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

I ordered an item online from XXXX for {$98.00} w/free shipping.using my PayPal credit account. PayPal stated that they sent {$110.00} to a XXXX XXXX. I never received any order confirmation or any communication from the recipient of the {$110.00}. I have no idea who this party is that PayPal sent funds to or why amount is greater than item I ordered from XXXX. PayPal refuses to resolve this issue and wants me to pay PayPal Credit the {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get Westlake to do it. Entirely misleading. I have sent Westlake the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.
Product: Bank account or service

On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.
Product: Debt collection

This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Re

porting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not
furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, YOU BROKE THE LAW AND VIOLATED MY RIGHTS! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After viewing my consumer report, I have come to the realization that my report was inaccurate, and this inaccurate report us unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information. 
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companys procedures, and because of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companies database. 
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company has assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this information was valid which is also a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) Your company did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took XXXX side of the story and never consulted with me to find out if this transaction ever took place. As a result of this my privacy was breached and this violated my right to privacy. ( See Exhibit A ) Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether it factually took place can be categorized as a transaction that took place between the consumer making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 USC 1681a ( B ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ) ( definition attached and highlighted in Exhibit B ) Please remove all highlighted information. Refusal to do such will prompt a more demanding and rigorous chain of events. Please send an updated copy of my report via us postal service once the edits have been made.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for breaking consumer rights laws. XXXX XXXX XXXX shared my personal financial details with third parties, including banks and credit agencies, without allowing me to opt out, violating the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey Consumer Fraud Act ( NJCFA ). 

I told XXXX XXXX XXXX I do not agree to this sharing, but they claimed they could do so under their Privacy Policy. However, this policy only allows sharing under specific legal conditions, which I did not approve. Additionally, XXXX XXXX XXXX, labeled as my current creditor, holds my information without my permission or a signed agreement. 

XXXX XXXX XXXX has ignored my two requests for a full loan account statement and only provided a promissory note, which does not comply with the Truth in Lending Act ( TILA ). They also disregard my mailing preferences, sending letters to an inconvenient address despite my clear privacy requests. 

These actions amount to identity theft under federal law ( XXXX5 USC 1681a ( q ) ( 3 ) ), infringing on my rights ( 18 USC 242 ) and using unjust collection methods ( 18 USC 894 ). I request an end to these practices, voiding of the contract, and compensation under NJCFA, NJ Identity Theft Prevention Act, FCRA, TILA, and relevant commercial laws.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX last 4 of my social are XXXX my date of birth is XX/XX/scrub>XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent negative accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential record and certainly not the alleged XXXX XXXX  showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from XXXX confirming that I did not open the account.
Product: Checking or savings account

O did an online transfer of XXXX dollars on XX/XX/XXXX of 2023 to my XXXX account from my USAA account and they transferred the money to XXXX XXXX. They denied my dispute amd stiffed me for XXXX. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers
e item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts with XXXX XXXX  have been charged off and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5.  The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a XXXX balance on the before mentioned collection item account number
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a One Main XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, Citibank North America,
Product: Credit reporting

I am filing this complaint becasue Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requiredto promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report in Identity IQ dated XX/XX/2023, I realized that the same accounts were 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 this reporting account 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 accounts below : XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, three unauthorized electronic fund transfers -- for {$88.00}, {$37.00}, and {$33.00} -- were reflected on my checking account. The following day, on XX/XX/2021, I called Citibank and reported the unauthorized transfers. An investigation was thereafter opened. ( I would be happy to provide documentation confirming this if needed. ) On XX/XX/2021, I called Citibank again to request an update because no provisional credit had been awarded. I spoke with a representative named XXXX, who told me that Citibank had decided to not provide me with provisional credit. He refused to provide me with any explanation underlying that decision. I then asked to speak to a supervisor and was promptly disconnected from the call. Two attempts later, I was finally connected with a supervisor named XXXX, who told me that the bank would immediately render a decision regarding the provisional credit. No such decision was ever communicated. 

On the morning of XX/XX/2021 -- ten business days after I notified Citi of the unauthorized transfers -- I called again and spoke with a representative called XXXX. At first, she told me that no investigation was ever opened for those unauthorized payments. After I provided her with the reference case number, she stated that she could not convey any information about the investigation. I then asked to speak with the appropriate department, and she told me that " the back office is not taking calls. '' I was subsequently connected with her supervisor, XXXX, who essentially communicated the same. He stated further that he would send an urgent email to the office elevating the issue. Still, I have yet to hear anything from Citibank about the investigation or receive any provisional credit. 

Of note, Citibank never requested written confirmation of the unauthorized transactions after I provided verbal notice. Also of note, the same unauthorized fund transfers were reflected, around the same time, on another one of my checking accounts with Citi, and I have received provisional credits for those.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Product: Prepaid card

Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.
Product: Money transfer, virtual currency, or money service

My receiver in the XXXX did not receive the money through Western Union until today XX/XX/2019. It should be available as what they promised XX/XX/XXXX. But I already file a fraudulent transaction and cancel/ stop my transaction today and get my money/ full refund. But they said it will take 7 days. I hope I could get my money immediately.