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

I Used Klarna for instalments payments for a puchase at XXXX XXXX for XXXX, I ended up returning items 3 days later for a full refund and Klarna keeps refusing to drop the charges and refund me the money I paid which was 2 payments of XXXX totatlling XXXX I have submitted receipts from XXXX showing item was return, I contacted Klarna like 20 times I have send emails and they dont respond. I called tjem several times and no help. I was than sentt to collections I sent them the emails with Klarna and receipt showing refund and they do not want to get involved and want me to still pay. 

They are claiming in the email that money was refunded to me for a XXXX purchase. I bought XXXX at XXXX. I already paid Klarna 2 payments of XXXX totalling XXXX and Klarna sent me to collection for which I paid XXXX totalling XXXX that i paid. so why they are saying that my refund was applied to XXXX. 

I am very frustraded and I feel as this is a scam, fraud they are playing games with meand refused to respond..
Product: Debt collection

I have no knowledge of this debt. I have asked to get proof of paperwork signed or anything that can prove this debt is mine
Product: Debt collection

ic systems is trying to collect debt for XXXX who sold a non functional phone product but they knew they had insufficient cell tower coverage when they sold the product/service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.
Product: Credit card or prepaid card

A Citi AAdvantage XXXX XXXX XXXX XXXX was opened in my name without my knowledge. I called them immediately and reported it to Citi 's fraud department, then I filed disputes with the 3 credit report agencies, XXXX, XXXX, and XXXX, that the account was fradulent. So far, XXXX and XXXX have not allowed my dispute saying that Citi said the account was correct however when I call Citi, they say the account was fradulent and they have closed it, but they will not acknowledge this and update the report to the credit agencies.
Product: Debt collection

I received a phone call from XXXX on XX/XX/2021. The lady said her name was XXXX and calling from XXXX XXXX in regards to a debt they claimed I had with a bank I closed my account with over 8 years ago. She repeatedly interrupted me claimed they were going to contact the local police. They were going to have a judge hold me in contempt, serve me with some kind of papers, close my current bank accounts and restrict me from having any bank accounts in the future. After going back and forth trying to speak and get information to be sent to me she just kept interrupting me before she hung up on me. I called the local police department they asked me some questions. Asked if I could try and call them back to get the full name of the company. When I did somehow the same lady answered and said they were going to call the police for harassment to a business. Refused to give me the name of the company or any other I formation. Then today XX/XX/2021 the same lady called my girfriends phone threatening her the same way. Refusing to shut up so my girlfriend could talk. Basically the same things that happened to me the day before. I called the local police station again only to be told there is really nothing they can do..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I added a XXXX card to my PayPal wallet and sent money to a friend, as I have done many times previously. I am a secondary user/cardholder on said XXXX card . On XX/XX/XXXX several transactions were attempted on my XXXX card ( these were recurring monthly charges ) I had forgotten to change the primary card on my account so the XXXX card was still set as my primary payment method. There wasn't enough money on my XXXX account to cover the charge and because it was still linked to my PayPal, the recurring transaction then attempted to pull the funds from my PayPal account. This transaction was also declined because I had no funds in my PayPal account. XX/XX/XXXX I was sent an email from PayPal asked to provide documents to prove the cards I linked to my account belonged to me and to provide proof of identity. On XX/XX/XXXX I submitted the requested proof in the form of account/transaction summaries that included my name, address, card info etc that clearly showed the accounts i had linked to my PayPal were in fact, mine. PayPal responded on XX/XX/XXXX stating that my information was being reviewed. Then On XX/XX/XXXX I got an email from PayPal saying my account was permanently limited due to violation of their terms and " suspected '' ( PayPals wording, not mine '' ) risk. I dispute this, all cards linked to my PayPal account are in my name only and/or I am an authorized secondary account holder/cardholder/user. I provided proof of account ownership to PayPal as requested however they only allow 2 documents to be submitted in a response to their request. I included a note in my response that said I will send proof of account ownership of all the cards on my account if necessary. On XX/XX/XXXX I emailed the Executive Office at PayPal and explained my situation. I asked for the limitation to be removed and if that was not possible that the money that remained in the account be refunded to me via paper check and my account be closed. I received a response on XX/XX/XXXX that did not resolve my problem and offered no further explanation of their reasoning for my account limitation. On XX/XX/XXXX I emailed the executive office again and have yet to hear back. On XX/XX/XXXX I filed a complaint with the XXXX  that ultimately did not resolve the problem with PayPal. I have a balance of {$31.00} in my PayPal account, that I can't access because my account was limited without warrant - I did not violate any terms nor have I ever engaged in risky behavior while using PayPals services or any money services, for that matter.
Product: Debt collection

I received a notice regarding an alleged debt from a company called SPRING OAK CAPITAL. I was not given enough information regarding this alleged debt. There are significant question regarding the information and how you obtain my name and personal information such as my address. They are in violation of the Privacy Act of 1974 per 5 USC 552a for infringing on my rights to privacy. This company has not provided the chain of assignment, Papertrail as proof that this account belongs to me, a contract bearing my wet ink signature, whether there is any insurance in connection to the alleged debt, or if this account has been reviewed by an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly done an investigation of this matter. I have submitted proof that this report is not mine and they still fail to delete it from my records.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose.

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. The following accounts are not complete and accurate : XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status, wrong account number XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX  XXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status Furthermore, according to 15 USC 1681s-2, 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. Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> HELLO CAN, YOU PLEASE SEND A COPY OF THE LETTER SHOWING THAT COMENITY SENT TO ME THAT I WAS LATE IF YOU CANT DELETE IMMEDIATELY WHICH YOU WONT BECAUSE I WASNT LATE AT ALL THANKS AND THAT LAW YOU SAID YOURE FOLLOWING IS GOING TO HAVE YOU IN COURT, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
BLUNTLY, XXXX XXXX XXXX XXXX XXXX XXXX UCC1-308 WITHOUT PREJUDICE BENEFICARY OF acct # XXXX XXXX XXXX NOT THE TRUSTEE
Product: Debt collection

First it started with a phone call every few days. Now they call every other day numerous times. At first I told them this did not sound like it was my debt and I wanted them to send me proof. Instead I keep getting automated phone calls all day long. So I don't even answer my phone anymore. They finally sent me a debt collection notice for a credit card I never had. I even checked my credit reports and this debt has never showed up on my credit reports. This company is hounding me for a debt that is not mine and it needs to stop!
Product: Prepaid card

OK hello my name is XXXX  and I got my ID that you guys required for me to get my card activated I keep trying to call nobodys answering the phone I cant I keep I tried to go online and do it and I cant get it that way I dont know what to do Can somebody please help me resolve this. Card XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a Credit card with a limit of {$4000.00} at Bank of America. They closed it on XX/XX/XXXX without me being informed ( per XXXX review the card periodically ). Now as of XX/XX/XXXX, I paid the entire amount of {$3800.00} for my card to be in good standing. 

I know there have been changes in my financial as I was on XXXX since XX/XX/XXXX due to high risk XXXX and up until now due to XXXX. My baby has passed away XX/XX/XXXX. 

Now I feel like this is unfairly discriminating because Bank of America after I paid the whole amount just all of a sudden closed it saying their excuse that they review credit account prediocially. Why did they not review it a month ago?! Or next month?! They did not even give me as their loyal consumer a chance that maybe this time I will be able to cope up. 
Now, I paid the whole amount thinking really that it will be for good and not this!
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter concerning fraudulent information on my personal credit profile, which demands immediate correction. This request is not made in error but is in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This is 100 % written by me using accessible software and information available to everyone.

The inclusion of fraudulent data on my credit profile violates FCRA 1681e ( b ), which mandates credit bureaus to employ reasonable procedures for accurate reporting. I have not supplied proof under the doctrine estoppel by silence, and I presume that no evidence of the alleged debt exists, as per 18 USC 8.

Your company 's actions also violate my consumer right to privacy ( 15 USC 1681b ( 2 ) ), and you lack permission report anything using my information ( 15 USC 1681 ( 4 ) ) am requesting copies of documents, including a detailed breakdown of Metro 2 requirements, to verify the accuracy of the accounts listed above.

Under FCRA 1681g, I demand disclosure of your compliance with Metro 2 and all relevant documents recorded in your file. I emphasize that responding with claims of account verification is insufficient ; instead, provide copies of documents with my wet signature. The violation of these statutory requirements has severely undermined my creditworthiness, impacting my ability to secure necessary credit. Pursuant to FCRA 1681i, unverifiable and fraudulent accounts must be expunged from my credit report. Failure to adhere to these legal obligations grants me the right under FCRA 1681n and 16810 to seek both actual and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, XXXX, and TransUnion. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX of Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.
Product: Credit card

XX/XX/2024, I placed an electronic payment to my credit card. I was informed the payment would be on hold until XX/XX/2024. The payment debit posted to my checking account on XX/XX/2024. The card company is claiming this type of payment is out of the ordinary for me, which it is not. I have used the same checking account and same process for paying this credit card since it has been opened. Ive reached out to multiple representatives, who continued to repeat the same narrative of this is out of the ordinary, again my transaction history proves it is not.
Product: Payday loan, title loan, personal loan, or advance loan

I got a email on XX/XX/XXXX saying I was eligible for a loan anywhere from {$3000.00} to {$10000.00}. I called and asked to do the {$3000.00}. They asked for my personal info. Account s, social security, address etc I gave the information. He then mentioned that because of my credit score we would have to do something where they sent money to my account and I would send it back he mentioned we would have to do this a couple of times to get my credit score up to where it needs to be. He then kept telling me we had to do it again and again and made me do it like four times. I bought it because my credit score XXXX XXXXXXXX and plus it was happening over a holiday weekend. On the XXXX they put in a transfer {$130.00}, {$130.00}, {$130.00}, & {$130.00}. On the XXXX they put in {$500.00}, {$98.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$120.00}, {$120.00}, {$130.00}. On the XXXX they put in {$130.00}, {$130.00}, {$130.00}, {$120.00}. All of these amounts were later returned as XXXX determined that the place they were going to was not real.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX  XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, time XX/XX/XXXX Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.