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

I received a direct XXXX message from a family member asking to send a XXXX as she ran out of availability for the day. As we were talking personal things a few minutes before thru XXXX I did not think much of it, and sent {$520.00}. Minutes later I found out that she had been hacked and called my bank immediately. They failed to give me any information on the matter and I had to find the case was closed with little investigation by calling them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Debt collection

on XX/XX/year>XXXX  I sent Spring oaks Capital the following letter : Dear Spring Oaks Capital, I am writing to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, regarding the above-referenced account, which you claim I owe {$570.00} from XXXX XXXX  XXXX I dispute this debt and am requesting that you provide me with the following information : 1. Validation of the Debt o A detailed list of all payments I have made on this account, including dates, amounts, and the method of payment. 
o A copy of the original signed contract or agreement that obligates me to pay this debt. I wish to see the signature that I placed on this document. 
2. Insurance Claims o Any records or documentation of insurance claims that have been made related to this debt, if applicable. 
3. Proof of Ownership and Chain of Title o Documentation that proves you have the legal right to collect on this debt. This includes proof of the chain of title of this debt, from the original creditor to any subsequent owners, and finally to Spring Oaks Capital. 
As you are reporting this item on my credit report, I request that you also provide me with verification that this debt is valid and has not been satisfied by insurance or any other means. 
Please consider this letter a formal dispute of the debt and a request for validation as required by federal law. If you can not provide the requested information, I expect you to cease all collection activities, including reporting this debt to the credit reporting agencies, and remove any negative entries related to this account from my credit report. 
Please provide the requested information within 30 days of your receipt of this letter. If you do not provide adequate verification within the legally required timeframe, I will assume that you are unable to validate the debt and will expect you to remove any related negative information from my credit report. 
The company responded back and sent copies of payments made on the account, which does not prove that I made payments on the account. The company did not provide a copy of the signed contract with my signature of the chain of Title. I sent them a follow letter asking for the information and they stated that my request was duplicate and they will not be responding. The company is refusing to provide me with the documentation. Under the Fair Debt Collection Practices Act I am entitled to proper debt validation, which includes the original signed agreement. 

XXXX is the credit bureau reporting this debt that does not belong to me, I disputed it with them and they are allowing the company to electronically verify the date without providing any documentation that I am asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Product: Credit card or prepaid card

To whom it may concern : As Im writing this letter of complaint with extreme frustration, Im on hold for over XXXX minutes contacting American Express Macys credit card. This is my third request to receive a new credit card without changing the account number. My card was lost in XX/XX/2022. Called in XXXX and have not received the replacement card. Called the second time. There is no one answering your customer service line in a reasonable timely manner. This is awful and horrible business practice and not user friendly. If you automate the replacement card option, do not automatically change the account number for this option. Thats why Im Waiting for a live customer service. Can not wait any longer on the phone which has resulted in me writing this letter. Macys American Express credit card website has no address, has no contact us feature, no phone number available to call. Ive gone on XXXXXXXX to find a message feature to contact America Express directly and nothing. Their system or they dont make your system to be accessible to your customers. The people that give you business and keep you in business. This is so unfair to customers like me who have have had this card for over 7 years. This is not how you treat customers. This is insane, does not make sense, and ludicrous. How do you run a business like this treating your customers like this? 

If I close an account that Ive had for over 10 years, it will cause my credit score to go down. The credit card company has a hold on the consumer so they dont have to make their process easier for their customers. 

Also, high school students can do this job and process customer service calls and that has minimal cost to a company like this and that would make it easier for their customers. This would make huge difference for customers to have more assistance available. 

They really dont care about the little guys, their customers like me. That is what this demonstrates. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I called the company and they agreed to remove the account if I paid the amount that was settled for and its still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

1 ) XXXX XXXX XXXXXXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions 2 ) XXXX XXXX XXXX XXXX - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed XXXX ) XXXX XXXX XXXX XXXX -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


4 ) Citi AA Advantage Card - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments 5 ) XXXX XXXX Account - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor. 
- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

6 ) Amex Platinum Card - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Money transfers

Good Day to whom it may concern, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business one of your largest competitors that I am no longer in need of PayPal 's services. 

I have been made aware that the limitation on the account can not be appealed. Although I disagree with the decision to close my account to future business I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the attorney general of California, as well as the DBO of California in order for them to mediate and decide whether this practice is acceptable in my specific case. Additionally, i am not satisfied with the current response to hold my interest bearing money for 180 days solely at the discretion and best interest of Paypal for monetary benefit and security purposes. 

I understand PayPal 's need for holding funds for credit card chargeback purposes, however due to the sheer amount of customers compared to the rate of claims I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$500.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. 

Should you remain to not release my cleared funds, please provide to me a lawful reason that allows you to hold my money for 180days? I do not wish to wait 180 days nor is this a reasonable amount of time to continue to operate a business in the same manner with cashflow disrupted due to gross negligence and lack of information regarding limitations. Proof of past gross negligence can be seen in XXXX PayPal Inc., XXXX XXXX. XXXX XXXX XXXX XXXX XXXX California XXXX where Plaintiffs allege that PayPal improperly handled disputed transactions on PayPal accounts and improperly placed holds and reserves on accounts or closed or suspended accounts. 

Section 1841 of the state 's Money Transmission Act reads : " Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. '' I am mindful of the Civil Procedure Rules and am seeking a mutually satisfactory settlement of this issue. As a result, I am informing you of my willingness to cooperate in voluntary, non-binding and confidential mediation.
Product: Credit reporting or other personal consumer reports

I have contacted each company on my XXXX XXXX XXXX bureau. There are inquires and accounts that don't belong to me. I was told by each bureau that the inquires/acct. that they were unable to remove to call the company directly. Each company advised me that I didn't have an account with them and unfortunately they could not supply me with a letter to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. 
( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following INQUIRIES be verified or removed immediately. 

The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 


15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. Also, my student loans are no longer with Nelnet and should no longer be doubly reported on my credit report. 
Upon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Financial institution ( XXXX  XXXX XXXX ) filed a report with chexsystems reporting my Business account for suspected fraud, XXXX  XXXX XXXX has since closed my account, Including a savings account I held in the bank for over 15years I disputed the information and Chexsystems carried out an investigation and the Financial Institution claimed to verify the information without contacting me or launching any investigations. 

Seeing that i was up against institutional collusion, I realized my only recourse to putting my side of the story out there is ADDING A STATEMENT TO MY FILE on Chexsystems. 

I sent Chexsystems a statement which was added to my file ( SEE attachment 1. ) A few days later i got a letter from Chexsystems stating an error and CHANGING my statement ( SEE attachment 2 ) The statement in ATTACHMENT 2 belongs to Chexsystems NOT me and it represents a BRAZEN denial of my FIRST AMENDMENT RIGHTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had cashed 2 checks for my co workers that didnt have an ID around XX/XX/XXXX after doing that chase closed my account for fraud and that I needed to bring the 3 party payees with 2 forms of IDs. They werent able to do that right away the process for them to get a passport and an ID from their home country took 8 months. I was able to verify one guy in XXXX of XXXX and they told me I just needed the next guy to come in and they day he did around XX/XX/XXXX they told me they couldnt verify through this same process because they changed policy. So they suggested through their phone number through their system and still it didnt work. They wont release and funds even after the other payees opened a bank account
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern