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

We are retirees who rarely use Paypal. My husband, a retired federal judge, and I have credit XXXX scores well into the XXXX and have never been involved in any payment or debt delinquencies. Here, I was simply scammed by fraudsters when my husband was away and never received any benefit. I do not know how my Bank debit card ( XXXX ) was added to Paypal on XX/XX/23 ; I did not do that. I acknowledge I got a number of emails, but I did call the Bank regarding these charges. I get so many email I can not get them straight; real or spam. 
Paypal claims we ordered {$2900.00} in XXXX gift cards on XXXX. It claims we requested and activated a debit mastercard on XX/XX/23. WE DID NEITHER! I never ordered any gift cards nor did I either request or activate any debit card! 
I provided Paypal with the case numbers and contact information for both my Bank, XXXX, and XXXX. Both XXXX and XXXX acknowledged I was scammed and declined to participate. 
The XXXX XXXX claim/dispute number is XXXX. [ XXXX, claims, ( XXXX ) ]. XXXX first notified me of this scam on XX/XX/23 and did not fund or authorize charges to my bank accounts for payment for XXXX fraudulently requested XXXX gift cards. They assured me they would handle the matter with Paypal-which they did. 
Yet, on XX/XX/23, after having notice of my bank declining payment, Paypal accepted, processed, and activated a debit mastercard ( # XXXX ). I never requested opening any Paypal debit card. Nor did I agree to the activation or use of any such debit card. Paypal refers to this card as a Paypal debit mastercard # XXXX. Our credit reporting agencies, XXXX, XXXX, XXXX, reflect NO inquiries for XXXX, which would be standard for a new debit card request. 
Upon notice, XX/XX/23, XXXX, which had received an order for XXXX digital gift cards ( # XXXX ) did not provide an activation code and never activated any gift card. The XXXX case # is XXXX. Call them at ( XXXX ) XXXX. There is NO evidence any gift cards were ever activated or used! 
Our Paypal website documentation is opaque and confusing at best. It appears after XXXX Bank refused payment and notified Paypal and XXXX of the scam, Paypal opened a Paypal debit card to reimburse itself for the {$2900.00} the Bank would not pay. We can not ascertain whether the {$2900.00} charge to the debit card on XX/XX/23 was for a new set of XXXX gift cards or a charge to merely reimburse Paypal for the charges our bank rightfully declined. 
This entire scam began the evening of XX/XX/23 when I could not log into our XXXX streaming TV account. A telephone number appeared on screen to call ; which I did. I naively and foolishly answered a myriad of questions to the very persistent representative regarding our financial accounts and passwords. I never suspected the information on our TV could lead to a scam! 
Paypal DISPUTE # XXXX We will try to scan, and upload Paypal and our emails later.
Product: Debt collection

I never once received any documentation or notice of debt. I havent gotten phone calls which I appreciate not being bothered but Im finding out about something I dont believe I owe 5 years later from the XXXX XXXX. It is in regards to a rent recovery for some apartment in which I roomed with the lease holder. Yet all rent was payed. The name of the apartment complex was the XXXX and the debt Holder is called rent recovery yet they havent even provided me any documentation that I owe anything. XXXX  doesnt have me down for that address rightfully so and doesnt list the rent recovery. Just XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are well aware, XXXX XXXX XXXX XXXX XXXX is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in multi-million dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current TransUnion and XXXX credit reports are showing that on XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information XXXX XXXX XXXX XXXX reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. 

Im tired of XXXX 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
Product: Checking or savings account

in XXXX, id theft occurred .Contacted XXXX XXXXXXXX XXXX  and XXXX XXXX resolved. Account frozen UNTIL I SHOW UP IN PERSON to unfreeze it and withdraw money. ONLY previous automatic deposits allowed. Since i am working in an isolated alaska company, that was ok until i return in XXXX. 
NOW i learn on FRIDAY, XX/XX/XXXX account CLOSED on XX/XX/XXXX!!! it takes 10 business days for XXXX XXXX  check to arrive!!! that means {$35000.00} check will arrive MONDAY, XX/XX/XXXX!!! tried calling chase bank to stop payment and cancel check, but CHASE BANK PUT ME ON HOLD AND RECORDING CAME ON BANKING HOURS CLOSED TILL MONDAY!!! ID THIEF CAN BE CAUGHT CASHING CHECK IF CHECK IS CANCELED THIS WEEKEND.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notified entity J.P.MORGAN CHASE, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX  Reported Late Should have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.
Product: Debt collection

I am writing to formally dispute the validity of a collection account appearing on my credit report.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Amount : [ Debt Amount ] I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute.

Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.
Product: Credit reporting

I have for the last five months asking for validation that the following accounts XXXX # XXXX, US BKPT CT TX XXXX # XXXX, US BKPT CT XXXX XXXX XXXX, and US BKPT CT TX XXXX # XXXX from Experian, I have not received the information that I requested. I would like the name of persons that the credit bureau used to validate these accounts, instead they send letters saying that they are correct, but they are not correct and I would like them to remove them immediately or will be forced to file lawsuit against Experian under the Fair Credit Reporting Act for removal and up to {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX MI XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXXXXXX  without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ALLY FINANCIAL for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX/Principal WITHOUT RECOURSE cc : CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried accessing my credit report information through Equifax to review my credit report and place a credit freeze. I tried signing up for an online myEquifax account which provides these services according to their website. But, my attempt to sign up for an account failed, the website informed me that an account already existed with my information and to click the hyperlink that helps retrieve forgotten passwords, etc. I did this step, and after submitting my information, the website gave me another message saying there was no account associated with my info and email address. I only have a couple of email addresses, so I tried my other email addresses and had the same failed outcome. Then, I decided to call their customer service telephone number, I went through a lengthy identity verification process before reaching a representative. I thought the verification process was good and very thorough but then the representative informs me that their system has technical issues and that they will need me to provide them with my social security number and other personal information again. I did not feel comfortable doing this again. It feels like Equifax is using faulty technology and should not be trusted with so much sensitive information. I found out that not too long ago they suffered a data breach, and after this experience, it is so apparent that they are a sloppy business that doesn't have invest in their equipment and technology. I walked away empty-handed. I had smooth experiences accomplishing what I wanted to do with XXXX and XXXX. I want Equifax to make accessing my information easier on their website.
Product: Money transfer, virtual currency, or money service

I initiated an international money transfer on the XXXX of XXXX using Wise formerly known as TransferWise. The transfer was to pay for medical expenses for my parents in XXXX. On Wises website and app, they promised to complete the transfer the next day when you send a wire transfer of your funds to their account. I did just that and even incurred an additional wire transfer fee from my bank. Around that time, the exchange rate stated my recipient would receive about XXXX cedis. I followed up several times after I noticed the international transfer wasnt completed the next day as promised. However, the wire transfer was completed by my bank a few minutes after I initiated it on the XXXX of XXXX. Wise however claimed they never received my money, and as a result the amount the recipient was supposed to receive kept decreasing due to fall in exchange rate. I sent over proof that my bank had completed the wire transfer on XXXX different occasions to wise. I sent several emails to Wise to follow up as well. I corresponded with both XXXX and XXXX from Wise about the reduction in the exchange rate and delay in transfer during those times. After a week, when the rate had dropped significantly, Wise finally decided to send my transfer. Because the rate had dropped significantly, they only sent about XXXX cedis yesterday, which is almost half the amount I was initially quoted. Throughout my communication with Wise, I made them aware that the rate keeps dropping and since their service promised to send the money the next day of your funds are sent to them via wire transfer, they should at least honor the XXXX I was quoted. I didnt use the normal ACH transfer which according to their app and website takes a week to complete. The amount they finally sent cant cover the entire medical expense and their procedure had to be pushed back because the funds werent even sent on time. The health of my parents are at stake, and the least Wise can do is to honor the XXXX cedis I was quoted and promised considering Im a longtime customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section 1036 of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Product: Credit reporting or other personal consumer reports

I am having an issue of getting my free annual credit report XXXXXXXX XXXX XXXX  and XXXX. I am entitled to an annual free credit report.
Product: Debt collection

I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
Product: Debt collection

I have a collection agency by the name of Caine & Weiner trying to collect a debt of {$100.00}. This debt is from a company name XXXX that I charged a fee for their dating service on my XXXX XXXX card. The amount they have in collection is not the amount I paid for the service. 

After several attempts of trying to reach out to XXXX regarding problems with the service they were providing I contacted XXXX XXXX. During and after the time I signed up with XXXX I was unable to get in touch with them nor did they respond to my emails. XXXX XXXX reached out to them as well and they did not respond. After XXXX XXXX investigated the charges they found cause to credit my account and not render payment to XXXX. Currently, XXXX XXXX XXXX is trying to collect the amount that XXXX XXXX credited me on my credit card.
Product: Debt collection

This company Caine & wiener I have no knowledge of is reporting a collection on my credit. According to 25 usc 1692g validation of debt a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Im requesting proof of licensing to collection debt in NJ and description of procedure used to verify this account.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

am filing a complaint against Equifax and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and Transunuons actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

LVNV funding placed a collection account on my credit report for {$1.00}. I do not have an account with this company. I contacted them several times asking for proof of ownership and never received an answer. I did online research and per XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to see documents proving they own this alleged account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / bridgecrest is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure bridgecrest pays for their lies all the time.
Product: Debt collection

On XX/XX/2022, I sent a certified letter to Creditors Bureau Associates requesting debt validation of the alleged debt XXXX that I owe. The company never signed for the letter according to the tracking update ; however, I received a print out of the billing statement of the alleged debt. The company immediately placed this account on my credit report during my phase of disputing this account. Credit Bureau Associates has diminished my confidence in the banking system and have committed fraud by placing inaccurate unverifiable information on my credit report. I requested for the company to send me validation that I have a contract which would make me liable for the alleged debt. After further investigation of this company, Creditors Bureau Associates is not license to conduct business as a debt collector in Georgia. XXXX