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

On XX/XX/year> someone sent me {$1900.00} through PayPal. It was sent by echeck. It kept showing that I received payment but it was pending. I messaged PayPal multiple times just to be told I had to wait 4-7 business days. So I did. Then I started to call and kept getting told that the money wasnt at PayPal and for me to contact the bank that it came from. Well being as it wasnt may bank account I couldnt call them. The sender did call and it was confirmed that the payment had cleared and that it should be at PayPal. Still nothing. I kept getting told it was gon na be there on different dates and was told different reasons why I didnt have it mainly that it just wasnt at PayPal . After calling and calling and calling I was able to get a supervisor to call me on XX/XX/XXXX and was told that an investigation was opened and I would receive updates through my email. I havent seen any emails giving me updates on my {$1900.00} floating around in space. I keep getting the run around and everyone saying different things to me about why I have not gotten paid. Today is day XXXX and I still have not received my money from PayPal.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulents account. Thank You. 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXXXXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXXXX/XX/year> EXPERIAN
Product: Credit card

I have attempted numerous times to resolve this issue with Capital One. I have used their chat system, phone system, and direct mail requesting attention to and correction of the issue at hand. I am submitting this complaint as a last resort. 

I opened the Capital One Mastercard at hand on XXXX XXXX, XXXX. Several years ago I put the card aside in favor of another, leaving the account open paper statements and automated payments on, in case any charge was incorrectly billed, or a statement not received. I have not used the card in over 3 years. 

On XXXX XXXX, XXXX a charge of {$11.00} was erroneously submitted to my Capital One Mastercard. I was never alerted to the charge, never received a statement reflecting the charge, mailed or electronic, for the month it was billed, or the next. Capital One nonetheless added a late payment charge to my account, and then another, plus interest, while failing to send a statement or alert that there was a balance on the account. I received no phone call, email, or other contact. My contact information is and was correct and up to date. Similarly, my account had automatic payments setup to avoid such a situation, and no automatic payment was submitted or applied. I only learned of the balance from a credit monitoring service after Capital One reported negative information on my credit report. 

I take my credit, reported information, and scores very seriously. I am vigilant about paying my bills and always paying on time. I have XXXX negative items on my credit reports, that is, until XXXX XXXX, when Capital One incorrectly reported the above as a missed payment, to XXXX, XXXX, and XXXX. 

Even after being alerted to their error, Capital One refuses to do anything to correct the mistake. In fact they act intentionally to reaffirm the information they report, without reviewing that it is correct. 

Filing a dispute with the CRAs is useless. Capital One 's nvestigations into disputes are automated, include no human review, and rely solely on the self-reinforcing data they have previously provided. No actual verification takes place. Blanket, automated confirmations sent in response to disputes. Investigations and review of their responsibilities to furnish accurate and complete information are instant, and even take place on weekends and holidays during which Capital One business offices are closed. 

Capital One does not take seriously or respond to requests for review, completely disregarding their responsibilities and requirements as a furnisher of data to consumer reporting agencies. They have XXXX regard for the devastating financial and personal harms they have caused by incorrectly reporting negative information. 

I want to close my accounts and sever any and all relationships I have with Capital One, but am afraid that if I am to close my account they will never fix this issue. It is for this reason I turn to submitting a dispute, in the hope that the error is corrected on my credit report, and that Capital One does not continue doing this to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, has violated my rights according to the following 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and Account # 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't furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

InXX/XX/2017 Equifax had a breach of my personal information I was affected by that is vital to my financial. well-being. Equifax have not corrected any issue caused by this breach.
Product: Money transfer, virtual currency, or money service

I bank with XXXX XXXX. I used Zelle to purchase a puppy on XX/XX/2022 .These people had a website online and it looked legit. They began texting me and seemed very professional and asked me to send them money for the puppy I wanted. I was hesitant but was told after they received payment I would receive a sales contract and details about when I would receive the puppy. As soon as I sent money they began acting shady. They stopped replying to my messages then replied a couple hours later stating they became busy and that I would receive my sales contract shortly. I then just asked them to cancel my purchase and that I wanted my money back. I called my bank that same day... only hours after the transaction through Zelle to report it. They entered a dispute to Zelle and was denied my money back. Much later that evening they sent a bunk sales contract. It had wrong dates on it and even since haven't received my money back or a puppy.I since have been contacting the person that stole my money which was in the amount of {$710.00} dollars and they have made threats to me. I will be going to the police about this.
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 under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair 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 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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 1681 s-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 causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Dispute of Serious Delinquent Items and Negative Entries on Credit Report Dear XXXX, I am writing to bring to your attention serious concerns regarding my credit report. I have identified multiple delinquent items and negative entries that are inaccurately reporting on my credit profile. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into these matters. 

Verification of Identity : Full Legal Name : XXXX XXXX XXXX Full Legal Social Security Number : XXXX Full Legal Residence Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX I am aware of my rights under the FCRA XXXX and I believe it is your responsibility, as a credit reporting agency, to ensure the accuracy of the information on my credit report. These inaccuracies have significantly impacted various aspects of my life, and I am seeking your prompt attention to resolve these issues. 

I urge you to conduct a thorough investigation into the delinquent items and negative entries on my credit report. If any of these entries are a result of fraud or identity theft, I expect you to take immediate action to rectify the situation, in compliance with the FCRA. 

I appreciate your full and undivided attention to this matter, and I expect that it will be handled without any excuses or errors. I am confident that you will address these issues promptly and accurately, as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the time frame specified by the FCRA. 

Sincerely, XXXX XXXX XXXX Note : Make sure to mail this letter via certified mail with a return receipt requested to ensure you have proof of delivery.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XX/XX/XXXX. 

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name. 

XXXX. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

XXXX. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made. 

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID. 
A copy of my government-issue Social Security Card . 
Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Student loan

I have several late payments o. My credit report from navient dating back to XX/XX/XXXX. The rep told me it 's 6 months, however I had a payment agreement set up with navient. They would automatically take {$220.00} from my bank account every month. This payment arrangement was set up in XX/XX/XXXX. I ask rep how am I 6 months late payment when I had the payment agreement set up? She then told me it as partial payment. I was NEVER informed of this. I was told that my monthly payment will take care of my loans. These lates are extremely damaging to my credit. The CSR let me do a retroactive forbearance but it does not update the credit report. What navient has done to me is unfair. They took my money for 5 months and continued to report my account as late. I recently applied for a discharge of loans with them since I was recently d 's as XXXX XXXX. The CAR said if approved they still wo n't remove the lates from my report. Please help me. email XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I woke up to my car gone and when I checked my phone somebody had emptied my bank account. I ended up finding out it was my childrens father and immediately called the police. The police came to my home but after talking to them, I was told that me and my childrens father was common law married and that it was a civil issue. They did not furnish a police report. I called Bank of America when they opened and explained to them what happened but since I could not furnish a police report, they closed my account and reported me as fraud. Something I was not aware of until last year. So I contacted XXXX XXXX police and asked if they could provide me with the original call for proof that I did call the police. They furnished this report I am attaching. I have reached out to Bank of America and also chexsystems so that they can remove this negative item but they have refused. They are illegally providing information that is untrue and has been proven to be untrue. Im also receiving the original call recording for that day.
Product: Credit reporting

I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.
Product: Mortgage

My loan is with Ocwen loan number XXXX, and there is a foreclosure sale for XX/XX/XXXX-i am desperately asking for you to help me keep my home. 
i have been calling Ocwen to ask for help to apply for a loan modification and every time i call i speak with different agents telling me to send an application. I was approved for a modification in XX/XX/XXXX but i did not accept it because the payment was very high and the gave me a balloon payment of almost XXXX dollars. i callled and an agent told me to send a loan application but when i faxed it and called to see if they received it they told me no and that they could not help me to keep my home. Please help me so that i can have the opportunity to apply for another modification and i also asked for a repayment plan i am trying to get some money to make arrangements.
Product: Student loan

I 'm not able to pay back my loans right now. But I have been out on the forgiveness list. The thing is that navilent took out 15 loans in my name. Now I owe XXXX dollars in loans. How can I get this resolved. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00} {$8500.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX ) I have an unauthorized hard credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized hard credit pull from XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have a unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX  inquired on XX/XX/year> reporting to XXXX XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX reporting to my credit report with Experian These six hard credit pulls are all unauthorized fraudulent transactions that are reporting negatively to XXXX as well as Experian and I would like them erased from my credit report please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, at around XXXX XXXX while watching TV I received an email from a seller from XXXX called XXXX saying " Thank you for your Order ''. This was shocking to me since I did not order anything from them. I looked at the email and the order was for a chainsaw totaling {$570.00} placed on my Chase Debit Card. I  immediately called Chase with whom I bank and advised them of the fraudulent activity and asked them to cancel my debit card. I also contacted XXXX and told them that I did not place the order and ask that they cancel the order. About 3 days later I received another email from the seller telling me that the chainsaw is being shipped. I responded to them telling them that I did not order the chainsaw and not to ship it to me ( see attached documents ). In the meantime, Chase credited my account temporarily. Again I got another email from the seller that the item was shipped ; I again responded asking them not to send to me since I did not order and neither do I need it. They responded that XXXX is investigating my claim. On XX/XX/2018, I received a letter from XXXX telling me that they finished their investigation and based on their investigation the credit will be reversed. I have been calling them and offered to sign a sworn affidavit that I did not order but they have refused
Product: Credit reporting or other personal consumer reports

I am a customer that is affected by the accounts being reported on my file that are not XXXX XXXX percent accurate and it is affecting me from getting car loans.
Product: Credit reporting or other personal consumer reports

TransUnion is FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND TRANSUNION IS DAMAGING MY REPUTATION. UNDER FCRA 617 [ 15USC1681o ] 15USC1681 ( a ) ( 1 ) 15USC1681b Under FCRA 609 Disclosures to consumers [ 151681g ] XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XXXX XXXX, XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXXXX/XX/XXXX