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

On XX/XX/2023, I discovered at least {$650.00} in fraudulent transactions on my PayPal account, all from XXXX merchants, XXXX and XXXX. I rarely use PayPal anymore because I have had thousands of dollars stolen from me in this due to fraudulent XXXX charges for purchases " in-game. '' They have never refunded me a dollar of money from XXXX. I was shocked to receive {$460.00} in provisional credit from them. PayPal was not the only XXXX of my financial institutions where there was fraud. It was spread across every credit and debit card I owned starting in XX/XX/2023. I received a phone call last week from Paypal or a Paypal collection agency trying to collect a " debt '' of {$170.00} that I owed on my account. I was reasonably shocked since all of my fraudulent charges came via my PayPal debit card, and I had not even received a new card until XXXX and a XXXX weeks ago. I have not involved Paypal in any financial dealings since the massive fraud was committed. I went online and found that of the {$460.00} in provisional credit I was given, they had " reversed '' the refund of {$200.00}. No reason was given, and there is no way to appeal. I have attached a page showing that PayPal states " Refund Reversal '' and an amount. No other information, including the transaction date, company name, etc., is listed. After doing independent research, I realized all these charges were from XXXX. More alarming is that they still have XXXX XXXX cases OPEN, for which I was given provisional credit of {$250.00}. 
I have a funny feeling things are not going my way. Upon checking every dispute, I found {$55.00} ( all XXXX fraud ) that were summarily dismissed as " authorized transactions. '' I never received any credit for these items. I have received permanent acclaim for {$130.00}. {$82.00} of that amount comes from XXXX, where all transactions were taken to be fraudulent. Another {$48.00} comes from XXXX. Every claim, except for XXXX, is for amounts under {$4.00}. Strangely, many days are in common between the XXXX items that were dismissed, those initially given credit and then found to be authorized, and the outstanding matters. 
For example, on XX/XX/2023, an XXXX charge for {$2.00} was found unauthorized and refunded. And on XX/XX/2023, another XXXX charge for {$4.00} was similarly refunded. On XX/XX/2023, another fraudulent XXXX claim for {$16.00} was first reimbursed and then reversed on XX/XX/2023. Notice anything funny about this transaction besides, oh, maybe the amount of money in dispute. Also, all summarily dismissed claims happened on XX/XX/2023, and XX/XX/2023. I'm not sure how one can dismiss claims the day before and the day of my reporting of fraud. I have attached examples of the different types of emails received.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to REGION/XXXX  XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Mortgage

I escrow my taxes and insurance specifically so I don't have to worry about them being paid at the end of the year. My lender is JPMorgan Chase Bank. This year they did not pay my home insurance and it lapsed. Once I was notified of this I had to find a new insurance. At this point 12 days had already gone by. Then I received a letter that Chase was going to charge me {$900.00} for the 12 days of lapsed coverage.. I called on XXXX separate occasions, each XXXX weeks apart to speak to someone who said the filed a request to waive this. Each time I was told I would be called back within 10 days ( no one ever called me back ). I tried to get insurance for the 12 days on my own but no insurance company would insure me for past days. The whole situation is ridiculous because no insurance company would pay out anything anyways if I filed a claim and said it happened within those 12 days. This is completely the fault of my mortgage company who failed to do what they were supposed to do with my escrow money. They collect all the interest on me prepaying my escrow and then they never paid the insurance company and they take it out of my account as a penalty afterwards. I feel like my mortgage lender is bullying me.
Product: Credit reporting or other personal consumer reports

This account is listed as a charge off but when I requested a 1099C form it was not sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX, XXXX XXXX XXXXXXXX, CREDIT ACCEPTANCE CORP and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 checked my credit report with out authorization XXXX checked my credit report on XX/XX/2023 with out my authorization Please delete these inquiries
Product: Debt collection

I am writing to dispute the accuracy of an account that has been placed on my credit report. On XX/XX/XXXX, I was notified of a new account listed on my credit report that I do not recognize. The account was associated with Professional Debt Mediation , Inc a debt collector and a claimed amount of {$7100.00} that is unfamiliar to me. 

Upon investigation, I immediately disputed the account and sent a validation letter to the collection agency. On or around XX/XX/XXXX, I received a response indicating that they are a third-party collection company acting on behalf of their client, XXXX XXXX. They also provided an outdated and fraudulent ledger claiming a total amount of {$7100.00} for rent and repairs. 

I would like to bring to your attention that the company, XXXX XXXX, and I had already resolved this matter through a court judgment entered on XX/XX/XXXX. The judgment determined that I owed {$3600.00}, which I paid in full on XX/XX/XXXX. I heard nothing back and thought everything was ok, until I received the credit notification 9 months later. Therefore, the amount listed on my credit report is not only incorrect but also constitutes fraudulent activity and extortion. 

This false account is damaging my credit and reputation, and I request that it be removed immediately from all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I live in XXXX XXXX. I sold a very rare collectable Military XXXX Wrist Watch on XXXX for {$3000.00} XXXX on the XX/XX/2020 to a person named XXXX XXXX who lives in XXXX XXXX. I posted the item via XXXX XXXX XXXX XXXX to the buyer on the XXXX of XXXX After 1 week the buyer contacted me on XXXX messenger and asked me for a refund. She claimed that she had not received the item. However, XXXX XXXX tracking parcel showed that the item had successfully been delivered to the buyer. 

Beginning of XXXX PayPal contacted me regarding an open case in Resolution Centre that the buyer has claimed to her bank that she did not receive the item ; therefore her bank refunded her money. Then, PayPal withdrew the money from my PayPal account {$3000.00} and asked me to deposit the deducted amount. I contacted XXXX XXXX regarding this issue and I requested XXXX XXXX  to provide me a photograph document from XXXX XXXX that is indicating the buyers signature, her name and her address. The document clearly shows the buyers signature, her name and her residential address which she successfully received the parcel on the XXXX of XXXX at XXXX am. 

Afterwards, I emailed the America XXXX  document to PayPal Help Centre Seller Protection a few times. Unfortunately, I have not received any response regarding my email yet. I am constantly receiving emails and phone calls from PayPal financial department regarding my negative PayPal account. PayPal now has transferred this case to a debt collector company in XXXX. 

This is my PayPal case information ; Resolution centre Case No : XXXX Transaction ID : XXXX Buyers name : XXXX XXXX ( XXXX ) Items value : {$3000.00} Military XXXX wrist watch Date of purchase : XX/XX/2020
Product: Credit card or prepaid card

The NORDSTROM with account number XXXX appears to be a charge-off account with a specific balance of {$2300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter today from XXXX XXXX XXXX saying I had signed up for a credit card and it wasn't approved. I never applied for this credit card. Now I have a hard inquiry on my credit card report.
Product: Credit reporting or other personal consumer reports

15 USC 1681b / 15 USC 1681c-2, 15USC 1666b, XXXX XXXX  XXXX XXXX 15USC 1666b XXXX XXXX 15USC 1666b XXXX XXXX XXXX 15USC 1666b XXXX 15USC 1666b incorrect information on reports stating Paid in settlement this account was paid in full XXXX - -15USC 1666b
Product: Credit card or prepaid card

Wells Fargo put a lock on our XXXX  card and refused to give us a reason as to why. I understand an account can be closed for any reason a bank choses but to not give us a reason after being a good customer for 5 years, never a late payment, and to eventually close the account and send it to the " deceased '' dept is totally unacceptable customer service by the fraud dept. 
Due to a stolen check at another bank, I had to have my checking acct closed and re-opened with a new number. Caught in the changeover was my XXXX  payment ( {$2500.00} ) so a check got returned to my bank. As soon as I discovered this, I called WF and explained the situation and made payment directly from my new account. The pymt was received before the due date. Then my card was locked. Numerous attempts to try to find out why were never answered. They asked for another pymt and proof the pymt cleared and said they would lift the restriction, but when I complied with their request, they still would not unlock. I told them I would probably close the account and was told, they were " thinking about closing it anyway '' ( no reason given ) and the next I knew I was reported as " deceased '' on XX/XX/23. This might have caused numerous complications in our lives had I not been on top of this. Don't they need some kind of proof before declaring someone deceased? 
I feel it was vindictive on the part of the fraud mgmt ( but I have no proof ) other than the was they spoke with me on the phone. Customer service was beyond horrible in the fraud dept. If you pay your bill in full and are never late and take the cash back they offered, apparently they don't want your business.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion and the XXXX XXXX furnisher for inaccurately reporting late payments on my Auto Loan account with account number XXXX This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an item on my credit report that does not belong to me
Product: Debt collection

LINEBARGER GOGGAN & SAMPSOM, LLP - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Tel # : XXXX This debt is from the XXXX XXXX Red light Signal infraction ticket from a rental car ( XXXX ) that rented in my name while my car was been fixed. Car was being driven at the time by my wife when the infraction occurred. The photo from the ticket shows her clearly driving the car and I wasn't in the vehicle. When the ticket I arrived, filled out the information letting the agency know that it wasn't me driving the car and included all the relevant information of my wife ( DL # ). She has since taken care of the issue and have the court dismiss the ticket. I am however receiving harassing letters and they have refused to go back to their client and verify the dismissal of the said ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an alleged charge-off debt that is not mine. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I want to clarify my first and last name, my current address and my full- time Job. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Recently I looked at copy of my credit report and noticed several inaccuracies in my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to endurance accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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

I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep updating this debt a valid when XXXX or Transunion has NOT properly validated this debt per FCRA. On XXXX XXXX I sent XXXX a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. XXXX mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information XXXX sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. XXXX is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know XXXX did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex ( XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that TVO was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID XXXX PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I have proof that I was residing at another apartment complex during this time.