XX/XXXX. There was never any activity on this account in XX/XX/XXXX so it looks like this account has been reaged and this is illegal. Transunion needs to delete this account asap. XXXX has not conducted any real investigations to make sure the reporting this account is 100 % accurate and I am demanding this account be deleted from my consumer reports. 
XXXX XXXX is reporting with Transunion and this account was never investigated and Transunion has not done anything to ensure this account is reporting 100 % correctly. 
Now, XXXX is not a reliable source to verify or validate the accuracy of any account. So if you fail to delete any of the inaccurate accounts I have mentioned in this complaint I need to see the actual documents and results you received from the creditor or the collection agency because at this point I have given many chances for these accounts to be fixed and you failed to do so deletions are mandatory. There have been numerous of cases when the consumer reporting agencies have been sued for continuing to report inaccurate information on a consumer reports and I really dont want to have to take it there so please delete these accounts.
Product: Debt collection

I mailed three separate dispute letters to Synchrony Bank for Wal-Mart, JcPenney and XXXX XXXX on XX/XX/2018. I have not received anything verifying my debts with Synchrony Bank as of today XX/XX/2018. To my understanding if I, the consumer, have not received a letter on company letterhead verifying the debt with my original signature within 30 days, then the company, Synchrony Bank, must delete all accounts from my credit report.
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$36000.00}, Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$19000.00}, Creditor : XXXX XXXX XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries and accounts on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries : Unauthorized Accounts and Inquiries : XXXX XXXX- This account does not belong to me ; please delete XXXX XXXXXXXX - This account does not belong to me ; please delete XXXX XXXX XXXX XXXX This account does not belong to me ; please delete XXXX XXXX XXXX XXXXXXXX- This account does not belong to me ; please delete XXXX - This account does not belong to me ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX- This account does not belong to me ; please delete
Product: Credit card

Bank of America Charge Off asks them for the 1099-A the account was closed and charged off as of XX/XX/year> the last payment I applied to the account was on XX/XX/year> they continue charging me interest after charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Product: Debt collection

I opened an account at Conns in XXXX. I fell behind on payments due to medical issues. In XXXX I agreed to a settlement option with Conns. The details of the agreement included {$100.00} payments a month from XX/XX/XXXX-XX/XX/XXXX. The last payment was a balloon payment of {$960.00}. The payments were automatically withdrawn from my account on time each month. After the last payment I contacted Conns in XXXX to confirm payment was received and to receive a letter/receipt of confirmation. I was hung up on by the Customer Service Agent. I recently discovered Conns did not close the account and put it on my credit report. Conns is now trying to collect almost {$3000.00}. I can never get anyone on the phone thats helpful or respond to emails. I started sending dispute letters to Corporate in XXXX or XXXX. Now Im getting phone calls. After speaking with Reps from Conns I contacted my back for proof of payment. My bank confirmed that Conns returned the {$960.00} payment on XX/XX/XXXX. Conns rep told me the payment was returned on XX/XX/XXXX for insufficient funds, which is not true. I have sent a letter to Conns confirming per my bank that Conns returned the payment. I also recorded the conversation with my bank and sent that in an email to Conns. I have asked Conns to remove the derogatory line from my credit as this is an issue thats not resolved. No response!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed 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 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 or other personal consumer reports

Again, I appreciate your time to REMOVE some of the incorrect credit information in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. I am submitting this time to notify you of incorrect entries on my credit report, which I am disputing. These items do not pertain to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these inaccuracies from my credit file. 
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 -TransUnion : 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  The disputed items are unfamiliar to me, and similar information has been deleted by other credit bureaus, leading me to question their accuracy. The reported payment history for these items is also confusing, as outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Debt collection

I had a XXXX on XXXX. I was a medicaid and XXXX  patient. I submitted proper insurance work. XXXX, XXXX, and XXXX a collection agency has my funds help up, insisting I owe for this bill. I have sent them confirmation of payment through my insurance company and they have not released my funds. I receive. Social security XXXX, my grandson receives survivor benefits from social security.. I have sent them confirmation that I have an open case. They insist on looking at my bank records.
Product: Vehicle loan or lease

The car was repossessed by the company they sold the car I did not hear anything from the company. However on my credit report the company reported that I owed the total balance after sales if I owed a remaining balance the gap insurance would have pay off the car. I dont own the company any money I would like for the repossession to be removed from my credit report
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

It started out a Dispute of XXXX  of Goods and Services! On ( 5 ) separate occasions Synchrony reopened my Dispute because the Synchrony employee understood the issues of Blemished Goods and the ( XXXX  ) Scabby Installation. 

XXXX XXXX has a PDF, " How to install Replacement windows ''. Please document this, as the manufacturer 's Instructions Clearly State, that the Gap around the window frame and the rough opening is only 1/4 '' at top, bottom and left and right sides! 

In which you can clearly see a scam in the process that was stopped the same day the installer was here to install these Blemished and a Broken window. 

Synchrony Bank Lowe 's Advantage card Dispute Team are NOT and DO NOT Favor Customers. Synchrony Accepts Fraudulent Documents in which the Date of " Certificate '' of Completion is the next day XXXX. 

There is NO Signature from me, XXXX XXXX, nor my wife XXXX XXXX. We had XXXX XXXX XXXX XXXX XXXX XXXX, TX, come out to give a ( bid ) Estimate. He was XXXX founded by what he saw of the partial install that XXXX XXXX XXXX had started! 

On XXXX, XXXX XXXX dba XXXX XXXX did come out to Remove Lowe 's Atrium Blemished windows and practically started to leave because of what ALL they were needing to do to get the windows into the Rough Opening ( Required ) to then Secure to 2 '' x 4 '' s.

Lowe 's Windows returned, a full refund was issued " AFTER '' I had XXXX Police to assist me in making sure no one else lies as to what I've said or done. In fact the woman policeman who assisted me was in agreement after showing her pictures that the partial installation was ( horrible ) unprofessional. 

I've been fighting this dispute from day ONE! 

I found out thru my messages Synchrony Lowes that they've Accepted Documents that Clearly Show different dates and documents without Signatures!! Then tell me to work it out with the store ( Lowe 's ) manager???? 

Synchrony is still refusing to adjust our Lowes Advantage Account Correctly. They also sent me XXXX XXXX XXXX who lives in Florida Denial of her dispute as well! 

Lowe 's 3rd Party XXXX XXXX XXXX XXXX XXXX did NOT want to deal with me, end of story! 

All the above is TRUE and CORRECT, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for non-compliance with FCRA guidelines regarding my disputes. Experian has exceeded the 30-day window for investigation and has not provided clear results or documentation for their findings, violating my rights as a consumer. 

Key Issues : Investigation Delays : Experian has not resolved my disputes within the 30-day period mandated by the FCRA. 

Failure to Provide Clear Results : Experians response to my disputes has been vague, with no indication of verified, deleted, or updated items, suggesting that no meaningful investigation was conducted. 

Lack of Documentation : Experian has not provided any supporting documentation or explanation for their verifications, failing to uphold my right to a fair investigation.
Product: Debt collection

This account was reported on my credit file XX/XX/2022 The amount is XXXX. 
I have disputed this information, and nothing changed from the disputed. This is not my account. 
Procollect INC. is the company.
Product: Vehicle loan or lease

After finding a vehicle I liked at a local dealer, I was excited, I went and put {$9800.00} down as well as traded in my car. A short time after, I got a call that the dealer was taking the car back due to financing not being approved. In the meantime, they had sold my trade-in and refused to give me any of the {$9800.00} back that I had put down, citing a $ XXXX XXXX fee in addition to any wear or tear. They charged me this even though it was specifically outlined in CO code that this is not an acceptable practice.
Product: Credit reporting or other personal consumer reports

Experian has fulfilled to fulfill. It's legal obligation. Under the fair credit reporting act. To conduct a reasonable re-invest of disputed information on my credit leaving in accurate or unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit. against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action. To remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I had bought a XXXX XXXX for XXXX on XX/XX/XXXX from XXXX. XXXX immediately pulled {$20000.00} out of my Navy Federal account without verifying that the car that I paid for was available for sale. On XX/XX/XXXX I was notified that the car was no longer available ( it was a partner vehicle, so its listed in multiple places ) by XXXX. I contacted my bank, Navy Federal on XX/XX/XXXX to see if they could mark it as fraud and they said no. I have had numerous text messages with XXXX and phone conversations and it is XXXX and I still do not have my XXXX XXXXXXXX back. I was told 3-5 business days. Its been way past that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Upon reviewing a copy of my credit report, I discovered that I was a victim of identity theft as there was an auto loan with CARMAX AUTO FINANCE that was created XXXX XXXX XXXX I did not create this auto loan nor did I authorize my name to be on this loan. I have already disputed with all 3 credit bureaus however this negative item remains on my credit report.
Product: Debt collection

on XX/XX/XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX. I applied for XXXX  insurance and got approved to start covering from XX/XX/XXXX until XXXX months XXXX. Went in XX/XX/XXXX for another XXXX XXXXd not sure if got billed or not but didn't have knowledge I was going to get billed because I had the XXXX insurance to cover all my XXXX and a couple months XXXX I talked to someone in the hospital and they told me that they would pull this back from my debt. I do have documents stating that I had coverage. The total debt owed to armada corp right now is {$2000.00} the debt was opened XX/XX/XXXX.