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

This company is engaging in securities fraud by unlawfully using my identity to extort me, and they have falsely reported a charge-off on my account. Under IRS regulations, specifically 26 U.S. Code 61 ( a ) ( 12 ), a charge-off or cancellation of debt ( COD ) is considered taxable income. The IRS requires that any forgiven debt over {$600.00} be reported as income using Form 1099-C, " Cancellation of Debt, '' unless certain exemptions apply. By misreporting this charge-off as merely a negative credit item without acknowledging the income implications, the company is violating both IRS tax XXXX requirements and SEC regulations XXXX financial disclosures under Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5, which prohibits fraudulent financial misrepresentations. Given these violations, the charge-off must be deleted from my credit report, as it inaccurately reflects the financial transaction and misrepresents taxable income.
Product: Credit card or prepaid card

REJECTING PayPal Credit answer or response because it is a bogus answer or response and is not attached with any proof of Software received by the merchant to have any such charge on my statement they are trying to submit as a valid statement. 

PayPal Credit was supposed to have directly contacted PayPal and shared the dispute with them as you can see they did not but wish to make a statement on behalf of PayPal. 

Send proof of merchandise received and the time and date of receipt of the merchandise. If you can not ( PayPal Credit ) then your act or actions are fraudulent to the point that I am not going to pay for something or be bound to you or anyone for something that I did not receive. 

Billed your merchant and report such to the credit bureau on your merchant. 

You are trying to use these undercover methods and ways thinking that you are going to scare me and place my credit score at risk for something that you failed to do and failed to obey and understand the regulations. Once again, I am REJECTING your response to the CFPB for it is insane for you to think that I am going to pay you for something that I never received and I timely and effectively reported to you over a year ago before filing this complaint with the CFPB. 

This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX Dear PayPal and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXX PRIVATE LIMITED XXXX XXXX XXXX XXXX B INFOWAVES PRIVATE LIMITED The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian, asking them to investigate certain accounts on my credit report. They were supposed to responds within thirty days, but they have yet to do so.
Product: Money transfer, virtual currency, or money service

on XXXX, I direct transferred funds from my XXXX XXXX XXXX XXXX checking account to my daughter 's XXXX debit/credit card account ( one transaction for {$250.00} and a second transaction for {$3500.00} ). This is a free available online account function for XXXX XXXX XXXX XXXX  checking account members and I have used is several times before and after. 
The process is that you send the transaction via e-mail or phone number to a person and they receive a text or e-mail that initiates the transfer process. The recipient opens the e-mail or text link and enters their own account/debit card information on their end, without the giver having that information. 
The issue this time was that my daughter accidentally transposed a couple of numbers on her debit card while entering this information into the text link. There is or is supposed to be a confirmation protocol on my end as well as the recipient 's that makes you confirm before processing. I confirmed I wanted to send the money transfer to my daughter on my end, but she was never prompted to confirm anything on her end after entering her debit card/account information. 
Ultimately, her bank ( XXXX ) had a customer who had a debit card with the transposed number so the money went through to that card without ever having to go through any confirmation or security protocol. 
XXXX XXXX XXXX XXXX said they could not stop or reverse the transaction ( since they had been closed over the holidays and I could not get anyone from the bank on the phone after realizing she never received the funds ), it was too late. 
XXXX XXXX XXXX XXXX said they also could not and would not refund any money because the money transfer was from my checking account to a credit/debit card account ( not from checking account to checking account ), and said I would have to go through XXXX or Zelle. 
XXXX XXXX XXXX XXXX  further said that I had to file an official police report. I tried, but the police said there was nothing I or they could do. 
XXXXXXXX XXXX refused to stop/reverse the transaction and said they would not even look into the matter unless some account holder came forward stating they received funds on accident. XXXX also said there was nothing they could do because it was from a checking account to a debit/credit card. 
The transfer of funds went through Zelle ( who had Poor identity verification methods ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I made a same day {$9000.00} wire deposit transfer from my regions account with address as follows : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; to my coinbase account who as a company uses XXXX XXXX XXXX. The recipients address is as follows : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. 
The recipient bank address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is not responding to queries and the recipient bank is not being helpful. 

This money has yet to appear and it is Tuesday the XX/XX/XXXX.
Product: Checking or savings account

XXXX chase bank closed my account with my money in it because they said I didnt have a Business account I provide Them with Document from XXXX Stating that I had a business and the money was from the SBA they stated it was not going to release the money they was going to send it back and its been a year and now I have to make the payments back but never received the money I call the SBA they said it was nothing they can do I provided them the documents that said I had a business the bank excepted the money and now they wont release it
Product: Prepaid card

As per complaint # XXXX & # XXXX, InComm has failed to credit the {$66.00}. Instead I received an email ( attached ) stating that they are only willing to credit {$17.00}. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$260.00} 2. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX XXXXXXXX Account Number : XXXX Bal : {$0.00} 8. XXXX Account Number : XXXX Bal : {$390.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

during XX/XX/2021 i noticed that i identity has been stolen in fraud and used fraudulently to seek treatment
Product: Student loan

I called Ed Financial Services and told them I made a large payment and that I couldn't locate it. I called Student.gov, my previous lender which was XXXX XXXX XXXX, and no one could recall I made the payment. My balance initially before making the payment was {$12000.00} approximately. Once I made the payment of {$5000.00} even it brought it down to {$7800.00} approximately. I have had fraudulent discrepancies in the past with the education department. I contacted my bank and was able to locate the payment. I ask Ed Financial to help assist me with investigating this and correcting the problem. I still haven't heard back, and I don't believe they are planning to do anything about it. I also ask them to refund the money I paid due to the one-time student loan forgiveness.
Product: Credit reporting or other personal consumer reports

Hey, I've been trying for months to fix the mess on my credit report, following all the rules in the Federal Credit Reporting Act. These accounts are a disasterwrong, unverifiable, and unfinished. I disputed with the credit bureaus and even contacted the original data folks. They said the disputed info isn't their problem ; it's on the credit reporting agencies. I sent everything to every credit bureau, but they acted like they didn't even check. The data folks were clear it's not their problem, but the credit bureaus are pretending everything 's fine. I attached the account details and the data folks ' letter so you can see the chaos. This investigation is driving me crazy! I asked all three agencies to remove this wrong data from my Credit History Report, but they refused. They say your company insists this info is accurate. Here 's the ongoing mess in my credit report : The account got the green light as accurate, but the mistakes are still there, unchanged. 
The date last active on this account is wrong on every bureauthey 're messing with time-traveling via re-aging. 
Account number? Complete chaos, wrong on every bureau. 
Payment history is full of errors. 
This account is reporting payment history after it's supposed to be closed. 
High credit and credit limit? More chaoswrong and inconsistent on all three bureaus. 
Can you believe this? Any help would be a lifesaver.Thanks!
Product: Credit reporting or other personal consumer reports

When I reviewed my updated credit report, I discovered that there is information which is erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Product: Checking or savings account

el banco XXXX cerro mi cuenta en el ano XXXX sin enviar el cheque a mi direccion! durante este perio de tiempo hasta la fecha de XXXX XXXX XXXX  no recibi el pago, por lo cual me diriji a su oficina en el doral y tampoco entregaron los fondos, quedaron en enviar otro cheque el cual tampoco llego, posterior a ello un mes despues ya no dan informacion de fondos ni datos de la cuenta, tengo XXXX  dolares extraviados en el banco quien no me indica a donde estan ni que hicieron con mi dinero.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am XXXX  that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated. 
1. Other information I would like changed. Balance of the account is wrong. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

Please correct/update this inaccurate information on my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Debt collection

I.Q. Data International , Inc., is the collection company that had sent me a notice for over {$11000.00} on XX/XX/XXXX for a debt that I had hired an attorney for. My attorney sent a letter on XX/XX/XXXX indicating they not contact me as the debt was entirely being disputed. The original creditor XXXX XXXX XXXX was sent several certified letters on XX/XX/XXXX. XXXX XXXX XXXX. They were given 30 days to respond and they did not. 
XXXX XXXX Managing Director, XXXX XXXXPresident , XXXX XXXX XXXXXXXX-President , among others never replied to my attorney, XXXX XXXX XXXX 

On XX/XX/XXXX I received a notification that there was a collection placed in my credit profile. I was able to get the name and number of the collection company and they indicated that they sent a notice ; however, it was only sent 10 days prior for a different amount than was originally reported. IQ sent the new collection for {$3000.00} on XX/XX/XXXX. I had not even seen the letter as it was sent to my attorney. On XXXX XXXX, XXXX they had already placed the collection in my credit profile without giving the required 30 days to dispute the new amount. 

My complaint is against XXXX XXXX XXXX and I.Q. Data International, Inc. It is my opinion that the matter was not handled  properly therefor now appearing as a collection in m y credit report. I have taken care of my credit and now there is a blemish in it. 

I have all the correspondence to support my complaint. 
I respectfully request your assistance and guidance on how to resolve this matter. 

Kind regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX XXXX to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I dont recognize these inquiries, nor am I associated with the mentioned creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is XXXX XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Student loan

I looked at my 2 student loans I have Navient. I noticed I was not having much of a dent in my balance each month. It seems that after paying student loans for 15 years on and off I can't get my balance lower than {$30000.00} when my original loan amount was {$7900.00} one loan and {$21000.00} for the second loan. I have a fixed rate of 4.5 percent. I feel like I'm paying a lot more in interest than the 4.5 percent fixed rate. The interest on {$7900.00} should only be {$350.00} and the interest rate on {$21000.00} should be {$970.00}. The student loan provider website says that in the life of the loan my total to pay back will be {$39000.00}. If my loans are 4.5 percent should not the total be no more {$31000.00}. Maybe I do not have an understanding of all the fees with student loans. I don't know. My loan was with XXXX before it was serviced by Navient. I feel like each month when I make a payment most of it is going toward interest and the interest is a lot more than 4.5 percent. I called Navient on XX/XX/XXXX18. I asked the question about interest. The lady I spoke to did not have an answer for me. She put me on hold. After a few minutes I was transferred to a survey for quality assurance. After the survey I was disconnected. I called back and had the same experience again. I felt like no one could answer my question about why my balance is not going down. I have had late payments in the past but have been up to date for over 6 months.
Product: Mortgage

I was getting a divorce The lender would not work with me The loan was an adjustable rate mortgage at the last minute
Product: Credit card or prepaid card

Complaint Statement Balance XX/XX/2023 Previous Balance {$130.00} Payments and Other Credits {$0.00} Purchase and OtherDebits {$140.00} XXXX {$0.00} Past Due Amount {$30.00} Fees Charged {$30.00} Interest Charged {$4.00} New Balance {$310.00} I provided my XXXX XXXX XXXX  Checking Account information when I received and started using the XXXX XXXX Instead of obtaining payment from my Checking Account they charged me fees and interest. I paid this entire newbalance on XXXX manually. I then tore up the card. My complaint can be satisfactorily addressed by investigating this fraud scheme. This company makes it very difficult to understand if you have successfully set up an automatic payment which I attempt to do and thought I had succeed at doing. Also, my password and user name was stored by XXXX but were not subseqently deemed valid. I could not log back in and don't have time to play silly games. XXXX subsequently make the charges stated above. If this is systemic to all customers it amounts to a fraud scheme.