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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY XXXX NAME READS : XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXXXXXX XXXX XXXX XXXX, VA XXXX MY DOB READS : XX/XX/XXXX MY SSN LAST FOUR READS : XXXX My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXXXXXX, VA XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX, VA XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXXXXXX, VA XXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER EXPERIAN WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .ShaideXXXX XXXX XXXXXXXX. Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Money transfer, virtual currency, or money service

I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLease take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified Equifax, XXXX and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit card or prepaid card

Dear CFPB, I have Apple Credit Card which is managed by Goldman Sachs. This year, several times I sent payment for my balance due, well before the due date. My Bank confirmed that check was sent several days before due date. For no reason, I was charged almost {$330.00} in fees this year. As an example I have attached payment that was sent and was delivered to Goldman on XX/XX/XXXX. Today is XX/XX/XXXX, they still have not processed my check. AND, they have been charging me unfair fees! Shouldn't they fix their process? This probably true for millions of accounts. All these fees are not fair. If payment was delivered before or on due date, then there should be no charge.
Product: Credit card

Please look at the documentsI have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted. that I've attached.
Product: Checking or savings account

I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORPXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$59.00}
Product: Bank account or service

I am not clear as to what exactly happened with my Bank of America account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as " fraud '' because of a returned check that was deposited. I have made two trips to Bank of America to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the " fraud '' attachment to my account. I have attempted to resolve the issue at Bank of america to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Bank of America the right to shut down businesses it is very apparent that they have more power than our Government does.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are not recognized and non-authorized hard inquiries on my credit report please have them deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX Prior to that notice on my report. I have two letters from XXXX XXXX who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Product: Credit reporting or other personal consumer reports

I have been trying to log into MyEquifax for YEARS. See attached screen shot. It does not load my credit report or any information and will not allow me to dispute anything. I have called Equifax numerous times, attempting to provide them with the pop up code I receive ( see screenshot ) and each time they just put me through a lengthy ID verification process and tell me that technical support will contact me through email. I am not allowed to actually talk to anyone in technical support. 

Because of this, I have been unable to dispute a collection account that was posted in error, previously disputed which Equifax incorrectly VERIFIED and Equifax refuses to provide me with an email or fax to submit my proof that this account has a XXXX balance and in fact the collection agency provided me a letter stating this collection was an ERROR and that the requested DELETION from Equifax. 

This has caused me harm including poor credit scores, higher interest rates, etc. Equifax is not furnishing correct information about me as required by LAW
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX is sending me to collections for a {$2000.00} debt over light bill that was not opened by me. I did not even live in the state of New York when it was opened. them with all of that information and explain to them that it could not have been me because I was too young at that time
Product: Student loan

In XX/XX/XXXX, I applied and was approved for Income-Based Repayment which as I was told by my loan servicer, which at the time was Sally Mae was the only step I needed to take at the time to work towards the Public Service Loan Forgiveness Program. I re-certified my income year after year to remain on this IBR plan and collected my Employer Verification forms for the ten years that I have continuously worked for 501 ( c ) 3 organizations as instructed by my loan servicer, which is now Navient. 
In XX/XX/XXXX, I attempted to submit those Employer Verification forms through studnetloans.gov as instructed by Navient but the system did not allow to do so. When I called Navient to inquire about this, they told me that I would need to send the Employer Verification forms to XXXX who processes all requests for Public Service Loan Forgiveness at this time. I faxed all the needed forms to XXXX on XX/XX/XXXX. I called to XXXX regarding receipt of this paperwork on XX/XX/XXXX and was told I needed to wait 30 days to confirm receipts of faxed communication. I called back to XXXX on XX/XX/XXXX and was told they had no record of communication from me but that fax communication may be delayed due to the holiday. 
On XX/XX/XXXX, after speaking to a customer service representative at XXXX and still being told there was no record of me in their system, I was transferred to a Public Service Loan Forgiveness Specialist in the organization who notified me that a denial letter for my application to the PSLF program had been sent to an old address that had been on an Employer Verification form from a previous employer. She stated over the phone that my application had been denied because I had failed to consolidate my Stanford loans into Direct loans when I originally began my income-based repayment in XXXX. However, never between XXXX and XXXX had I been notified by Navient that I needed to consolidate my loans into Direct loans in order to participate in the program, even though I had inquired to make sure I was on track with the PSLF program throughout my 10 years on IBR. During that time I was only told that as long as I made good faith payments on the IBR plan, I could apply for loan forgiveness after completing 120 payments. 
I asked the representative from XXXX to send the denial letter to my current address, and it is attached here. My conversation with the XXXX PSLF representative was the first I had heard about the need to consolidate by Stafford Loans into Direct Loans in order to participate in the program. At that time she advised me that none of the payments I had made on my IBR plan since XX/XX/XXXX would count towards the 120 payments needed to apply for loan forgiveness, but I was never given this information by Sallie Mae or Navient who have been my loan service organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been sending letters to this company that is reporting errors in my credit report and they are refusing to investigate, I have not receive any letters from this company to know if they are investigating or not.
Product: Mortgage

My daughter and I applied for a mortgage with quicken loans. The broker lead me on that the interest rate would be 4.25 % conventional with 20 % down and told me the estimated closing cost would be about {$6500.00}. He never sent me a good faith estimate of the closing cost. After we started to loan process on of the documents that he wanted us to approve was a 2.5 % fee for that rate. ( {$4100.00} ). If we did n't want to pay the fee the rate would be 4.75 %. We did not sign that document. I immediately called him and he said that was the cost for that rate and could not be changed. We sent him an email to cancel the application and return the {$500.00} that my daughter paid him. We were able to find XXXX companies that gave us that rate with no cost. He refuses to close our application and offered to match the offer. We again told him no and he went through with an appraisal after we told him to stop. He again emailed me to talk to him about a different offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, XXXX, XXXX, and Equifax to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Product: Credit reporting or other personal consumer reports

I submitted photos down below that shows exactly when I reached out as well as when issues were reported to kickoff kickoff did not do the proper due diligence in properly securing my account even after ID verification as well as address and email verification they consistently kept someone elses information under my identity, which made it difficult for me to enter my account After exhausting all it took him a total of 21 days in order to fix the error that they committed. I am asking for payment to be deleted. Its inaccurate information thats being reported on my credit report. They did not secure my account accordingly, per their terms and conditions. They exposed my information and failed to rectify the error promptly causing significant harm to my credit file, and I am asking for them to delete since its an inaccurate reporting due to kickoff error. I clearly showed ownership of the email. I also included screenshots and address verification. They still did not fix the issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via Venmo the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... but I still kept THAT old number list on my phone. What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. This was XXXX XXXX after the transaction and the money wasn't taken out of my account by then ... I called Venmo right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. the next day XX/XX/XXXX I contacted my venmo they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from venmo with that number. I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Charge Off : XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} FXXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$1300.00} Collection : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX {$3700.00}