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

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can the Credit Bureaus verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. 


Thank you for your time and help in this matter. Sincerely
Product: Debt collection

Hello. I received a text from MRS BPO saying I have an outstanding debt with XXXX. I'm current on my bills with XXXX XXXX. They verified I am current and said it must be spam. 
I called MRS BPO, but they asked for my zip code and birth date. I gave them zip, but not birth date in case is it spam. B/c I didn't give them my birth date they said they can't help me. 
the text didn't include any account info and XXXX verified I am current. 

I'm assuming this is spam, but not sure. I can't verify their text or whether I have an outstanding bill somewhere.
Product: Credit card or prepaid card

Called numerous times credit report agencies and the Barclay credit card company account ending XXXX, make disputes. 
On XX/XX/XXXX XXXX  answer to my dispute that MISSED PAYMENTS WERE REMOVED FROM YOUR BARCLAY ACCOUNT. 
After a while this Barclay is reporting my account being XXXX used and i delinquency. 
Made again a dispute today with Equifax and their fraud department told me to make a complaint with CFPB. 
Also, I called credit card Barclay today XX/XX/XXXX told them they PROMISE ME MY NEGATIVE INFORMATION WILL BE DELETED ( CALLED ESCALATION DEPARTMENT ON XX/XX/XXXX IN XXXX after I waited more than XXXX hours to speak with a supervisor ) but, have to give them few days because my account was transferred to a third party company and is in PENDING STATUS AND SHE CAN'T DO ANYTHING WHILE IS PENDING.. 
THEY TOLD ME TO SEND THEM A LETTER ALSO because they have their own dispute department. 


The third party company name is XXXX XXXX. 
XXXX XXXX didn't reported any negative information to my credit report. 

ACTUALLY BARCLAY CREDIT CARD FRAUDULENTLY TRANSMITTED EVERY MONTH THIS NEGATIVE INFORMATION AFTER PROMISING ME THEY WILL DELETED more than year ago .... 

Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, on my Paypal account, I received {$210.00} payment for the digital Item I am selling. Since my account is considered new for the first time payment received, I've waited for the 60 days holding period of my balance. I am not able to withdraw my money. Then, after that 60 days, I am still not able to withdraw my money in paypal. I sent the competed proof that transaction was completed and the buyer did not file a complaint for my sold digital Items and would not cause any chargeback to Paypal, but the Paypal permanently limit my account for 180 days. Please note that this time of pandemic a single cent is very important and I badly needed my hard earned money, that I think paypal should not hold it for another 180 days. 

Appreciate your help on this as really need to those money to pay may house rental.
Product: Mortgage

COMPANY MR.COOPER ( AKA NATIONSTAR ) HAS NOT CREDIT MY ACCOUNT WITH {$3600.00} THAT THEY MISTAKENLY PAID ANOTHER HOMEOWNERS INSURANCE POLICY. 
SPOKE TO THEM ON XX/XX/2019 AND WAS TOLD THAT THE MONEY WAS GOING TO BE CREDITED INTO MY ACCOUNT ONXX/XX/2019.THEY LIED SINCE THE MONEY ISN'T THERE. 
ISSUE BEEN GOING ON SINCE EARLY XX/XX/2019 AND THEY ARE PLAYING GAMES WITH MY MONEY. 
WANT MY MONEY BACK ASAP.THIS ISSUE IS HURTING ME FINANCIALLY SINCE IT SHOWS THAT I AM NEGATIVE ON MY ESCROW INSTEAD OF BEEN POSITIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediately US BANKRUPTCY COURT- ( XXXX ) FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!
Product: Debt collection

The XXXX XXXX XXXX company sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " Remove inquiry '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

Inquiry from XXXX XXXX  on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account.

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

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, I am a customer of PayPal with XXXX on the PayPal website PayPal limited my account XXXX weeks ago and requested for ID card, bank statement and other documents which I provided and PayPal said they would unlock my account in XXXX business day. 

But as it stands now, PayPal has not still unlock my account after I gave submitted the documents XXXX week ago. 

This is very unfair practice and I do hope PayPal can put things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( XX/XX/XXXX ) ( quoting XXXX XXXX of XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit card

I have made a transaction using my Chase Freedom Credit card to purchase a flight ticket on XX/XX/2023. Later, I have decided to change the flight ticket date and tried to contact the Merchant but XXXX  never responded. There is an option in their portal to request cancellation and XXXX  will let me know whether I will get the refund or not. But they have canceled my ticket without my approval or confirmation. They have given me {$10.00} of refund out of {$670.00}. I have tried to reach to XXXX but they never responded to me. 

I have disputed the transaction with Chase company and submitted the required documentation. Chase team keep denied my dispute and they did not provide any response. They keep providing me the reason that my transaction is valid and can not issue credit. I have contacted them multiple times and they ask me to submit the documentation every time I call them. I have re-opened claim for 6 times in past 3 months but they keep giving me the same reason. Today, they told me that the timeline has already passed the timeline and they can't issue credit for my transaction of worth {$660.00}.
Product: Debt collection

My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.
Product: Credit card or prepaid card

On XX/XX/2018 I opened a credit card account with HSBC Bank in response to their invitation letter offering {$150.00} Welcome Bonus with a condition as to spend {$500.00} within three months.

Within less than 3 months we already spend required amount using the issued credit card. I spoke to the bank customer services and they told me that you do not have the welcome reward associated.

I think this bank is running some sort of scheme and misguided the customer.

We have been holding the checking account with this bank since more than 15 years.

Issued credit card number is XXXX  - HSBC Bank Credit Card.

We have closed this account.

If need more information we can provide it.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some inaccuracies and reach out to experian to dispute them. 

Delete items off credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt or credit management

XXXX XXXX misleading me and taking money from my account directly from me. With out fixing my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIME OF IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION RESULTING IN DEBT THAT DOES NOT BELONG TO ME REPORTED TO MY CREDIT REPORT, I AM VERY UPSET THAT HAPPENED TO ME IM A VERY CAREFUL WITH MY PERSONAL INFORMATION THIS PERSON WENT TO GREAT EXTENT TO GET TO MY INFORMATION, I WANT TO GET THAT RESOLVED. I DO THIS REPORT ASKING FOR HELP TO FIX IT.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX Inquiry date : XXXX XXXXXXXX XXXX Inquiry date : XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  XXXX bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Open date : XXXX XXXX.
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, Dept of Education/XXXX XXXX XXXXXXXX, Dept of EducationXXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX Dept of EducationXXXX : XXXX, Dept of Education/XXXX XXXX Dept of Education/XXXX XXXX XXXX , Dept of Education/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, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023
Product: Credit reporting 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 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 XXXXXXXX and list of Inquiries. 

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 card

I noticed a fraudulent inquiry on my credit report. Someone stole my information and has been trying to open up credit cards