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

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Debt collection

Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.
Product: Checking or savings account

Friday XXXX XXXX XXXX {$100.00} withdrawal XXXX {$200.00} withdrawal XXXX {$200.00} withdrawal XXXX {$100.00} withdrawal XXXX {$60.00} withdrawal I was at home with my card in my wallet when these transactions took place. I am sure a look at the camera footage from the atm would have shown that if anyone looked. I also received an order from XXXX 's club at my door moments before this occurred. My claim was denied and I do not feel a proper investigation was held. My claim number is XXXX
Product: Money transfer, virtual currency, or money service

I notified JP Morgan Chase Bank that I was going to receive a wire transfer from the sale of my home and the bank return the wire transfer WITHOUT NOTIFYING ME IN ADVANCE- I followed their wiring instructions with in my specific account posted under all of my account number information, and i notified Chase in advance of the transfer- and they purposely rejected the wire transfer creating a convenient overdraft issue for the sole purpose of obtaining additional fess from me.
Product: Credit reporting or other personal consumer reports

I was a customer of XXXX for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( XXXX XXXX Experian ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with XXXX. I am being sent in circles about this & have sent letters to each of them on XX/XX/year> to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, you have failed to do co. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over 30 days ago and you have not yet responded : EXPERIAN XXXX XXXX XXXX XXXX  ( XXXX XXXX ) BALANCE {$15000.00} XXXX CREDITOR : XXXX XXXX XXXX XXXX  ( XXXX XXXX ) BALANCE {$13000.00} This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile. 

Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information XXXX hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This was a timeshare that I got cancelled and terminated in XXXX of 2024. The contract stated that all money that was borrowed would be returned to the banks that lent it to me. For some reason this is still reporting on my credit report when its an account that is not only closed, but was meant to never exist there as I was scammed into this and it has been documented as such.
Product: Money transfer, virtual currency, or money service

1. XXXX XXXX XXXX XXXX paid me {$80.00} via PayPal and sent the funds to my e-mail address XXXX 2. PayPal notified me of the transfer. 

3. Problem : I did not have an active PayPal account ( I closed it to protest PayPal founder 's support of the XXXX. I DID NOT HAVE AN ACCOUNT. 

4. PayPal held the funds and did not XXXX XXXX XXXX know that I did not have an active account. 

5. This situation is Tantamount to depositing {$80.00} in an account at XXXX,  and XXXX keeping the money, when I did not have an account. 

6. I had to open a new account to receive the funds. 

7. When I verified the account PayPal said that the funds were not present. 

8. I had to complain about the situation and eventually received the money. 

HOWEVER, HOW CAN A FINANCIAL INSTITUTION HOLD A DEPOSIT FOR ME WHEN I DO NOT HAVE AN ACCOUNT? THIS IS ABSURD AND ALSO SCARY. I CHOSE XXXX  ON PURPOSE GIVEN ITS SHADY HISTORY. 

Dear XXXX XXXX XXXX, Good day! I hope my email finds you well, XXXX. We can sense the importance of this matter to you. 

You have a very good point and I do understand the confusion, an email address that is not yet technically link to an account or not yet confirmed can received payments due to that we always give chance to everybody to use PayPal yet the sender can cancel the transaction when its tagged unclaimed on there end. To know more about PayPal please click on the link below. 

https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security On a personal level, I would like to extend our apologies for the inconvenience caused. 

Thank you for being part of the PayPal community. For additional questions, please visit www.paypal.com and click Help & Contact, near the bottom of any page. 

Sincerely, XXXX PayPal XXXX XXXX PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$750.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$750.00} Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Charged off account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account Sort By : XXXX XXXX XXXX XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$610.00} High Balance {$610.00} Remarks Consumer disputes this account information Collection account XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX ( I do not have dates for these, it will not let me review it The steps I have taken to remove fraud from my name. I have legitimate proof that it was fraud if anything is needed.
Product: Credit card or prepaid card

The American Airlines AAdvantage Executive card benefits listed on their website : https : //creditcards.aa.com/citi-executive-card-american-airlines-direct/ Lists Admirals Club as a benefit of being a card member. When I tried to use the program at XXXX XXXX XXXX on XX/XX/2010 at XXXX EST. I was denied access to the Admirals Club because my flight was not on American Airlines. I have read through all the fine print on the promotion, and can not find any statement which excludes using the membership due to flight carrier selection. The main purpose of the Citi card was to utilize the Admirals Club membership. I believe the credit card promotion is predatory for advertising a membership with out fully listing all the restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
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 XXXX XXXX XXXX, XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the XXXX  months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report. 
The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, XXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Thank you for your attention to this matter.
Product: Checking or savings account

It was td bank it was on Friday around XXXX XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Hampshire phone number XXXX deposited XXXX checks under my XXXX XXXX XXXX and I called the bank and they told me to call the company but the bank let her put it under her name her checking when the check was mine why? She took my check and put it under her account! I need help and want to say she committed fraud and havent gotten any money it was a XXXX $ check and a XXXX check someone please help me and how do I go forward! XXXX in XXXX XXXX in XXXX Massachusetts she did it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Other information I would like changed CAPITAL ONE Account Number :  XXXX Please remove this inaccurate information from my credit report. 

2. XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit card

On XX/XX/XXXX, I received an alert that someone had used my card at XXXX XXXX in XX/XX/XXXX, charging {$840.00} and this was flagged as potential fraud. I was in XXXX at the time and have never shopped at XXXX XXXX. I checked to make sure I still had the card in my possession and, upon receiving this alert, I immediately called Chase to report this charge as fraudulent and request a new card. 

On XX/XX/XXXX, I received a call from Chase stating that, through their investigation, they ruled that the physical card was used for this purchase and no fraud occurred and I would be rebilled for this fraudulent purchase within the next 1-2 billing cycles. On the evening of XX/XX/XXXX after receiving this call, I submitted additional documentation to their Fraud department that I was in XXXX at the time of the fraudulent purchase including flight itineraries, rental car receipts, and hotel receipts. It would have been impossible for me to make this purchase with my card. 

I am submitting this request because I did not make this charge, have proof that I was not in the state at the time of the purchase, and am concerned that Chase is not doing their due diligence with this case.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 i made a purchase at XXXX XXXX in XXXX XXXX, New Jersey and used {$160.00}. on my cash app card as well as cash in my pocket to pay for the purchase. Prior to making the purchase I realized that i did not have enough cash to pay for the entire invoice. at that point I had my father cash app me {$90.00}. When I paid, initially the money from my father had not been added to my cash app card and the paymnet declined, i forget the exact amount i attempted to charge on my cash app card at that time. I contacted my father and found that he did not complete the cash app transaction. When the credit was added to my cash app balance, i went in and paid for the purchase, using cash and {$160.00} on my cash app card, this amount was different from the original amount that declined. I dont remember the original charge amount, i was unable to access it on my cash app card and cash app online chat over the past few hours was also unable to provide me with the declined charge amount. ( and im sure they could see it on their end ). When they ran the cash app cash card for {$160.00} the amount was deducted from my balance and i never had any reason to look at the charge again. Cash app claims that a portion of that charge was later credited back to my account and I used it. They also stated that XXXX XXXX reran a portion of that amount at a later date and it caused my account to mysteriously be overdrawn last night for XXXX XXXX. As i recall i had {$1.00}XXXX XXXX XXXX  and possibly some change in my cash app balance last evening XX/XX/2023. I had my father transfer {$40.00}. XXXXXXXX XXXX  to my cash app card around XXXX XXXX XXXXXX/XX/2023 and when i went to used my card for {$25.00} it was declined. that is when i looked at my cash app on my phone and it showed me an overdrawn balance of XXXX XXXX When i contacted cash app by chat, they claimed this off the wall story about the XXXX XXXX transaction. However, i did not notice any problem with my cash app balance at all until the prolem last night occurred. I requested that chat with a manager and the chat session representative would not connect me last night. I attempted to contact a cash app supervisor this morning and they would not connect me with a supervisor. at some point in my account, cash app charged me {$160.00} again for the XXXX XXXX charge. the only transaction i have from mr.driveshaft is dated XX/XX/2023. 
Not only did they charge me twice, they were unwilling to have a supervisor even discuss the issue with me. In dealing with cash app over the years i find them to be a very irresponsible organization. I also find them very willing to support those who scam on the internet and unwilling to be unhelpful in resolving account issues that may occur from time to time Cash app owes me {$160.00} Please advise, me as to the status of this issue. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach. These inaccurate items have been causing me to have problem obtaining credit from banks. I have asked the bureau to look into these items but nothing has been done. The next step would be for me to seek litigation. I have also provided evidence to show that I am a victim of the Equifax data breach.