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

This is a fallow up of the claim XXXX agains XXXX XXXX but this is for PayPal to be forwarded with new complain thanks. 

On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX  ( XXXX and XXXX  ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the PayPal account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXXand XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. For a total of {$19000.00}. Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call PayPal but nobody answered then I call my bank because my debit card was linked to PayPal and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the air I exchange passwords and all XXXX  accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of PayPal with a stupid excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now paypal wants to charge me and the manager of the branch was especific on that I do not have to call PayPal he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute. 
After all this PayPal said that I give my password I guess they do not understand I have my XXXX XXXX stoked and then hack my passwords by the XXXX and on top never make transaccin like giving money like that that will have to be a red flag that I did not make that transactions. They value me like a customer and I think they are on the side of the thief so what I use this businesses if I was the one that is make in a droid he can go to the police and take action why my bank and PayPal not believe what I said is ridiculous. Thanks for your help!
Product: Debt collection

I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 Dear Experian My name is XXXX XXXX. Im writing this letter to whomever it may concern. I have an account on my credit report thats in error and I really need help getting it removed. Ive tried over and over again disputing this account but still cant seem to get it removed. Account number XXXXXXXX XXXX XXXX amount of {$4500.00} opened on XXXXThis Company promised me that I was able to end my lease due to my roof caving in on me and my children. At the time they apartment complex did not have another unit to place me and my family in, in exchange the manager stated that I can just end my lease without penalties. This account has been on my credit since Ive left these apartments. Ive done all that I can to get this removed and Ive had no real help or supporters. Im not just asking for a hand out Im just asking for help, for someone to look into it and see that what Im saying is true. This account is wrongfully on my credit and I really need help with getting this taking off. Please, please help me with this matter. Thanks XXXX XXXX contact number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for deferral yet Im still showing delinquent for those months. They do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

In Accordance with the fair credit reporting act. The list of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer Reporting agencies can make any consumer reports containing any of the following items Of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I opened a XXXX  savings account with Chase when I was in XXXX XXXX. I was a minor and opened the account with my mother. As of last week they told me that they had a history of three accounts being opened in my name and closed without my authorization and without notifying me of these changes.
Product: Credit card or prepaid card

In 2021, I decided to open a XXXX  XXXX, credit card account with efforts to build my credit. Several months into opening my account, I went to XXXX  XXXX for some gardening supplies, o find that my XXXX  XXXX credit card was not in my wallet. Figuring I left the card at home, I asked the cashier if they were able to pull up my account using my social security number or some other means of identification, and when they did, I was told that I had a balance of over {$1800.00} on the card. Immediately, I asked that they shut the card off as we overlooked the charges at the customer service counter. At this time, I realized that my card had been stolen and used. XXXX XXXX told me I needed to contact Fortiva, 2hich is the 3rd party bank, to remedy this. When I did, Fortiva told me I needed to contact XXXX  XXXX. I worked very hard to have this resolved, and eventually, I was told by Fortiva that there would be an investigation. Recently, I looked at my credit report and realized that this card is Delinquent. When I contacted Fortiva back, they told me they no longer had hold of the account since it was closed and there was nothing they could do. Please help.
Product: Bank account or service

Some one stole XXXX dollars out of my Wells Fargo account XXXX XXXX in XXXX, North Carolina. Wells Fargo did not replace the money nor acknowledge my lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a likely victim of the XXXX data breach. The XXXX site says my information " may '' have been compromised. 

Since this breach, I have been trying to place a credit freeze with the three major companies. I was able to do this easily with XXXX and XXXX without any problems. With Transunion, I have been unable to place a freeze after numerous attempts by various mechanisms. 

First I tried online and got an error message that said " We are unable to complete your request. What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. What to do : Please contact us at XXXX XXXX XXXX XXXX to initiate your security freeze transaction by phone. '' Next I called the number above and provided the requested identification information to the automated system. I got an error message saying that my request could not be processed, so I would be transferred to an agent. 

No transfer occurred. I heard a beeping signal and then Transunion hung up on me rather than letting me wait to speak to an agent, or leave any information for an agent to call me back. 

I have tried all of this multiple times. 

I looked on Transunion 's Contact page. No numbers were listed for credit freezes other than the one that did n't work. 

This is completely unacceptable. Transunion must provide a working mechanism ASAP for me and all other customers whose data they hold to initiate a credit freeze.
Product: Student loan

I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXXXXXX  through XX/XX/XXXX I applied online for a loan of {$2000.00} from PNC Bank. I was approved and was told to go to branch and sign loan documents which I did on XXXX XXXX at approximately XXXX. I went to the XXXX XXXX Branch on XXXX XXXX and met with banker XXXX XXXX who produced documents for an unsecured loan and a cashiers check for XXXX XXXX dollars, which was cashed, I then left the bank. On XX/XX/XXXX at approximately XXXX I returned the money for the loan as it was no longer needed to teller XXXX XXXX. I have had many dealings with this teller as she has handled many transactions for me over the years.She asked for my drivers license, and bank card and I gave her the XXXX XXXX and told her to apply it to the loan, which she did. For the next few days there was a XXXX balance on the loan untilXXXX XXXX when I noticed that the bank had put the loan back on. I called the branch and was hung up on three times. I finally reached XXXX XXXX the asst VP told him what happened and he said he would look into it. I was told to wait a couple of days and then it was escalated to executive client relations XXXX XXXX and XXXX XXXX. They kept insinuating that the loan was not paid and I asked them to pull the security tapes which they still have not done for the payoff date of XXXX XXXX. I have consistently been informed that after paying the loan I called in for payoffs ( I Have mobile banking did n0t need to ) XXXX XXXX said that maybe paid something else always story. On XX/XX/XXXXXXXX  i along with my wife went to the branch spoke with the teller XXXX XXXX and asked if she remembered the trans action, she did vividly, the amount, where it was applied and we had a talk about our children and the upcoming school year. I asked if anyone had interviewed her about the missing money and she said I did not even know about it.I then went and spoke with XXXX XXXX and asked if he asked the teller involved about the transaction, he replied I have not talked with anyone.I asked if he could call XXXX XXXX into the office to corrobate my claim and then inform escalations in PNC. He Stated '' It does not work like that. '' It is my opinion that they dont even have the tapes which should be time stamped, and dated. They put the loan back on, refuse to take it off even with a paid in full letter dated XXXX XXXX  from PNC thanking me for paying the loan in full. Please help they are trying to destroy my credit and reputation Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers are on my report are not accurate or current : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and incomplete information that is being reported on my credit report by Experian. This dispute pertains to information that I believe is incorrect and should be promptly investigated and corrected. As a consumer, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681o, which holds credit reporting agencies civilly liable for negligent noncompliance with their duties. 

Upon reviewing my Experian credit report, I have identified the following errors : Regarding the XXXX XXXX XXXX account, I have previously disputed this information, as the claim that this account is mine is unsubstantiated. Both Experian and XXXX XXXX  XXXX have failed to provide clarity on the origin or validity of the data linking me to this account. Despite contacting both entities, neither could provide an explanation as to how or from where this information was derived. Furthermore, I have previously reported this debt when a collection agency contacted me regarding the account. However, after their investigation, the debt was returned to XXXX XXXX XXXX due to the absence of any evidence connecting me to the account. I am unable to supply an account number for this alleged account, as I have no knowledge of its existence. Additionally, I have observed an entry for a loan with XXXX ( XXXX XXXX XXXX ), which was paid off some time ago and had no history of late payments. However, this account is being reported as potentially negative, despite being fully settled. This discrepancy is both illogical and concerning, as it inaccurately reflects the status of the loan. These entries are inaccurate because the XXXX XXXXXXXX XXXX account does not belong to me, and the XXXX personal loan has been settled and paid off, yet the account status is incorrectly reported as negative.

As per 15 U.S.C. 1681o, consumer reporting agencies are required to exercise reasonable care in reporting accurate information and to correct any errors upon notice. If these errors are not corrected or properly investigated within the legal time frame, the agency may be negligently noncompliant with FCRA obligations and may be subject to civil liability. 

I request that you conduct a thorough investigation of the above discrepancies, as required by law, and provide me with an updated copy of my credit report that reflects the corrections. Please ensure that all inaccurate information is properly rectified within the 30-day period mandated by the FCRA. Failure to do so will lead to further legal action for any damages resulting from XXXX negligent noncompliance with the FCRA. 

I expect a response that includes the results of your investigation and a corrected copy of my credit report as soon as possible. Please provide me with the documentation of your findings and ensure that any inaccurate information is removed or corrected. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of my dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charged-off account on my credit report. The account, associated with [ Creditor XX/XX/XXXX Transuione,XX/XX/XXXX ] and listed under account number [ Account Number ], reflects a charge-off of {$11000.00}, which I believe is inaccurate. 

After reviewing my credit report, I noticed that this account is still being reported, despite being charged off. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported on my credit file is accurate, complete, and verifiable. 

I am requesting that you investigate this matter and provide verification of the accuracy of this account. If the account can not be verified or corrected, I ask that it be removed from my credit report immediately. 

To assist with your investigation, I have included the following : A copy of my credit report highlighting the disputed account. 

Any relevant documentation regarding this charge-off. 


Please conduct your investigation and notify me of the outcome within 30 days, as required by law. I appreciate your attention to this matter and look forward to your response. 

Thank you for your prompt attention.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX XXXX Visa Credit Card ) charged me late fees and minimum interest charges on the following dates : {$17.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$35.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), and {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ). The creditor failed to mail me billing statements since XXXX of XXXX. I have attempted to contact the creditor to obtain a refund of all the late fees and minimum interest charges caused by the late fees but the creditor only credited me {$35.00} on XX/XX/XXXX. The creditor must credit me for {$23.00} and remove all negative information they reported to all credit bureaus. Failure to provide the credit and remove the negative information will result in legal action in small claims court. 



Please Note : I have never signed up for electronic statements. I have not been receiving my statements and because of that I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. If Synchrony Bank ( XXXX XXXX Visa Credit Card ) disagrees with this, please provide proof that you sent out the credit card statement for all the periods since XXXX of XXXX and that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/25 Equifax Subject : Dispute of Credit Report Information Dear Sir/Madam , The disputed item is as follows : Account Name : XXXX XXXX XXXX XXXX Inquiries all of them hard Bankruptcy Late payment XXXX XXXX Additional in my credit as well XXXX XXXX Data breach of my information not correct after sending in police reports as well as letters multiple times Nature of Dispute : the item is incorrect ( e.g., incorrect balance, late payment reported, Inquiries Account not mines I am requesting that you investigate this matter and remove or correct the inaccurate entry. Please find enclosed the relevant documentation that supports my claim, including [ any supporting evidence such as bank statements, emails, or a letter from the creditor confirming the error ].

Under the Fair Credit Reporting Act ( FCRA ), I request that this dispute be resolved within 30 days, and that I be provided with a copy of the updated credit report once the investigation is completed.

Thank you for your prompt attention to this matter. I look forward to your response.

Sincerely, XXXX XXXX XXXX Enclosures : Driver License
Product: Credit card

XXXX XXXXs fraudulently overcharged my car over XXXX so I disputed the transaction with chime and this happened in XXXX but it is XXXX now and I still have not received the money back.
Product: Debt collection

This spammer impersonating a representative from American Express is harassing me again, and I don't have any credit cards. I've called The real American Express last month and the phone number XXXX isn't their real phone number, and American Express will never call anybody.And they knew it's a scammer using their name to ruin their reputation by ripping us off when I don't have credit card debt. I don't mess with credit cards. I want this crook arrested.