23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I sent correspondence to Portfolio Recovery Associates, LLC. I asked them to provide a VALIDATION BY NOTARIZED STATEMENT by a person with original knowledge of the alleged debt and if they could not provide that within 30 days then they were to delete the item from the 3 major credit bureaus. They are not to send statements or verify they have my address. I have no contractual obligation that ties me to Portfolio Recovery Associates, LLC and if they can not provide a Validation by Notarized Statement then they must delete the item from my credit report.
Product: Money transfer, virtual currency, or money service

Okay this complaint is with Cash App or better known as Square , INC. I brought some tickets with my debit card from XXXX XXXX. When i got to the gate of XXXX XXXX there was a mishap and we had to go to the customer service desk. When i gave them the confirmation number they asked for photo ID but i lost it in the uber coming to the park. So to make things worse the supervisor said he COUNLD NOT honor the tickets and agreed to refund the full payment to the cash app card that i brought them with. Well unbeknownst to me cash app froze my card and closed my account. I tried talking to them about this for more than 3 weeks, NO  ANSWER ... i called XXXX XXXX  and they CONFIRMED THAT THEY SENT THE REFUND TO THE CARD ON FILE. So im just trying to get my refund for the tickets. The total of the tickets was {$250.00}. All i want is my money back i did nothing wrong
Product: Credit card

I pay in full my credit card on XX/XX/2023 but they charge me interest because they said after 3 months that they not received my direct deposit on XXXX and so ask my bank for information and they told me that the money was sent to the account with is : CITIBANK BEST BUY VISA.. I call them to make sure they know that the money has been deposited.. but they denied it.. I send all the documents ( from my bank ) they asked me but they didnt give me any solutions.. make me pay again for something that was already paid..!! And know again they asked me to pay more money ..and i refused to do that
Product: Credit card or prepaid card

On multiple dates starting from mid 2020, I have tried to make payments to synchrony bank for the PayPal MasterCard that I opened with them. There has been a serious issue with the online account which has not given me access to my account on numerous occasions. I have filed multiple complaints with PayPal and it is on record with PayPal in their customer service history that there is an error that does not allow me to pay. I have even been on the phone with one of PayPal Service members on XX/XX/2020 in which I provided them debit card information for a payment of XXXX USD and they never processed the payment, and that exact debit card had a fraudulent purchase 2 days later on it. It is an ongoing issue that I continuously have to deal with since mid 2020, I have filed multiple complaints/grievances with PayPal/Synchrony bank and their supervisors yet the issue has NOT been resolved. The only thing the supervisors or regular service member tells me is that they are going to wave the late payment fee because of the ongoing issue and transfer me to multiple calls which I end up getting disconnected from. The only assistance I get is someone from PayPal writing a note on my account stating that I continuously keep having the same issue. I can not access the online account to my MasterCard and there has been an internal error that still has not been fixed since months after I filed grievances with PayPal/Synchrony bank themselves. I can not even link a bank account or a debit card on the website since the initial issue and even though I have made multiple attempts to try and resolve this issue, it is still unresolved as of this date XX/XX/2020, I uploaded a screenshot attached on the bottom as evidence. 

There have also been an occasion, approximately mid 2020, where there was a fraudulent purchase on my PayPal MasterCard and I had to wait almost 2 months for a card to get shipped to my house. Then when I tried to make a payment online, they stated I needed a card ( which took approx. 2 months to ship to my location XXXX to even access my account information online which rendered me incapable of making a payment. The same resolution was made by them by waiving the late fee due to an error on their side. I, to this date of filing my grievance, have not met a resolution with PayPal/Synchrony bank even though my multiple attempts and literary countless hours of staying on the phone with them, getting transferred to different internal departments, and even talking to multiple supervisors. The only resolution they seem to have is making a note on my account which does not help because of the on going system error/issues on their side. 

PayPal/Synchrony bank have admitted that there is an issue on their side of the system, which has given me ongoing issues with them. I request that an adjustment be made to my credit report because of this on going issue with PayPal/Synchrony bank that, unfortunately, they have not been able to resolve to this day.
Product: Credit card

On XX/XX/year>, I attempted to make my first payment on my credit card account using my XXXX XXXX XXXX card through XXXX XXXX. The payment was rejected, I called to check why they said sometimes that happens I was advised by customer service to retry the payment. I made second on on XXXX XXXX XXXX subsequent attempts, both of which were rejected in the same manner. 

Following the second rejection, I withdrew funds from my XXXX XXXX XXXX card by XXXX XXXX account and deposited XXXX in my XXXX XXXX account which is the account I use to pay my payments regularly and paid half of the outstanding balance to avoid further issues. They accept the payment However, my account was still closed. 

I spoke with XXXX representatives and a supervisor at Capital One on XX/XX/year>. They informed me that they could not reopen my account because of the XXXX returned payments and they talked about policy etc and on top of that they said unless I paid the full outstanding balance they can reopen my account but their was no guarantee. I asked that they undue that because it wasnt my fault. The supervisor said theywould consider opening my account once I paid off the remaining balance. I find this condition unjustifiable, given that the payment processing issues were not my fault I was never made aware that that form of payment wasnt accepted.
Product: Credit reporting or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite PREVIOUS written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which governs the process of disputing inaccurate information on credit reports. Despite my attempts to dispute inaccurate information on my credit report, the credit bureaus did not conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 5 ). They also failed to provide me with any sufficient documentation or detailed explanation regarding the results of the reinvestigation or the reasons for maintaining the disputed entries. This lack of transparency and failure to fulfill their legal obligations left me without the necessary information to understand or address the inaccuracies. As a result, I am filing this complaint to seek assistance in ensuring that the credit bureaus adhere to their responsibilities under the FCRA and provide the required information and proper resolution to my credit report disputes. 

the following accounts are inaccurate and fraudulent ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX  XXXX XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:251 XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX  XXXX 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

I have inaccurate addresses on my consumer report ( EXPERIAN, XXXX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied for the Gold card offered by American Express. The card is approved on XX/XX/2019. When I applied for the card through American Express website, Amex said that " You can earn 50,000 Membership Rewards points after you spend {$2000.00} or more in eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. '' When I clicked on Amex website to agree to this offer term, the website also provided a PDF file of the offer term that I can download so I have a copy of the offer term that I signed up for. The offer term is 50,000 Membership Rewards points as the welcome bonus. I also mentioned the 50,000 Membership points to the customer service during an online chat on XX/XX/2019, and the customer service agreed this term I mentioned. 

However, after I spent {$2000.00} in the first 3 months ( 2 months actually ), Amex only gave me 25000 Membership Rewards points. This is not consistent with the offer term that I signed up for. After communication with Amex many times by online chat and by phone, Amex claimed that they have no mistakes on doing this. This is inconsistent with the document and the offer terms I have. Until today, Amex still refused to fulfill their offer term.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

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

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

You all reporting a debt owed on my report however I do not owe this company any money and this debt is not mine. The company has provided me with a letter on their letter had advising of the same. Delete this off all three credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were pre-qualified for a car loan with Capital One. We took the letter to the dealership as told. The dealership ran our credit with other finance companies without us signing approval for that. I ask the dealership why they didn't use the Capital One and he replied that Capital One did not approve us. I found out Capital One did approve us, but we needed to get more for our trade in then what the dealership were offering. I requested for the inquires to be removed from the finance companies since they have no signatures. Still on our credit report. Also, Capital One and XXXX running ads, get pre-qualify with no impact to your credit and they also have hard inquires on my report. 

XXXX, XXXX XXXX XXXX XXXX XXXX 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

I did not file bankruptcy in XXXX  because I live in XXXX, I disputed XXXX, XXXX, and Experian by submitting my husband 's military XXXX orders, proof of residency since XX/XX/2010, driver 's license, a letter from XXXX  court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with XXXX  court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I got a update on payment status change on a sync bank account that account was in violation of the Fcra for reporting late payments on a charge off I got an alert just now that it was changed did you guy 's do a complete investigation on this account or did your office change it? just curious
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXXXXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurancy of the information concerningthe individual about whom the report relates. these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurat A person shall complete all investigations, reviews, and reports required under p

aragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that se And according to 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) A person shall not furnish any informationrelating to a comsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall-After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ;
Product: Credit card or prepaid card

I had {$1700.00} on my card XX/XX/2021 I went to sleep woke up my phone was stolen so I had to go get a new one I logged into my XXXX account and seeing some transactions that was made that wasn't me so I called and and disputed the transactions and so I can get to to bottom of the promble and get it taken care of and to fine out who and why they made the transactions without my permission .well for some reason american express serve card threw XXXX XXXX tax service from fraud department people denied my dispute I did on the transactions for XXXXXXXX XXXX,2021 and XXXXXXXX XXXX,2021 for the amount of {$1600.00} to XXXX XXXX for some reason. And I am so sick and XXXX out over this promble and situation that it's causing my XXXX XXXX to stay high and me to have XXXX XXXX everyday since the day this matter took place
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account XXXX XXXX XXXX  XXXX, Account name : XXXX  XXXX, Account Name : XXXX, Account Name : XXXX XXXXXXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 or can not be verified, the consumer reporting agency shall 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.