23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS : 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: Money transfer, virtual currency, or money service

PayPal often codes everything as an AUTOMATIC PAYMENT. Then they refuse disputes because they were " automatic '' I was charged for a supposed subscription on XX/XX/XXXX under company name XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX states there are many complaints for this company, especially thru PayPal. This is from Paypal XXXX XXXX XXXX  against XXXX XXXX XXXX XXXX XXXX XXXX  I have a recurring charge from a company I never heard of. I have no idea what I am paying for. Have tried emailing in the past to cancel with no response. What do I do?? 
Disputes & Chargebacks XXXX people had this problem. *** This is coincidentally the date of my first charge ), I was charged again on XX/XX/XXXX. This time the amount, without explanation was XXXX and the company billing me was XXXX XXXXXXXX. PayPal closed my dispute request. CASE ID XXXX I currently have an outstanding negative balance of the XXXX with Paypal, which will soon affect my credit.
Product: Bank account or service

XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX
Product: Checking or savings account

I'm constantly being hit with overdraft fees and I've been trying to maintain a positive balance but my account amounts are never accurate enough for me to try to keep up
Product: Credit reporting, credit repair services, or other personal consumer reports

Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account
Product: Debt collection

CFPB Team, Hunter Warfield has attempted to collect an invalidated debt stated as {$620.00}, reporting to all 3 credit boroughs, and in violation of FDCPA regulations in multiple actions. 

Personal actions : - XX/XX/2020, debt was disputed on the same date as received from Hunter Warfield. 
- XX/XX/2020, a certified letter was sent to Hunter Warfield, again disputing the stated debt, and requesting that communication be only received via letter.

Hunter Warfield ( company ) actions in perceived violations of FDCPA : - Stated debt was never validated, via any communication method. 
- Attempted an email on XX/XX/2020, which required an acknowledgement of ownership and accuracy of debt in order to see any information. 
- Ignored a certified letter request to communicate only via letter, emailing repeatedly. 
- Attempts to collect amounts greater than originally stated ( {$660.00} requested on XX/XX/2020 ). 

These FDCPA actions and tactics appear common from reviews of Hunter Warfield, but more importantly do not appear to comply with legal consumer debt rights.
Product: Debt collection

I received a phone call from Paragon revenue group in XX/XX/2020 stating I had a debt placed with them. I told the representative in that phone call that I didn't have such a debt and I requested validation of it as provided by law. I then prepared a written statement outlining that the debt was incorrect and false and asked for proof of such debt. The letter was mailed via USPS and signed for by Paragon Revenue indicating receipt. On XX/XX/XXXX the account was listed on my credit report and no proof of the debt has been provided. Zero proof or documentation has been provided by the collector. This fraudulent reporting has damaged my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

CFPB, TransUnion is in violation for reinserting one of my closed accounts. XXXX XXXX XXXX account was closed on XX/XX/year>. TransUnion has reported it on today 's date XXXXfcra reinsertin of closed accounts Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that a credit bureau has started to again report inaccurate information that was previously disputed by a consumer and removed or suppressed by a credit bureau XXXX XXXX XXXX, and TransUnion, and others from the consumer 's credit file. It's XXXX XXXXXXXX {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I been checking my credit and I have found some late payments in my XXXX XXXX  account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm  requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 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 XXXXXXXX
Product: Credit card or prepaid card

I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase on XX/XX/2023 online at XXXX using the app Affirm. I purchased a total of four XXXX XXXX  that cost XXXX. I noticed on Affirm that there were two loans pending for the same exact amount and eventually they were both approved by XXXX. I am expected to pay both loans when I only received one order of the four XXXX, not two. I immediately contacted an Affirm representative and they explained to be that it is the merchants responsibility for this double charge. They also provided me with an order number for that second loan. I called XXXX and they said this issue is the responsibility of Affirm and they do not have any record of the order number provided by Affirm. They only have one order of the tires in their system. I opened a dispute with Affirm and they closed it without providing any information as to why they closed the dispute. I need to get some answers and they are not helping at all.
Product: Debt collection

Hello, I received a bill from company stating I owed a different amount than what's trying to be collected. They said I never gave notice of my moving out but that is incorrect because I gave notice months before the move out.
Product: Checking or savings account

On XX/XX/year> I was charged for a hotel room that I didnt stay in nor did I authorize my card to hold the room once I contacted the hotel third party the informed me that I will be getting a refund the 4td party gave me a partial refund. So I called my bank and told them what happened the still allowed the charge to go through. My Bank ( Nfcu ) gave me a temporary credit then withdrew the funds back. I was charged {$2800.00} dollars and only received {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/ to update this suspicious account. I think you have not validated this account : XXXX XXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.
Product: Student loan

As a result of a federal injunction, my student loans were placed into forbearance as part of the XXXX program on XX/XX/year> ; I received a letter from my loan servicer that I would NOT be accruing interest while the loans were in forbearance. Today, XX/XX/year>, I received a notification that my loans would accrue interest during the forbearance beginning XX/XX/year> - and would account for the time I was placed into I was put into forbearance on XX/XX/year>. I shouldn't accrue interest in a forced forbearance and would like to have interest removed from my account until payments resume and forbearance ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX issued My Investigation ResultXXXX stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. LexisNexis are also reporting the same. Please remove and delete
Product: Checking or savings account

The bank was returning charges and impossing {$38.00} returned charge fee multiple time throughout a month. This is after I had elected to have overdraft protection, which they showed j that I didn't even though on my online banking app I did. Further these returns kept the bank from being able to give me details on these attrmpted charges which made it impossible for me to attempt to verify the validity of them, which upon investigation were not authorized instead fraudulent.
Product: Credit reporting or other personal consumer reports

Full certified copy of all statements, all documents, all contracts, all interactions ever made with the questionable account ( s ), was requested by LexisNexis to provide me or delete false and misleading information. LexisNexis never provided me any proof and information. And went above and beyond to hurt my credit. Defaming my character to profit. This has hurt my credit at a very vulnerable time. I seek damages, treble for fraud for sham investigations carried by LexisNexis that surprisingly ended within hours.
Product: Credit reporting

Microbilt- Re Inquiry I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft Ifrom being XXXX XXXX XXXX XXXX all my information was stolen along with my purse made a report on XX/XX/year> with XXXX report number XXXX with officer XXXX XXXX badge number XXXX. My identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by EQUIFAX XXXX XXXX XXXX XXXX XXXX account number XXXX {$2300.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5400.00} along with several bank accounts being opened.
Product: Credit reporting or other personal consumer reports

XXXX did Hard inquiries on my account that i had nothing to do with. I believe i am a victim of Fraud and identity theft
Product: Credit reporting or other personal consumer reports

there are XXXX inquiries on my account from XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ive never been to XXXX  or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Product: Credit card or prepaid card

I received a Netspend prepaid XXXX card as a XXXX  gift in XX/XX/XXXX. The purchase date is unknown. The person that gifted me the card did not include the cardholder agreement. Upon attempting to activate the card on the Netspend website on XX/XX/XXXX, I was given an error message and instructed to call the customer service line. Upon making contact with a customer service agent, I was informed the card expired on XX/XX/XXXX. The card states it is " GOOD THRU XX/XX/XXXX '', which I pointed out to the agent, who informed me the card has a 120 day expiration ( she did not explain what the expiration was or why it expired ) and the date on the card is the shelf life of the card. When I informed her the card was never activated and there was no indication of an expiration date on the card, I was told I could be issued a check but a {$4.00} fee would be deducted from the card. I requested the fee be removed as there was no indication on the card itself of any fees or expiration dates associated with the card. She told me there was no way to remove the fee, so I asked to speak with a supervisor. She informed me I could not speak with a supervisor as everyone was taking calls and the supervisor would not be able to assist with removing the fee. I asked her to put me on hold to wait for a supervisor and instead of being put on hold I was rerouted to enter my card number for activation. I entered my card number and received a message that my card was invalid and the call disconnected. After the call ended I searched the website for a cardholder agreement and was unable to determine which cardholder agreement was associated with my card, as there were many options but no indication of how to find the long form ID that would indicate which agreement to choose. There is nothing on the website to show there are expiration dates associated with card activation or that the date on the card is the shelf life. All I request is to receive the full {$50.00} amount I was gifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed from my credit report or send debt validation of these accounts with my signature.
Product: Credit card

THE OPENED DATE IS INCORRECT IT'S SUPPOSE TO BE XX/XX/XXXX. XXXX HAS THE DATE XX/XX/XXXX. 

ALSO I'VE NEVER MISSED A PAYMENT, IT SHOWS XX/XX/XXXX, IT SAYS I WAS LATE 30 DAYS THAT'S INCORRECT!!!! 


Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$26.00} {$26.00} {$26.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$160.00} {$160.00} {$160.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$0.00} Credit Limit : {$450.00} {$450.00} {$450.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX