23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

My American Express credit card that I had since XX/XX/XXXX offered a pay-over-time option at an interest rate of 16.99 %. After I had a significant balance on the pay-over-time in XX/XX/XXXX I made a late payment on my account by one day. They increased the APR on the pay-over-time to 29.99 %. My card-member agreement states that they are allowed to do that for 6 months and the APR should go back to the regular APR if I make timely payments for 6 months. However, they have been charging me the penalty APR for more than 2 years until I called in XX/XX/XXXX. The day that I called, I logged into my account and it clearly said " Current APR 16.99 % '' on the Pay Over Time page, however based on the calculation of the interest amount they were charging me, I realized they were using the penalty APR of 29.99 %. I called right away and the person apologized and changed the APR to 16.99 % and said she was surprised that the penalty APR was applied for over two years. She wrote up the case to get a revision on the interest charges I had paid. However, it has now been more than two months and despite me calling four more times, I have gotten nothing except a refund of two late fees for payments that were not made late, but were charged to me. However, no refund on the interest overpayment. They keep asking me to give them a chance to resolve this, however there has been no resolution. Thank you for anything you can do to assist the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2020 I have contacted my attorney and the local police department which have both told me that criminal records should not be showing on my background check 7 years after conviction date. 
I have been looking for another job for years and my criminal background has prevented me from finding another job. 
statement from fair credit reporting act " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I completed a Criminal background check on myself in MN using TransUnion.com.

I verified that my record still shows and even after 7 years from my conviction date. Also, the number of records showing is 4, this is not correct, it should be only 2. 
please have my record removed from public systems, I have a family I need to support.
Product: Student loan

My loan provider did not give me opportunities to correctly pay my loan as I desired. The loan provider ( navient ) distrusted my loan payments in ways in which I did not agree on. They would not allow me to pay as I wanted and instead distributed my payment how they deemed fit, often times leaving me to have to pay more money in the end.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the XXXX report was invalid, specifically the *phone number listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their XXXX hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Feel free to adjust any details as needed! If theres anything else you need, just let me know.
Product: Money transfer, virtual currency, or money service

Hello I do not known if you can help me but this seems crazy that this is happening to me. I use coinbase as a investment platform. I have invested thousands of dollars over the last two years. XXXX of last year I used their application in order to transfer money from my personal account to their Platform my coinbase account. The address the QR code in their application provided was incorrect and sent it to someone else. When I reached out to them upset because they had just sent {$2000.00} of my money to a random person they said that this happens sometimes and that it was my fault I couldnt believe what I was hearing, I stated to them if they knew about this why isnt there some warning for their customers using this application that that is a possibility and to triple check in case their app provides the wrong address. I feel like I have been the victim of a company that does not properly test their product before sending it out into the public. This can list people thousands of dollars over a massive scale. They are not taking responsibility and are betting on me giving up and being afraid to defend myself and my saving they lost. I have had to work extra hours had to make sacrifices over the last few months to replenish what I lost I suffered XXXXXXXX XXXX XXXX XXXX. This issue was caused by Coinbases negligence. Please let me know the proper channels I can reach out to to hold them responsible so that this doesnt happen to other families. I have video of their QR code providing the wrong address if that helps.
Product: Checking or savings account

This complaint is about online access and security. 
For online access the bank is implementing additional security steps, but what they do makes an identity theft easier. 
For example : the bank has my cellular phone and e-mail, however for the verification purposes they ask for e-mail account to send the link to. This makes it easier for a potential identity and money theft. 
An imposter can simply redirect to his e-mail account or phone. 
I discussed that with the customer service supervisor, but they can't change the official procedure. 
Some of their " verification '' procedure are simply waste of time without creating any additional level of protection. Example : I was directed to open a bowser page and type the code that customer service dictated to me followed by the info I already provided in order to speak to the customer service. 
The incompetence of their security department is shocking, and it is just a matter of time until the vulnerability is exploited by someone.
Product: Credit card or prepaid card

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( XXXXXXXX XXXX XXXXXXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown collections account on my credit report.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, Ive been trying to get PayPal to close a dispute. I initially filed a complaint with my credit card company, which processed the transaction through PayPal. I couldnt dispute the charge until it posted on XX/XX/XXXX, but by then, I couldnt cancel the order or contact anyone, leading me to believe the website was a scam. 

I contacted XXXX, and they confirmed it was a scam ; the site had no contact information or cancellation options. The order was for a pallet of returned goods, which I never received. The tracking number sent XXXX days after the transaction yielded no results. 

My bank determined it was a scam and informed PayPal on XX/XX/XXXX and again on XX/XX/XXXX. PayPal claims they didnt receive this information from my financial institution and wont accept a joint call to the bank. My bank stated they only contact PayPal once per case, despite reaching out twice here. PayPal still says they never received such data, which is false. I provided same data, but PayPal won't accept my information that the bank sent me. 

Now, over 133 days have passed, and I can't get PayPal to remove the dispute from my account after hundreds of calls per their request to call in XXXX, XXXX, 30 days. This just continues. PayPal is deceitful. I've requested, under the California Consumer Protection Act, that they delete my account, but they refuse because they keep this dispute open that clearly my bank has closed in my favor. 

I've had several cases and escalations opened only to get closed and they start some timer again, it's quite the circus. 

Now I believe PayPal is scamming consumers too. I've blocked any payments in or out of this institution. Removed as much of my data as I could, but I can't close the account or get PayPal to delete my data. 

I never want a PayPal account again and will not make any purchases using PayPal. They can blacklist me, which would suit me just fine. I didn't even know I had this account, last used in XXXX, until this situation arose. 

PayPal Case ID : XXXX
Product: Checking or savings account

This all started with a federal account through key bank set up for the COVID pandemic. The card numbers to this account are XXXX & XXXX. There were several court cases through XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX XXXX, XXXX, XXXX, & XXXX & XXXX XXXX district court case # XXXX XXXX XXXX XXXX. These debts and other debts which should be off my debt record are now maxed out with brand new opening dates. Also a prideful thief named XXXX XXXX told me she had stolen check books and washed them to this account. Then there is the just recently closed key bank checking account # XXXX that had a dispute # XXXX that gave me provisional credits in the amount of {$5900.00} which was reversed when XXXX and her associate XXXX XXXX XXXX XXXX XXXX, which had nothing to do with the account told me my account was empty infact you got " nada dollar left '' is what was said. So I opened another dispute and awaiting the FTC case number the account was shut down without my knowledge. So come to find out they have an insider at the bank named XXXX. This is at the XXXX Wa branch # XXXX. This account was open 6 months and ripped off 3 times by these individuals. I also have a XXXX police report case # XXXX which states they stole a phone and used authorization codes to secure money from this account. There was also a garnishment put on this account which was supposed to be paid before I could touch a cent. This garnishment was from Division of Child Support in the amount of {$2300.00} dated XX/XX/XXXX of 2023. No money was taken out of this account for the garnishment and my account closed XX/XX/2023 in the negative {$4400.00} with no explanation and when I asked to talk to a branch manager they were unavailable. I believe there to be a large number of money that was stolen out of both accounts. Please help.
Product: Credit card

Ive been victim of fraud for two years now I have reported to XXXX XXXX and American Express also notified the credit bureau that someone has open multiple lines of credit and bank accounts, etc. in my name and Ive even submitted documentation and reports to show that they are in fact legitimate proof showing the evidence, and even the perpetrator was caught, but it was never removed off my credit report leaving my credit damaged in be stressed out to where I dont even know where Im going to live because of my credit and not being able to move forward in life without being able to utilize my credit because someone is damaging it Im just looking for help please
Product: Credit reporting or other personal consumer reports

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

I told Transunion to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion, written permission to furnish these accounts.

According to 15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America continuously debits my account for a reversed dispute on an old account that they are trying to collect on. They continue to take any direct deposited funds from my account and place a hold on them before taking them to apply payment to the negative account without my permission or consent. I receive XXXXXXXX XXXX  and have to account for all monies spent/debited and this is not an approved task per the policy. I have consulted with Bank of America several times about this and expressed that I was a recipient of XXXXXXXX XXXX and their response was that there is nothing they could do. Current date XX/XX/2023 deposit amount {$97.00}. Bank of America debited amount : {$86.00}
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX.
Product: Credit reporting or other personal consumer reports

I have life lock and it's showing multiple years of payday loans under my personal information state to state with different date of births. Different drivers license etc maybe even social security numbers all kinds of junk I can't access my credit karma because of these theives I have multiple police reports here in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXt who ever it is just going from state to state main base is out of California. I have a XXXX  case for mail theft as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed of negative information reported by XXXX XXXX XXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account XXXX on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 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, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year> ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : XXXX XXXX XXXX  Please remove all charge-off information. 
XXXXXXXX XXXX XXXX XXXXXXXX, High Balance : {$1400.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/year>, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/year>
Product: Debt collection

it was XXXX dollars this debt was already disputed and it meets all fcra requirements this account is 7 plus years but they keep reporting it on my credit score
Product: Money transfer, virtual currency, or money service

I followed this influencer for a long time and he messaged me in XX/XX/XXXX and eventually started asking for financial help in the form of gift cards and sending money. Over time he got my personal information and access to my bank information and payment processors such as XXXX  and square. He said he needed financial help until XXXX when he would get his money back and pay me back which never happened. Once I saw the actual influencer ( not the imposter I was talking to ) got engaged publicly and realized after talking to him that it wasn't him I was talking to, I realized I had gotten scammed and I notified the police after 2 days ( on XX/XX/XXXX ) and filed a report. I've also filed a FTC report and have been notifying my banks and credit cards and payment processors. XXXX  is working on investigating but Square has refused and said they already investigated and found no fraudulent activity and want me to pay {$11000.00} which I did not make in my business. The transactions that were done on Square were all fraudulently done by the scammer. Every single transaction on Square was done by the scammer since I have never used Square for my business transactions. I just opened the account and didn't use it myself. Also, The scammer has been harassing me for over a month now and messaging my family and sending out my pictures to them trying to get money. Square won't even let me talk to anybody and they say there's nothing they can do which is only adding to the stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was to validate the information from my credit bureau report file. XXXX notified me to contact Experian at XXXX, with the following reference number : XXXX. 

I am trying to pass verification with XXXX, which requires Experian to validate my identity. 

The female representative stated that Experian was unable to verify my identity. When I disputed the accuracy of their information and requested an investigation, the female representative disconnected me. The call was presumably recorded, or should have been. 

Experian needs to make a bonafide attempt to verify the accuracy of any information it disseminates to other sources. This reporting of inaccurate information is unacceptable by any standard. Furthermore, their misreporting is preventing me from obtaining proper clearance with XXXX. 

The only acceptable remedy is for Experian to correct their information and validate my identity, which has been a matter of record for the past several decades.
Product: Money transfer, virtual currency, or money service

I have sent amounts up to {$6000.00} at a time with no assistance. The person never received it and my money was gone elsewhere. This is extremely concerning and when I call for assistance, they just tell me that my money is gone. This is unethical and completely unfair. Its unacceptable that there is no fix for this. I need my money back and will not take this any longer.