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

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine
Product: Money transfer, virtual currency, or money service

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal and XXXX  of XXXX XXXX I notified all of my banks ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, PayPal ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. PayPal, however, did not. PayPal did not reverse {$2000.00} in charges from PayPal sent to two individuals, and stated over the phone that it was my fault that this occurred. Despite successfully reversing the payment from XXXX, the source bank, they stated that if I did not pay this balance that it would be sent to collections, in my state of immense distress I paid the balance. 

After initiating the second complaint, PayPal responded that the unauthorized transaction was not unauthorized because " your login activity remained consistent before, at the time, and after the payments were initiated. '' Since this person *stole my phone* like I explained and was using my phone to perform these transactions, they of course would have the exact same login activity since they were clearly able to get into my phone and continue to make the transactions. PayPal for whatever reason is not able to grasp the fact that this person STOLE MY PHONE AND WAS USING IT. A phone is not a person and being able to get into a phone does not mean that the person using the phone is the owner of the account.

Since this is the third complaint that I have filed and PayPal has not paid me the money back, this will be the final complaint that I will file before initiating a lawsuit.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it is imperative to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately portrayed.
Product: Debt collection

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$900.00} on or around XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Product: Debt collection

XX/XX/2020 company reported me late on my consumer file pursuant to 15 USC 1692e ( 2 ) ( A ) The false representation of ) the character, amount, or legal status of any debt ; or is a federal violation I contacted them multiples times regarding this matter As a consumer and the original creditor which i extend myself credit from my social security card which is my credit card pursuant to 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX  and Experian. To date the debt has not been validated but still remains on my XXXX  and experian credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and XXXX and experian have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Product: Credit reporting, credit repair services, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX I received an invitation from American Express to upgrade my existing account to a new card with better benefits. I called the number on the invitation and was routed to XXXX. The rep who spoke with a heavy accent asked many personal questions in order to set up the new account. After about 15 minutes the rep asked if I wanted an additional card for my wife. My wife said yes so we answered more questions. I asked if my wife 's credit would show an inquiry and the rep said no. After another 5 to 10 minutes the rep said my wife was approved. I asked when we will receive our cards and he stated only my wife is getting a card. I asked him what is he talking about. He said he did not process my upgrade but did add another card for my wife to my existing account. She already had a card on my existing account. There was clearly a lack of communication. I asked to speak to his superior and was put on hold for over 5 minutes. He came back on the line and said np supervisors were available. I hung up and called a different rep and asked to speak to a supervisor. I was put on hold again for five minutes and then told no one was available. A few hours later I was able to speak to an English-speaking rep in America and told the rep my story. She told me the XXXX rep had not processed my upgrade, the reason for my original call, and had added another card to my existing account. I asked the rep why my wife needs two cards for one account. She said she would cancel the card that was opened in error. What do you think happened? She canceled BOTH of my wife 's cards. So, to recap, not only did they not act on my original request but they canceled all of my wife 's cards on the existing account. I called back and asked for a supervisor to call me to discuss the problem. No one has returned my call from American Express. They also put an inquiry on my wife 's credit report after telling me it would not be affected since it was my account and I would be responsible for the charges.
Product: Credit card

I paid my account off in full in the amount of {$5500.00} XX/XX/XXXX the same day after my payoff of the full balance Capitol One charged interest in the amount of {$110.00} leaving an account balance in the amount of {$110.00}. 

I immediately called Capitol One to request the interest charge be reversed. I spoke with a customer service representative who was unable to assist me and forwarded me to her manager XXXX ( XXXX ). I explained to XXXX the reason for my call and my request, she stated that the charge was valid despite my payment of {$180.00} XX/XX/XXXX & my payment in full XX/XX/XXXX claiming it was interest from XX/XX/XXXX to XX/XX/XXXX. I expressed my concern that this amount was not in the pay if full amount shown on the account online to which XXXX told me I should have called to get a full pay off amount. 

This has never been the practice of paying off in full in the past and no explanation was provided as to why it changed. I asked to speak with someone higher and XXXX refused to transfer me. She also refused to reverse a charge to my account after it was paid in full based on my statement. I am simply requesting that Capitol One does the right thing and reverse the {$110.00} interest charge applied to my account after being paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ( XXXX XXXX XXXX XXXX  ) due to XXXX unauthorized charges being made that were not taken upon myself.as well as to multiple accounts being attempted to open such as that were not by me ( XXXX XXXX XXXX XXXX. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or correctedimmediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Debt collection

Monday, XX/XX/2023 : XXXX with Williams & Fudge gave my date of birth and last XXXX of social over the phone without my verification of identity. 
The collectors also have not spoken with me prior to this date. Theyve repeatedly contacted my husband over the phone after finding his contact information through public records, but they didnt know my husband name ( and called him by the wrong name ) and provided him with the last XXXX of my social and date of birth over the phone. The collector claims to have my information from the originator but didnt have my phone number or email. They never contacted me via my mailing address ( which is the only piece of contact information they have that is correct ). When asked about contacting via email, they provided an incorrect email address and stated they had sent information to that incorrect email.
Product: Credit reporting or other personal consumer reports

RECENTLY, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681 ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX  {$2700.00} and XXXX  XXXX {$480.00}
Product: Credit card or prepaid card

I opened an American Express Gold Card late last year and was charged an annual fee of {$250.00}. I then accumulated XXXX membership rewards points. On XX/XX/2019, American Express wrongfully closed my account. They have refused to allow me to transfer my XXXX membership rewards points our of my membership rewards account. In addition, I had many more membership rewards points pending at the time of the wrongful closer or my account. Further, they have refused to refund my {$250.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by XXXX  XXXX bank back in XX/XX/2018 for a closed bank account. Upon contacting XXXX  XXXX back they said that amount was an error and that the correct amount is {$370.00}. ChexSystem acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but CHEXSYSTEMS is illegally still reporting incorrect amount
Product: Credit reporting or other personal consumer reports

Complaint and dispute against EQUIFAX for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681a is not to be permitted without the consumers consent or knowledge. Such is a line item listed as PORTFOLIO RECOVERY ASSOCIATES is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EQUIFAX has stated previously in a response to my complaint in the CFPB portal that a reinvestigation was completed. However, EQUIFAX has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding Portfolio Recovery Associates. This is one of my several demands and attempts to EQUIFAX to provide the CERTIFIED VERIFICATION of the investigation regarding Portfolio Recovery Associates in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).
Product: Debt collection

This is a XXXX time filing a complaint against this company in the last XXXX years. They can not provide me with any written documentation in regards to this debt and the debt they keep referencing is already paid in full via a different agency. Any letters they do send contain different amounts. They keep calling me at work, threatening to send police and send me to jail. When my HR manager tried to contact them it was a scam phone line. If I still owed this I 'm pretty sure my current bank would not have gave me a loan to purchase a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Hi, I've been a fan of Coinbase but my interaction with them these past months has been horrendous. I can't access my funds at all, and every single time I file a support ticket they tell me that the issue has been escalated and to wait 4-5 business days only to never hear back and to get no response to my emails.

Here 's an example email I recieved over a month ago about my ( 4-5 business day review ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello <censored_name>, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ).

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To make it worst, when I opened a debit card, the website didn't work or show my card. When I called them, they said they would try to escalate but could not help me.
Product: Credit reporting or other personal consumer reports

I urge the CFPB to investigate the actions of XXXX XXXX  for non compliance regarding the Gramm- Leach Blilley Act and reporting inaccurate, incomplete information to credit reporting agencies. 



I received a letter dated XX/XX/2023 from a XXXX XXXX who quoted 16 CFR Section 313 15 ( a ) ( 5 ) but where are my initial privacy notice and annual private privacy policies?, that are mandatory even for former customers even if alledged debts have been sold according to Gramm- Leach -Blilley Act. XXXX XXXX, XXXX  XXXX that are charged off and inaccurately reporting on my consumer reports. That makes me a former customer due to these debts that you as a FURNISHER are reporting. 

XXXX XXXX stated that XXXX XXXX  is " authorized to report to the credit bureaus. '' I find that statement to be Misleading because you may be authorized to report but you are not under any mandatory type of pressure to do so! XXXX XXXX  could stop reporting anytime with no consequences. 


I am more concerned with XXXX  being in Non Compliance because the law in accordance with the Gramm- Leach Blilley Act states I am a former customer who should have received an initial notice and should also receive according to CFPB Regulation P your annual privacy policy notices and opt out notices. I understand that they could be served with harsh fines from {$10000.00} to {$100000.00}. 

*A financial institution can be fined {$100000.00} *The officers and directors of the financial institutions can be fined up to {$10000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my mom sent me {$450.00} using PayPal. I easily linked a personal debit card to the PayPal but when I tried to transfer to my card, I got a notice saying my account was limited and they needed certain documents to verify my identity. I immediately sent over a picture of my license, my cell phone bill and bank statement. Next thing I know they have permanently limited my account and I have to wait 180 days to get my money. It was sent to me to help pay my rent. I just lost my husband of 29 years to XXXX XXXX weeks ago, taking care of him I drained my savings, XXXX, etc. That money was to keep a roof over my head, now I'm going to lose my home if I don't get it back. I've contacted PayPal many times as have my mom only to be told nope, too bad. The name on my PayPal is XXXX XXXX XXXX XXXX, is the email and phone for this account. 
I can be reached at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Credit karma false telling me the im pre-approved and nothing multiple times in the last 4 years bringing ing my score down complaint ts are recently surging all over the internet