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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.
Product: Credit card or prepaid card

On XX/XX/20, the following purchases were made : Carpet in the amount of {$2300.00} Flooring in the amount of {$1100.00} Total amount of purchase = {$4200.00} According to the sales contract/agreement, work was to commence within 20 days from the date of the contract, under XX/XX/XXXXState Law, which would have been XX/XX/20. As of this date, XX/XX/20, I have a statement with a payment due for both of these items and no clear indication when they will be received or when work is scheduled to begin. I have made several attempts in order to obtain a clear answer and I have not received any clarification. 
On XX/XX/20, I was told that the carpet was backordered and they had no idea when it would be delivered and there was no way to contact the vendor to find out when it would be delivered ; then I was told it would be delivered the week of XX/XX/20 ; then I was told the vinyl was in and a partial portion of the job could be started ; then I was told the vinyl was not in ; then I was told it could be XXXX ; then I was told maybe XXXX ; then I was told that due to COVID, they did not know ; then all would be delivered XX/XX/20. I requested a refund and was told that the time for cancellation had passed. I asked to speak to the store manager and was referred to the assistant manager who informed me that there were no updated notes and when asking for a refund, I was also told that it was too late.
Product: Debt collection

After verification process the outstanding balance on credit card is not valid and is miscellaneous debt. Credit card issued by the Wells Fargo bank was not sign in order to ensure that the business upholds and maintain security as promised in consumer Contract. In clear violation of consumer privacy acts. Without a signature verified on back of credit card, credit card can only be used by business as a form of identification. Stating otherwise will result in perjury. Risk factors and discrimination for at risk status. False and defamatory available if necessary.
Product: Credit card

I want to share my serious concerns about deceptive practices at XXXX XXXX XXXX. On XX/XX/, I had a routine check-up that left me feeling scammed and deeply disappointed. 

During the appointment, I was told I needed a costly XXXX XXXX  and XXXX XXXX, totaling {$3000.00}, with an additional {$7000.00} for a new XXXX. When I inquired about having the XXXX XXXX without the expensive XXXX XXXX, I was told it wasn't possible. I explained that I couldn't afford the XXXX XXXX, and the representative, XXXX, offered financing options to cover it. I specifically mentioned my concern about credit inquiries negatively affecting my score and asked if this would result in a hard credit pull. XXXX assured me it was only a pre-approval check and wouldn't impact my credit score. Trusting her, I proceeded with the application, which was approved at {$78.00} per month. 

However, I later discovered that XXXX had opened a credit card in my name without my consent with {$3000.00} limit, resulting in a hard credit inquiry. When I confronted her about this breach of trust, she showed no remorse. The dentist 's initial claim of {$7000.00} for a single XXXX  XXXX  seemed outrageously excessive, raising ethical concerns. 

Feeling deeply upset and deceived, I sought another dentist who offered the same procedure, including the XXXX XXXX, for only {$900.00}. The stark difference in pricing left me questioning the ethics of XXXX XXXX XXXX. 

To compound my distress, the unauthorized hard credit pull caused a significant XXXX drop in my credit score, lowering it to XXXX. Although I followed the dentist office 's advice to contact CareCredit to report fraud, they only rectified the credit card issue after a considerable effort on my part. My credit score has since recovered to the high XXXX. 

In summary, my experience at this dental office was marred by high-pressure tactics, unauthorized financial actions, and excessive pricing. I strongly urge anyone considering this establishment to carefully research their options and be vigilant against unethical practices that can lead to financial harm and emotional distress.
Product: Debt collection

This complaint stems from a fraud/hacked account case with PayPal. On XX/XX/2019, I received an email written in XXXX from Paypal confirming my request to transfer {$1000.00} from my bank account to my PayPal account. As I did not do this, I immediately contacted PayPal to cite the fraudulent transfer ; the email I was directed to contact for potential fraud cases was XXXX '. After contacting them, I was ensured a case was opened to look into my fraud request. A couple days later I saw {$1000.00} was withdrawn from my bank account. Paypal then refunded the {$1000.00} and froze my account and I thought the episode was over. 

A few weeks later I started getting emails from Paypal requesting I pay {$1000.00} because my PayPal account had a - {$1000.00} balance. When they finally called, I explained that a fraud case had been opened ( I provided the case number ) because {$1000.00} had been taken from my bank account but that it appeared to have been resolved and PayPal said ok. 

About 2 months later, starting in late XXXX/early XXXX, I started getting calls from unlisted numbers. A voicemail was left from someone saying they represented XXXX, XXXX XXXX XXXX XXXX, and they were calling to collect an {$1000.00} debt I owed to PayPal. After reading about debt scams, I waited until I received a letter in the mail to confirm this was a legitimate company. I finally received a letter on XX/XX/XXXX asking I pay a debt for PayPal. XXXX called again and this time I informed them that I owed no debt and explained the fraud case I had with PayPal. I let them know I was filing a complaint with the FTC and they asked me for all of the proof of my fraud case. As I do not trust this company, I said no and I was giving it all directly to the FTC. 

Ultimately, I am not sure who exactly is at fault between XXXX and PayPal, but due to the months of harassment over {$1000.00} I do not owe because my PayPal account was hacked, I am filing a complaint. I have screenshots of all my email correspondence with PayPal as well as my bank statement showing the money withdrawn from my bank account and being refunded. I also have a timeline of events : XX/XX/XXXX - unauthorized transfer request, complaint filed. 
XX/XX/XXXX - case opened, {$1000.00} withdrawn from personal bank account into PayPal account. 
XX/XX/XXXX - Paypal refunds {$1000.00}. 
XXXX XXXX - password to PayPal account changed, account frozen. 
XX/XX/XXXX - negative PayPal balance reported. 
XX/XX/XXXX - negativePayPal balance reported, call with PayPal to resolve issue. 
XX/XX/XXXX - negative PayPal balance reported. XXXX XXXX - Calls from XXXX started, requesting debt of {$1000.00}. 
XX/XX/XXXX - letter received from XXXX requesting {$1000.00}. 
Today - filing complaint. 

As I never authorized any transfer of funds and had an account compromised, I feel my time continues to be wasted by requesting a debt I never owed. I would like the CFPB to inform XXXX to stop harassing me about this debt. I am happy to provide any evidence necessary to the CFPB to back up my account or speak on the phone. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX  XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Student loan

In XXXX, I consolidated subsidized student loan into a XXXX consolidation loan with Sallie Mae, now doing business as Navient. During the time of the consolidation, I was not advised that if I consolidate a XXXX loan, I would lose all the benefits of a subsidized loan program provided by the government. 

I later found out that given that the XXXX loan at the time was approximately $ XXXX and the reminder of the loan was approximately $ XXXX, it would benefit me to remove the XXXX loan. The servicer refused my requests, to cancel the loan consolidation. 

In XXXX, I became a single parent and began to suffer financial hardship. Since I was parent with a XXXX XXXX XXXX and could barely make it, I was hoping furthering my education would help me to secure a better job and improve my financial situation. I went back to school under the school deferment, during that time Sallie Mae ( Navient ) lead me that the interest would not capitalize. After my graduation, to my shock, the servicer had capitalized approximately $ XXXX in interest. What is even more shocking is during that time Sallie Mae ( Navient ) never sent me a notice, showing how much I owed until after graduation. Imagine my shock after learning $ XXXX had almost doubled. I formerly disputed this issue and sent letter to XXXX for assistance, but the matter was not resolved. Again, the servicer deceived me. 

During the life of this loan Sallie Mae ( Navient ), instead of informing me of the XXXX program they, suggested forbearance until I max out my forbearance time. 

Now, over 25 years, I have made payment under the XXXX programs. Today my daughter has graduated college and I am still burden with this debt that has more than tripled ( a loan of $ XXXX is now $ XXXX ). 

The servicer also told me that after 25 years my student loan balance would be forgiven. I called a few weeks ago when I heard about the student loan debt relief program, and the servicer told me that my loan should be forgiven. When I called back a week later inquiring about the forms to be submitted for forgiveness, I was told by another agent that they could not be forgiven. All my research indicates that my loan is eligible for forgiveness after 25 years. 

On XX/XX/XXXX, I uploaded a letter to Navient requesting student loan forgiveness or the reasons for refusal. That letter was removed from my history of submitted forms. I have since forward this request in writing to the servicer. 

Please assist me in resolving this matter.
Product: Debt collection

Buckles & Buckles and XXXX. I was in hospital during covid. My wife talked to XXXX  because of their continual phone calls. My wife asked XXXX to quit calling our phone on a daily basis as I was in the hospital she couldnt visit and the doctors were calling her on our home phone daily with staff of 5 specialists to give permission for procedures required to save my life. 
During the time since XXXX XXXX the following documents with headier ; State of XXXX XXXX XXXX XXXX XXXX XXXX signed only by associates, 4 summons received Alternative service by certified mail, XX/XX/XXXX XXXX inches of XXXX documents that I cant read, seperate XX/XX/XXXX XXXX pages support of motion document, XX/XX/XXXX plan of motion for summary disposition and judgment complaint, XX/XX/XXXX proof of service, XX/XX/XXXX no date court breach contract, XX/XX/XXXX notice of hearing date to be set by XXXX XXXX XXXX XXXX 
I sent a letter in response to Buckles and Buckles and to the XXXX XXXX XXXX XXXX next Day received on XX/XX/XXXX to no avail. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no money, only income SS, XXXX Etc. I was intimidated harassed, Buckles & Buckles misrepresented themselves as state of Michigan courts excessive documents but they are a debt collector trying to collect a DISPUTED debt by me in writing. documents received are purposely meant to intimidate, fear, and wife at home during lock down State of XXXX. last document received May no date a Judgment civil State XXXX XXXX XXXX XXXX XXXX. Hearing XX/XX/XXXX XXXX ORDER OF JUDGEMENT, summary disposition, the amount and 13 % interest accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  {$1100.00} on XX/XX/XXXX 4.  XXXX XXXX  - {$4100.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not gotten an up to date report showing information has been corrected by Equifax. Nor have I gotten a free credit score showing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX & XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Vehicle loan or lease

XXXX of a used XXXX XXXX XXXX XXXX XXXX XXXX with roughly XXXX miles purchased of XXXX I got approved for a loan and had to use a ssi to apply and have to pay the lender on a higher rate with already paid money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> S.S.N XXXX I am contacting you about the compromising of my Social Security number. I am a victim of a data breach/identity theft. I contacted the federal trade commission And my FTC reference # XXXX Please block and remove all information from my credit report and send me an updated copy of the credit report. My situation has been heart breaking and a burden. And Im asking for your help if you could remove these from my account.

Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within four business days of receiving the complaint. 

1. Definition of character 2. Neglect enhancement of identity fraud 3. Violation under 15 U.S code 1681o 4. Violation under 15 U.S 1681n ( b ) 5. Violation of the federal credit reporting act 6. Failure to comply with 15 USC 1692 ( g ) 7. Violation under code 15 U.S Code 1681b permissible purpose of consumer reports.

8. Violation under 15 USC 1681 a ( 4 ) right to privacy 9. Violation under 15 U.S code 1681c requirements relating to consumer reports Unauthorized Accounts Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  Account # XXXX Unauthorized Inquiries Account name : XXXX XXXX  Account name : XXXX XXXX Account name XXXX XXXX Account name : XXXX XXXX XXXX. 

These accounts have violated my right. 
Please remove all negative accounts in 4 business days. Thank you for your patience
Product: Bank account or service

Wells Fargo has done this so many times, I ca n't believe it is legal, I told them, i know it is illegal on personal accounts, but on business accounts, there seems to be no regulations, they even tell me that i can not make it so it does not OD when using my Debit card. XXXX Attached is just one example of how they move things, the XXXX charge was made in XXXX az, the XXXX charges, small, were made in XXXX AZ, a XXXX drive, there was at least 6 hrs difference in the small transactions, I 'm not sure if they did a XXXX fee on their XXXX fee for using a non WF ATM ... ... ... ... They need another investigation as this is just crazy, they also, have for the last couple months, holding my checks up to 7 days, and sense i got past the 30 day mark, they have never held a check, unless there was a real reason, as really large or from XXXX, now they give all kinds of reasons as to why they hold them, in person they just say that its because it is from a different bank, well for the past 2 years that did not make a difference, then online, it will give different reasons, the last one was held, and they put that the endorsement was different, even though it is the same as it has been for 2 years, the one before that they held it saying that the deposits have been different ... ... WHAT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for 3 XXXX scores on XXXX  but wont display XXXX  or equifax due to a problem with equifax