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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification, Right to Privacy, and Immediate Deletion of Reinserted Charge-Off Account To Whom It May Concern, I am writing to formally request the method of verification for a charge-off account that has been reinserted into my credit report with an altered status. This reinsertion may violate the Fair Credit Reporting Act ( FCRA ) if proper procedures were not followed, including my right to privacy under 15 U.S.C. 1681b, which limits the permissible purposes for accessing and reporting consumer information. 
The account in question is as follows : Creditor Name XXXX XXXX XXXX XXXX Account Number ( or last four digits ) : XXXX Date of Reinsertion : XX/XX/scrub>XXXX  Violation of FCRA and Right to Privacy As per the FCRA, specifically Section 611 ( a ) ( 5 ) ( B ), any information that has been previously deleted from a credit report and subsequently reinserted must be reverified for accuracy, and the consumer must be notified in writing within five business days. Furthermore, under 15 U.S.C. 1681b, consumer information can only be accessed, reported, or disclosed for permissible purposes. If this account has been reported or reinserted without proper verification or a permissible purpose, it constitutes a violation of my privacy rights. 
To address this matter, I demand that Experian : XXXX. Provide the method of verification used to reinsert the account, including : The name of the person or business that verified the account information. 
The method used to verify the accuracy of the account details. 
All supporting documentation submitted by the creditor to validate the accounts accuracy. 

XXXX. Confirm that the reinsertion of this account complies with 15 U.S.C. 1681b and provide documentation proving that the reporting was conducted for a permissible purpose. 
XXXX. If proper verification and permissible purpose can not be established, immediately and permanently delete the account from my credit report.

Action Required This inaccurate and potentially unlawful reporting is causing harm to my credit profile and infringing on my federally protected rights. Failure to address this issue promptly will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursuing legal remedies under the FCRA for damages caused by this violation. 
Please provide the requested information or confirm the permanent deletion of this account in writing within 30 days of receipt of this letter. Failure to respond within this timeframe will be considered a breach of your obligations under federal law. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent {$500.00} to XXXX XXXX via PayPal. {$510.00} was deducted to cover administrative fees. I never received the services and found out this was a fraud. I've tried to resolve it with PayPal, but they say because it's not for physical products, there is nothing that they can do. The recipient 's email is XXXX I've sent numerous emails asking for a full refund including the {$19.00} administrative fees and he has not responded. I can't believe PayPal supports fraud. I've also contacted XXXX XXXX XXXX XXXX which is the bank account that is linked to my PayPal, but they say they can't do anything because it's a PayPal transaction.
Product: Bank account or service

This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.
Product: Credit reporting or other personal consumer reports

I am writing to provide ongoing updates and express my deepening concerns regarding the inaccurate payment history reporting by XXXX XXXX . Despite my continuous efforts and the involvement of Experian, the issues persist, and the impact on my credit report has worsened. 

XXXX is currently in litigation with me, further highlighting their failure to rectify the situation. As previously mentioned, XXXX has not only continued to report inaccuracies in my payment history but has also removed positive payment history entries. Additionally, they have disregarded my legitimate loan deferment requests. These actions have exacerbated the negative effects on my credit score and overall financial situation. 

I have been in communication with XXXX XXXX at the CFPB via email, keeping him informed of the ongoing situation. Despite my disputes with the credit bureaus, the inaccuracies in XXXX 's reporting persist. The removal of positive payment history entries and the reporting of inaccurate information are severely affecting my creditworthiness. 

I kindly urge the Consumer Financial Protection Bureau to escalate its investigation into XXXX XXXX, focusing on the continued violations of the Fair Credit Reporting Act and their refusal to address these issues appropriately. Additionally, I request that you coordinate efforts with XXXX XXXX at the CFPB, who is currently handling the litigation against XXXX, to ensure a comprehensive resolution. 

I have attached updated documentation supporting my claims, including evidence of the removal of positive payment history entries, loan deferment requests, and the ongoing inaccurate reporting to the credit bureaus. 

Your continued assistance in this matter is greatly appreciated, and I look forward to a swift resolution that restores accurate credit reporting and safeguards consumers ' financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a police report, along with court documentation to Trans Union to request removal of several unauthorized inquiries and an account that continues to report improperly. Despite submitting a police report, court documentation and having been a victim to several data breeches ; Trans Union has responded with a letter stating that they have placed a fraud alert, yet denies that my complaints of the inquiries and account are valid without ANY PROOF to substantiate their refusal to properly report items on my credit report.
Product: Debt collection

This is the second complaint I am filing. The first investigation that I filed with you was a fail, you provided me nothing but bogus information from " XXXX XXXX ''. I tried taking matters into my own hands and called " KEY BANK '' directly. The man I spoke to had a hard time finding me, he asked for my SSN and full name to attempt to locate " my account '' he said my DOB, SSN and name or email did NOT match what he had in the system and asked me to update my information. I told him there was a mistake and that I would not update any of that information since its obvious im not the person responsible for the debt. My wife tried to talk to him and asked him if he can transfer our call to the ID Theft department or if we can fill out the proper paperwork for that. He told us he could NOT help us since the information did not match. This is unbelievable. On my credit report it shows that I was Authorized, I never agreed to be authorized nor did i even know I was until I pulled my credit. I filed a police report. I don't know what else to do since im limited with Key Bank due to the inaccurate information and they don't even want to escalate the call since my information does not match their records.
Product: Debt collection

I have no idea what this account this. I don't owe them any money.
Product: Debt or credit management

So I checked my credit report and it is with I see systems. It says the count opened XXXX months ago and it is with media com.I called I c systems, and they told me they didn't have an account under my name, but it's on my credit report that they have one. So I need it took in off. I have never used the internet company. And I have lived in XXXX, XXXX for the past XXXX years.And the amount is XXXX XXXX and XXXX XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Credit card

I applied for the XXXXXXXX XXXX XXXX  in XXXX. In that XXXX I was given XXXX status, but to keep that status I had to meet one of two criteria by the end of XXXX. The first was to sign up for a JetBlue credit card, and the second was to have six tiles or more. I opted for the tile match as I had five tiles already. I purchased the sixth tile on XX/XX/XXXX, giving me the six tiles I needed to extend my XXXX status throughout XXXX. When XXXX came, I noticed I no longer had XXXX status. I called Jetblue and spoke to numerous agents who gave me different reasons why my status was removed. They couldn't look at the specifics because only the loyalty team can do so, and they don't have a number. The agents have made several requests, but no one from the ; loyalty team has rectified the issue.
Product: Credit reporting or other personal consumer reports

After filing my initial complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, under ID XXXX, I have finally obtained a copy of the 1099-C form for debt cancellation generated by XXXX XXXX  in XXXX XXXX Despite the issuance of the 1099-C form, XXXX XXXX  has persistently reported the account as a Charge-Off to credit reporting agencies. It is imperative to note that once a 1099-C, Cancellation of Debt form has been issued, the debt can not be classified as charge-off. This is because the issuance of the 1099-C indicates that the creditor has canceled or forgiven the debt, recognizing it as uncollectible. Reporting it as a charge-off after issuing a 1099-C would be inaccurate and misleading. Additionally, the cancelled debt may be considered as income for tax purposes, further emphasizing the importance of accurately reflecting the cancellation of debt reporting. Therefore, it is necessary to rectify this discrepancy promptly. I kindly request that the credit report be updated and corrected to align with IRS Publication 4681 and Publication 605 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I ordered a product from merchant XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX via XXXX. After a few weeks the merchant sent an email saying they were moving their warehouse and orders would take longer. I waited a few more weeks and made XXXX monthly payments to XXXX. The merchant never sent it the order. I tried following up with them numerous times via website, email, and instagram but never received a response. I filed a complaint with XXXX but they said it was out of the time they give for refunds for such situations. I stopped paying the loan. On XX/XX/XXXX the merchant resumed posting on instagram. I sent a message about my order. They said they initially tried to cancel the order with XXXX but for some reason it didn't go through and that they would contact XXXX and try to remedy the problem. On XX/XX/XXXX XXXX corrected the loan in my account with a letter stating that I was never responsible for the loan and refunded my XXXX payments. Experian still shows me as having this loan as and that I still owe a balance. I disputed it multiple times but they say XXXX 's records show the information as correct. I complained to XXXX and they claim that because the loan was charged off they can not make any changes to the information. So even though according to XXXX  's own records and the letter they sent to me which I submitted to Experian, I DO NOT OWE this money and was NEVER RESPONSIBLE for it because it was supposed to be canceled, Experian refuses to remove it or at least correct the amount owed to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed hard inquiries that I did n't authorize and am repeatedly told to contact the credit agencies to have them removed, but in doing so the creditors have stated that my dispute is with Transunion not them as they do n't have any records showing that I applied for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XX/XX/XXXX and XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Product: Money transfer, virtual currency, or money service

I was waiting for a refrigerator repairman and received a text saying that in order for him to come I needed to send {$50.00} deposit. I knew this was unusual but I was desperate as I was waiting XXXX weeks for this without a working fridge. 
I sent it and immediately realized it was a scam. I unfunded it and immediately called Venmo. They didnt care. They said they would rescind the transaction or close the scammers account. 
They said I must pay the scammer. 
I have refused and wont use their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One credit report that reported a late in 2018. I disputed it with them and the credit bureaus and they all changed everything incorrectly. XXXX actually deleted the entire account from my credit report at all. XXXX actually deleted as well and when I told them the account was still active, they pulled it back up with showing one late on XX/XX/2018. XXXX verified and said there is a late on XX/XX/18. All bureaus are completely inaccurate. Capital One keeps giving different information and now all bureaus are reporting differently and no one has been any help in getting this corrected. I just want this late removed as everyone is incorrect and this has taken a ton of time spent trying to get inaccurate information corrected.
Product: Mortgage

We have been contacting LoanCare regarding our mortgage for 12 months now trying to get back on schedule to resume our payments. We have sent in the required paperwork over and over again, which they confirm they are receiving. Our payments were supposed to be set up to be resumed back in XX/XX/2020. We have called and spoken with reps at least 60 times since XX/XX/2020 and we are still unable to get this resolved with them. Meanwhile, they call constantly and send threatening letters stating our payments are late and we need to discuss a resolution with them for the missed payments! We are at the point now that we have been unable to pay on our mortgage for 11 months because they can't seem to figure out what they need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

California Business Bureau is claiming that I owe them more than {$500.00} for medical visits at at various hospitials. They are refusing to send me the original documentation that includes my information and patient information. I had insurance at the time of this incident so I should not owe them
Product: Bank account or service

USAA classifies debits as " XXXX '' so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {$25.00} a pop everytime they do so. USAA has accumulated nearly {$500.00} of fees from my account by refusing to deauthorize the recurring debit.
Product: Credit card

On XX/XX/2024 I had the unfortunate to click on a link that I received which will took me to zoom video for a few minutes and I gave my inf of my credit card fewto this company name XXXX minutes later I realized that I just got scam I didnt received any invoice or receipt or perhaps any contract or merchandise so I called immediately to XXXX and said that it was fraud that was my mistake well Barclays said not to worried cancel my credit card sent me a new one I activated and I travelled out of the country 3 weeks later Barclays credit card company sent me letter said that they granted the XXXX to the company in question because I was in zoom video which I thought it was an introduction I believe but anyway in the meantime I tried to contact the company by email phone calls nothing not respond so I asked Barclays to run an investigation because Im not responsable for something I didnt receive Barclays is responsible for not complying by notify me that I had set up in my app that when I have a transaccin for more then XXXX they fail to communicate with me before released that huge amount in what ground because the company said that I was in zoom that supposed to be an introduction not reason for Barclays to believed this company and paid them XXXX now the interest and fees are out unbelievable hight and Barclay keep said that because I gave my credit card isnt considered scam they had to paid so I explained to them if you issued me a new credit card sent to me I activated why Barclays said to me not to worried about it you fail in communicated me that you had released the funds which Im not responsible out all my credit cards I received an alert I had been in business with this credit card company for the last XXXX  years Barclays fail to protect my rights as a consumer and now are ruined my life my credit score was excellent and now Barkley all kept saying isnt a fraudulent and Im responsible for it please help me I finally got in touch with the company in question on XX/XX/XXXX after I arrived to XXXX and this guy said to me that they wont return my money back and the only reason I reached to then is because Barclays granted the money and hang off on me I called again and he hanged off on me and I hadnt heard from them at this point I m in desperation and dont know what else to do Im a low income individual.
Product: Credit card or prepaid card

On or about XX/XX/2022 I filed CFPB Complaint # XXXX. I received the attached email on XX/XX/2022 from a resolution specialist at Bank of America 's Regulatory Complaints Department, asking to confirm I am the party who filed the CFPB complaint. I confirmed filing the CFPB complaint and requested copies of the evidence the bank has regarding the fraudulent transaction and I never received such evidence from the bank. The bank has now re-opened the dispute and I am again requesting the evidence in the bank 's posession be sent to me so I can examine it and be afforded due process rights to challenge said evidence. In the interim, I have paid the full disputed balance and I am requesting the {$220.00} in accumulated interest charges be waived since the bank has re-opened the dispute.