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

I opened up a dispute through XXXX XXXX XXXX on a XX/XX/19 charge of {$510.00} on my XXXX XXXX XXXX card, and it was recently denied, twice. 

The reason for denial was that Paypal, the merchant, denied XXXXXXXX XXXX  claim.

Paypal stated the payment in question violated their user agreement, in reference to using friend and family option to pay paypal user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation.

2 ) If there was a violation defined in the fine print that I was not aware of, Paypal user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the paypal user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the paypal invoice, and I paid it. He initiated everything, and if there are any violations of the paypal user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

XXXX is practicing unfair business practices, and ruling in the favor of the path of least resistance for themselves, not looking out for the better of their member/user, me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed Equifax requesting removal of unauthorized inquires and incorrect information. As a result of that my online access to access my Equifax account has been blocked and I am not able to log in and see any of my credit information.
Product: Debt collection

I had an outstanding debt with XXXX XXXX back in XXXX because somehow my insurance did not cover the entire cost. I paid the full amount directly to XXXX XXXX  in XXXX now Im receiving another bill from collections for XXXX XXXX  which I have no idea about. It was put on my credit report at a time when we are going through a pandemic and times are very tough. 

Collections agency : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Midland Funding LLC is a company that bought two of my credit cards debt over 10 years ago during hard times. This company filed judgement against the 2 accounts and the judgement have dropped off 3 or 4 years ago since the filing. Today I received a letter in the mail " XXXX XXXX XXXX '' to take possession of property. This action leaves me XXXX founded after reading the Fair Credit Act that a company can use the courts to violate the statute of limitation law. 

The receiver 's information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : XXXX State Bar No : XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I received a XXXX  XXXX that I never applied for. I called Wells Fargo, the issuing company. My phone number was recognized for the account, and the account already had a balance of {$4500.00}. I was connected with XXXX in the Fraud Department. XXXX marked the charges as fraudulent and closed the account. I've also contacted XXXX, XXXX, and XXXX to freeze my credit report, investigate this fraud, and correct my credit report. 

There was also an attempt to open an account with XXXX XXXX XXXX. I have my home and car insurance with XXXX, but have no other products. I informed XXXX and the 3 credit bureaus of this attempt.
Product: Consumer Loan

A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information. 
I was given an account number and a phone number to the " president 's office '' of XXXX. 
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department! 
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California. 
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved. 
I need to know what steps I should take on this matter
Product: Vehicle loan or lease

Hello and to whom it may concern : My name is XXXX XXXX XXXX I have two separate accounts XXXX XXXXXXXX XXXX. The concern is in the regards of my tag registration for my XXXX XXXX XXXX XXXX  that was purchased from USAuto Sales XX/XX/XXXX. I have been trying my best to get in contact with someone to assist me with the issue of receiving the paperwork needed to get my tag since XX/XX/XXXX. I keep getting the run around with the previous owner USAuto Sales and found out that was due to the company going out of business. So I have been diligently searching for the same information from XXXX XXXX XXXX and this is where it's led me. Can someone please give me a call ( XXXX ) XXXX or email me ( XXXX ) at your earliest convenience. I am worried that this extreme gap in time-frame is going to cause me to be penalized ( $ $ $ $ ) at the DMV in a major way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX  - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX/XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES :
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result, so I demand this matter be resolved in a fair and equitable manner, which hasn't been done. These accounts are related to a transaction and experience that falls under the 605b section of the FCRAs definitions, and rules of construction section. It was also reported without my written consent and therefore, is a result of identity theft ( as defined by the Federal Trade Commission ) and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least " {$1000.00} '' per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15.USC.1681 And they violated rights numerous times. I demand the accounts listed below be removed because, According to 15.USC.1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


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: Credit card or prepaid card

I did a payoff of my Discover card balance back in XX/XX/2018 through a Home refinance, which was paid directly by XXXX XXXX XXXX ( my home mortgage company. Today, XX/XX/2018, I received an email from Discover indicated that a payment of {$65.00} was within from my checking account as I had a previous auto-payment set up on the credit card account. Knowing that I had paid the full amount of my previous balance off I call Discover and they acknowledged that they had recieved the pay for this account. However, they told the {$65.00} must have been residual interest on my account. I asked how this could since myself and the XXXX XXXX XXXX contacted Discover Card for the payoff amount. I feel this is a direct attempt from this company to extract funds that should not have been added. As a side note I have not used this card in a least three years for and direct purchases.
Product: Credit card

After experiencing extreme XXXX pain, my insurance company, XXXX, recommended The XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). On XX/XX/year> I went to dentist. After receiving my consultation, the dentist determined I needed XXXX XXXX  XXXX. The dentist recommended additional XXXX  XXXX, which I advised I would return at a later date to discuss. The dentist suggested I apply for a care credit card to cover the extra cost as insurance may not cover it. I did agree to apply for the credit card. The following month, I received a credit card charge of over {$6500.00}. Confused by the amount of the bill I contacted the dental office, the dentist advised me that I'was being charged for the anticipated treatment I needed, and I could return at any time to finish the service. I disputed the billing with the credit card company several times, as I don't believe I should pay for anticipated treatment. The credit card company ( Care Credit ) refunded {$4000.00} and left a balance of {$2400.00} that I am disputing. After research, I discovered the dental office billed both XXXX and the care credit card amost {$8000.00}. I only received a XXXX XXXX XXXX. I have contacted the dental office several times to obtain a detailed invoice of the charges billed and the service I received. These requests have been ignored. I have disputed the charges with the credit card company several times, and each time, my dispute was denied. Now, this is my final attempt at receiving some assistance with this matter. I am XXXX XXXX XXXX and retired, and on Medicare, I can not afford an {$8000.00} bill for treatment I never received. Also, with several disputes made to the credit card company, they said they sent out a resolution letter from mail but I have never received any. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am submitting this formal complaint against the Credit bureaus regarding multiple inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) ( 5 ). 

Details of the Disputed Accounts : XXXX The date opened and the account type are inaccurate. 
XXXX XXXX The date opened and the past amount due are inaccurate. 
XXXX The date opened and the account type are inaccurate. 
XXXX  XXXX The date opened is inaccurate. 
XXXX XXXX XXXX The date opened, the balance owed, and the payment term frequency are all inaccurate. 
XXXX XXXX XXXX The high balance, balance owed, and payment status are all inaccurate. 
XXXX I have never conducted business with this company. Their reporting is fraudulent and should be deleted from my credit report immediately, per the FCRA. 
Additional Concerns : I was sent documentation claiming they have verified the accuracy of this information with the reporting companies. However, other credit bureaus report conflicting information, further highlighting failure to ensure data accuracy. Additionally, Experian has a history of updating disputed accounts as verified without conducting proper investigations, which is another violation of federal law. 
To resolve this matter : Delete all disputed accounts listed above from my credit report. 
Provide written confirmation that these accounts have been removed. 
Failure to address these inaccuracies and delete the accounts as required under the FCRA may result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX appears on my XXXX twice, once with XXXX and once with XXXX. That is the same account appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Debt collection

I was sent a letter from an attorney stating it was an attempt to collect an over due bill in the amount of {$2600.00} for some home design project. The claim is that I open this account in 2005. the problem I have never had a home design account with anyone. They also said this account was purchased by another lender. After speaking to the bank I called XXXX  and spoke with them and XXXX  which in turn started an investigation. the investigation took 60 da.  At the completion the claim was it has been verified that this account belongs to me. This does not belong to me and I had absolutely no knowledge of this until notification. Then I started my on digging and found my social security number and name XXXX XXXX and XXXX XXXX listed on my credit report I have never these also the birthday as XXXX which is not correct. The account is with synchrony bank some where in XXXX and also claims I have an apartment in XXXX, Texas. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 



.
Product: Checking or savings account

I received an account statement yesterday for an account I do not own. It has my name and physical address. I have not opened a Bank of America Account. I do not have any accounts affiliated with Bank of America. 

I reported and called several weeks ago when I received an email from Bank of America thanking me for setting up mobile banking, a second one confirming the mobile banking has been activated and a third letting me know that if I did not make these changes I needed to reach out. When I received the first email I opened it but did not click any links. I XXXX  Bank of America Fraud department and called them. At the time I did not have an account number to reference and the representatives were unable to assist me. They could only verify my name, address and email address were showing active in their system. Now I have a bank statement for an account that is not mine but is in my name. 
I have put a credit freeze in effect and have made a report with the FTC.
Product: Vehicle loan or lease

I was denied an auto loan. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Capitol One auto finance XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 Amount : {$90000.00} I tried calling but no answer.
Product: Credit card or prepaid card

Apple credit card continues to insist in reporting the credit card as a charged off even though the credit card was not included in my bankruptcy and even though the credit card had no balance owed at the time of me filing for bankruptcy. And I have the discharge papers where it shows which where the credit card that were charged off and apple card was not one of them. I file a claim and they are insisting in reporting card as a charged off through bankruptcy.
Product: Debt collection

For the last couple of months dating back to at least XX/XX/2023 I have been getting REPEATED phone calls for a woman who does not live in my household. The man is extremely rude, has yelled at my wife and calls constantly. I have told him countless times that the woman he is looking for is not at this number and to STOP calling me. He still keeps continuing to call and harass me about this woman. I have never used this company or requested any information from them and no one in my home has either. The most recent phone call was today XX/XX/2023 at XXXX where my wife got on the phone with him to tell him that we would get our attorney involved if he kept calling us. He then proceeded to yell at my wife telling us that we should just keep blocking his phone number then. We looked up the phone number and it belongs to a company called Tower Loans located in XXXX, IL.
Product: Credit reporting or other personal consumer reports

Account Opening Date : The credit report states that this collection account was opened in XX/XX/XXXX, which is incorrect because the reported status shows the account as being past due in XX/XX/XXXX. An account can not be opened and past due in such a short time frame. This inconsistency suggests errors in how the account details are being reported. 
This inaccuracy is negatively impacting my credit score, and I kindly request an investigation and correction of the errors. Please verify this information with XXXX XXXX XXXX and provide me with a written response regarding the outcome of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Opened Request for Removal Dear Sir/Madam, I am writing to formally dispute an account that has been reported on my credit report. I have discovered an account opened in my name without my knowledge or authorization. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX Date Opened : unknown I did not authorize the opening of this account and believe it was opened fraudulently, possibly as a result of an identity theft incident or XXXX data breach. I am concerned that my personal information was compromised during an unauthorized event.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any fraudulent account that was opened without my permission or knowledge. As my personal information has been exposed, I request that you immediately investigate this matter and remove the disputed account from my credit report. I did not open these accounts. I have not knowledge of these accounts 15 USC 1681 b.

Please confirm in writing that this account will be removed as soon as possible and provide me with a copy of the results of your investigation, as required by law. If further documentation or identification is needed to support my dispute, please let me know.

I also request that you take immediate action to secure my credit and personal data to prevent further unauthorized activities.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this fraudulent account and the necessary updates to my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My deposit from my employer has not posted to my account. I was suppose to get paid on the XXXX and no deposit was made.