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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX 2022
Product: Debt collection

On XX/XX/year> a representive begin calling my phone as well as my parents phone and my work phone. This representive was incredibly invasive and unwilling to answer questions. When I asked questions he would state he had the documents but could not verify the details. He was incredibly disrespectful. When asked to call during a appropriate time he was unwilling and asked to call my lawyer. He additionally called my parents and was very invasive claiming my parent needed to pay them for a debt that was not owed by them additionally asking about her job and employment in which he went on to ask very invasive question about how she pays her bills and other such questions not related to the debt in any way. This created a very intense and abusive nature leaving my parent in tears. Additionally this collector also called my employer. This is the very first day I have heard that this account was in collections and to have this many phone calls in XXXX day is absurd additionally when asked for written documents on such accounts there has been none.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has closed my account. Without any reason, neither did we get any kind of mail from the company nor did the company ask for any kind of document from us. The company has permanently banned our account without any mistake. We have no fault in this. Please solve our issue and reopen our account. my this mail id used in paypal -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY COMPANY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUESTS. THIS IS MY SECOND NOTICE I HAVE NOT RECEIVED A RESPONSE FOR THIS ISSUE. PLEASE REVIEW THE ATTACHMENTS. THE INVESTIGATION IS STILL PENDING FROM XXXX XXXX 2022.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit exposing major issues with the platform. Despite frequently using Zelle and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was told that recovering lost funds was not an option and that tracking these transactions was not feasible. The CFPBs findings highlight Zelles failure to protect consumers, allowing repeat offenders to take advantage of the system and leaving users vulnerable to fraud. This lack of oversight and accountability is unacceptable and raises serious concerns about consumer protection.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, Vance & Huffman LLC. Please find attached a Paid Loan Letter from Vance & Huffman LLC, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. Account Details for Reference : - Original Creditor : XXXX XXXX - Collection Agency : Vance & Huffman LLC - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly. I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

After encountering an issue with WePay payment processing services provided by J.P Morgan Chase Bank, the merchant processing service has processed XXXX payments for our business. After 3 days we received notice of payment hold and they ask to provide business documents to verify our business, We provided same documents as the bank already had them for over a year and payment cancellation notice was issued to us and for some reason the funds got held 120 days as they claim. We went to XXXX to check about his company it seems hundreeds of similar complaints are filed with same issue about this WePay business holding funds of hard working honest people. They have B- rating and I am surprised US Government hasn't started some investigations in to this matter so far about Chase Bank and its affiliate WePay services run by Chase Bank . 
This has never happened to us before after so many years in business.We use this company only XXXX time so they don't have anything to justify by closing our account. 
This company seems holding funds for long time possibly earning interest on the money somewhere offshore and scamming American businesses. 
Please start investigating them this is very strange and unusual for such a big bank like Chase ....
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork, as some of the stated accounts are incorrectly reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX I MADE CONTACT WITH CAPITAL ONE NA ABOUT A INQUIRY DONE ON XX/XX/20 I DID NOT AUTHORIZE THIS TRANSACTION, I TRIED CALLING BACK AND GET HUNG UP EVERY IME.
Product: Debt collection

I have a medical debt that is still being reported on my credit line which I do not recognize.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I filed a case with Paypal to return an item purchased on XXXX by XXXX XXXX XXXX XXXX, AL. On XX/XX/XXXX, I received an email saying that the seller was offering a full refund if I returned the item. The item had already been sent back, and the seller received it on XX/XX/XXXX. I sent Paypal the tracking information for this item. It was shipped by XXXX XXXX XXXX XXXX with the PRO ( tracking ) number XXXX. 
On XX/XX/XXXX, Paypal sent me an email saying they had denied my refund because the tracking number was invalid. I went to https : //www.rlcarriers.com/freight/shipping/shipment-tracing, typed in the tracking number, and verified that the item had been sent and delivered. I contacted Paypal about the matter and asked them to call XXXX XXXX XXXX XXXX to verify that the item had been delivered to the seller. Paypal said that they are unable to call the carrier, and that I would need to give them a valid tracking number ( I already explained to them that the tracking number I gave them was valid ). Paypal now refuses to refund the payment despite proof that it had been delivered. I will need to seek counsel from an attorney if I can not receive the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section XXXX ( a ) ( XXXX ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft cause me not to be able to open a bank accounts
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX and I am contacting Discover Bank on behalf off my account # XXXX. It is a secured credit card that is supposed to be helping my credit however it is doing the total opposite in which wasn't proposed to me when this account was opened. There are two late payments for XX/XX/2021, and XX/XX/2021 however this is my own money I put as a deposit on this account so it is impossible to be late on my own $ that I put down as a deposit for this account according to the FCRA and USC laws. Please see the enclosed documentation attached. Also I have autopay enabled there was an payment processing issue on Discovers behalf reason to why the payments never cleared in the first place.
Product: Payday loan, title loan, or personal loan

There is no option to completely pay off a personal loan online. The instructions state to call and there is a phone number provided. I first contacted the institution on XX/XX/19 to pay off my loan. Due to the loan amount XXXX XXXX balance ) I was told they could only accept XXXX limit over the phone. I was also told I could pay the additional principle but only online. The rep stated after that payment cleared XXXX which would take 3-5 business days XXXX, then I would be able to pay off the remainder of the loan. At that time I submitted the additional principle of XXXX. I received a confirmation number. I checked my bank for pending transactions on XX/XX/19 and did not see the principle amount. I could see another regular payment as pending. I contacted the institution with the confirmation number and was told they did not have any pending payments. I again attempted to pay the principle amount online. I received another confirmation number. On XX/XX/19 I received an email from BVVA stating the principle payment was a failed transaction. I immediately confirmed I had more than enough funds in my banking account to cover the amount. I looked online at my BVVA account and there is another regular payment pending. There is no record of the principle payment. Again, I contacted the company and was told they had no record of the principle payment - even though I again supplied them with the confirmation number. The service reo suggested I mail in the payment, which I refuse to do. There are no freestanding locations to physically take the money to pay off my loan. I believe this company is fraudulently not allowing me to pay off my loan in order to receive more interest monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Experian, refused to follow laws set up by the government. Experian says that the information, that does not belong to me, can be verified, but refuses to send the supporting documents to support this claim. This is a request to see the " wet signature '' along with supporting documents to place this infomation on my credit report. By law, Experian must send the customer a copy of the documents used to verify this claim as true. Experian has yet to send any documents to me violating the laws to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the CFPB to hold Equifax accountable for these inaccurate accounts being furnished to my credit report. I have recently sent Equifax the challenge letter attached below. This letter answers any questions they might have and will enable them to delete both of these account swiftly. These inaccurate accounts listed below are causing me unnecessary injury and damages. If Equifax fails to delete these accounts in less than 30 days, I hereby demand they provide me documentation and transcripts via the mail of all correspondence, calls, texts, and emails used to verify this alleged account information. Include proof of any such mailing with my USPS tracking number in response to this complaint.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY FROUP HELPING ME DUE TO HUMAN TRAFFICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU REMOVE AND BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TP SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND DELETED FROM MY CREDIT REPORT! PLEASE DELETE AND BLOCK THE FOLLOWING ACCOUNTS 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 XXXX XXXX disputed over and over again that credit one bank was settled and paid in full. A paid charge off. XXXX  XXXX  nor XXXX who I have written to many many times as well have disputed on line will not correct nor update comments and balance. Its a XXXX balance and comment should say paid charge off or paid and settled for less. I have proof of letters that account was paid. It was originally XXXX XXXX XXXX  account they sold it to XXXX XXXX XXXX. Then XXXX XXXX XXXX told me they sold it to a third party RAZOR CAPITAL. Razor Capital is the collection agency I had to settle and pay charge off of XXXX. Their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This year out of the clear blue I received a letter from Hunter Warfield Inc a debt collector. I have never heard of these folks I have never had a contract with them nor ever gave tne consent to have my personal private information. They are reporting fraudulent information on my credit report and i want it removed.
Product: Credit card or prepaid card

I put in an order through XXXX on XX/XX/2023 AT XXXXXXXX XXXX. 15 minutes later I cancelled but they said it was already being shipped. So they took XXXX, from my credit card. I called my bank and they said it was still pending. There is no way 15, minutes after putting in an order at XXXXXXXX XXXX  they were shipping my order. I cancelled the order at XXXXXXXX XXXX. Their policy is they don't charge you until item ships yet 15 minutes after submitting order they took XXXX from my card. the order number is Order # XXXX. My bank says it still shows as pending but XXXX says it's been cancelled. XXXX policy is you are not charged until items ship, how ever they took XXXX within 15 minutes of placing order before items were shipped. XXXX says it was cancelled but if you look at screenshot 65 it still says pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a XXXX checking account & credit card account was opened in my name when I applied for my account with XXXX XXXX in XX/XX/2019. I then contact Early Warnings Services Im disputing this information. 

XXXX refuse to give me any type of information. When I call to dispute theses accounts no one will speak to me. Everyone I speak to tells me that is been sent over to a team to be worked. No one has contacted me or asked for no type of documents. 

I have been in contact with XXXX XXXX since XX/XX/2019. I have sent identity theft affidavit, police reports, & all of the requested information. 

Early Warning continue to tell me the same thing that XXXX  said the information is accurate & Im responsible. 

I will not be responsible for anything that do not belong to me. Early warning told me to send in a rebuttal statement & they will Re-investigate reinvestigate however I have yet to see any documents of any new information. 

XXXX told Early warning that this said account had direct deposits & etc but I have yet to see who the payee is & company. 

No one is helping me with this matter & this is becoming more then & issue for me. 

I have never had an account ( s ) with XXXX.
Product: Credit card or prepaid card

I applied for an American Express XXXX card in XXXX of 2021. I was approved a short time later and in that same month, received my card. While logging into the application, a subtitle on adding authorized users appeared and how to add authorized users, the value of doing so, and that there were no limits on how many authorized users that you could add. This intrigued me and I begin to add authorized users, all people of my same ethnicity, XXXX. I began adding authorized users, once added, the screen would shift to a confirmation page in which I would get the following message, Thank you! The following Additional Cards are expected to arrive at your primary billing address by ( date inserted by confirmation page, always different ). If all your additional cards have not been received within XXXX weeks, please call XXXX for assistance. It would also list the card type ( XXXX or XXXX, in my case ) and who the card is for. 

After I added around XXXX authorized users, I would notice that sometimes that I would not get an immediate decision and that I would need to call in and verify my identity and then confirm that I was trying to add the person in question, in which I did. This took a turn for the worst once I called in to verify that I was trying to add another authorized user. In XXXX of 2021, I called in to verify my identity, as was the process occasionally for adding authorized users when an immediate decision was not available. Once I spoke with the customer service representative, she confirmed my identity, which is normal. She then proceeds to confirm the person that I was trying to add, a traditional XXXX name. 
She then proceeded to say that I have a lot of authorized users and began to ask to follow up questions like, wow youve added a lot of people in a short time and that you do know that this card doesnt have a limit. She then began to tell me that she is recommending that my account go under investigation, even though I had paid every balance in full each month and that there was no other reason or suspicious spending activity. On XX/XX/2021, I was contacted via email and phone call to submit form XXXX and to inform me that my account was under financial review, during the phone call I asked what could happened during the review process and I informed her that I never had missed a payment and that I pay each balance in full each month. The customer service representative told me that there were different ramification and stated that often they would set a credit limit. After the conversation, I returned the completed form the same day. 
On XX/XX/2021, I was notified via email and voicemail that my account had been closed but they did not provide the reasoning nor information to provide an appeal. It is my belief that my account was closed due to discrimination of race because I added too many XXXX people as authorized users. The effects of this card closure is detrimental to credit score, my XXXX XXXX, and a XXXX  for my financial freedom.