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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

I purchased a concert ticket through XXXX on XX/XX/XXXX for XXXX through PayPal. On XX/XX/XXXX I received an email for an invoice request for {$1400.00} I did not purchase anything that day and realized my account may have been hacked. I reach out to PayPal and change my log in information and they investigate the situation. I was skeptical about the XXXX purchase and my accounts being hacked so soon after so I reach out to them to verify that my ticket was valid and legitimate and was concerned as to why I couldnt see the ticket or XXXX code for the event. I ask for a refund explaining the situation they state they can not give me a refund even with my concerns of my PayPal account being hacked. I reach out to PayPal and fill a dispute on XX/XX/XXXX. Then I informed my bank of the situation the same day and they opened a dispute as well. My bank XXXX XXXX did a temporary chargeback on XX/XX/XXXX for {$470.00}. They did their investigation and concluded they did not see signs of fraud and reversed the chargeback on XX/XX/XXXX for {$450.00}. We are now in XXXX and PayPal is saying they can not do anything without getting notification from the bank. I provided PayPal with my bank statements showing the reversed chargeback and they are still not doing anything. XXXX states they are waiting on PayPal to unlock my account so I can resell the ticket since thats the only way I can get a refund and PayPal wont contact my bank for more information. I called my bank and they stated the dispute is closed and they wont do anything else on the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S.C.Code 1666a ( a ).
Product: Student loan

The following letter was sent via inbox/upload email to them ( some modification occurred due to having personal information ) : Good Morning Navient, I have submitted paper works back in XX/XX/2019 about my Navient account history, not reflecting the {$200.00} paid and withdrawn from my XXXX XXXX XXXX   account on XX/XX/ 2019. This will be my second time reaching out. I received an email in my inbox/upload that just showed my account history even after providing the documentation needed to show that {$200.00} was withdrawn from my account. I am therefore provided the documentations once again along with my bank statement and confirmation email I received from your team. I am hoping that we get this solved as I plan on making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with two different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

Thank you.
Product: Credit reporting

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX/CELLULAR Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$0.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$170.00} Account should be removed from my report, original date of account was XXXX. 


Pay Status : XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; XXXX SETTLED-LESS THAN FULL XXXX & XXXX ; PAID COLLECTION XXXX;
Product: Debt collection

this is damaging my credit report. i have no idea of the and need it removed from my credit report
Product: Credit card or prepaid card

I had filed a dispute for a transaction that merchant did not provide services as agreed. I tried to work with merchant but was unsucessful. When WellsFargo revuewed the clsim they provided me with temp credit as my dispute was making sense. When the case went to XXXX  abritation, XXXX declined saying there is no breakdown for price. Wells Fargo also reversed the credit on my account. WellsFargo is not willing to appeal the case saying its costly affair. My question is if the merchant never provided breakdown on actual invoice, how I as a consumer can provide that. The breakdown of charge allocation should be from merchant not consumer
Product: Prepaid card

I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.
Product: Credit reporting or other personal consumer reports

As a result of the CFPB complaint filed in XXXX Equifax stated that the prior paying history on this account has been updated. No it has not. Now the first journal entry is stating from XX/XX/2022 to current. None of the paying history even shows. The account name is incorrect. I opened a loan with XXXX XXXX XXXX not XXXX XXXX. The XXXX XXXX only reports a balance and high credit no correction of the XX/XX/2022 status from when Equifax changed it from " Repo '' to " current ''. Why delete this very important evidence?? By reporting only a balance and a high credit limit but the same account number but a different creditor name gives the false impression of this loan being reinstated which it was not. All XXXX XXXX needs to be deleted. XXXX XXXX XXXX account can be correctly reported or deleted. I have provided many documents which shows the payment history, the balance history, where the balance history is incorrect, my checking account statement which indicate XX/XX/2022 payment was made and this is the reason for the account status change in XX/XX/2022. Since this car was illegally repo to reflect a charge off would be incorrect also. Since I have given Equifax ample opportunity to correct this they must now delete it since they refuse to update missing information like payment history, balance history, correctly report corrected information, and they failed to re-invesitgate using any information I provided as evidence and only report what the creditor is stating which is incorrect.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, including inaccuracies in the reported amounts and dates.
Product: Credit reporting or other personal consumer reports

Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time. 
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
Product: Checking or savings account

A previous complaint I submitted they sent notice saying it was paid back by retailor or the bank, they don't know which but they say it's resolved. 
It is not resolved, I want an itemized accounting of my account showing what comes out and what went in to match dollar amounts, not just " we take it off your statement when it's credited back '' prove to me the monies were put back in my account. 
Pretty scandalous you remove the transaction from my statement and claim it was settled. 
Show me
Product: Credit reporting or other personal consumer reports

Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to numerous glaring discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Reporting Agencies : TransUnion , Experian, Equifax **Inconsistencies Noted : ** XXXX. **Account Status Discrepancy** : The account is reported as " Charged Off '' on different dates across agencies. TransUnion and Experian indicate a charge-off date of XX/XX/XXXX, while Equifax shows a different date. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Balance Inconsistency** : The reported balance varies significantly across agencies. TransUnion states the balance as {$19000.00}, while Experian lists it as {$10000.00}. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Monthly Payment Reporting** : The monthly payment amounts are reported inconsistently. The payment frequency is confusingly marked as " Monthly '' in some reports and not in others, creating ambiguity regarding my payment responsibilities.

4. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent statuses ( e.g., " 120 '' and " CO '' ). This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

5. **Date of Last Payment** : The date of last payment is reported inconsistently, with TransUnion showing it as XX/XX/XXXX, while Experian and Equifax report different dates. This inconsistency further undermines the accuracy of my credit profile.

The continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, leading to potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opening this complaint in response to National Credit Systems not doing anything with previous complaint XXXX. NCS response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client NCS is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 ( XX/XX/2017 ). National Credit Systems can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize charge in the submitted police report. Please DELETE this item from my EXPERIAN credit profile as it is causing serious harm to my credit profile.
Product: Debt collection

Today, XX/XX/XXXX, I got an alert from XXXX XXXX, that a New Collections Account from Jefferson Capital XXXX had been added to my XXXX  XXXX file for an old XXXX XXXX bills, that I had previously disputed with CFPB back in XXXX. I have never received anything from Jefferson Capital and do not understand how they are able to add an item to my credit report without first contacting me so that I can dispute. I spoke with a Representative from Jefferson and advised that " I DO NOT OWE THIS DEBT TO XXXX OR TO JEFFERSON AND PLEASE VALIDATE THE DEBT ''. He advised that they are the owners and I now owe this factious debt, I still advised that " I do not owe this amount to you or XXXX '', please remove from my credit file for XXXX  ASAP. 

Thank you XXXX XXXX
Product: Credit card

The first problem has been ongoing for about a year Mercury credit card simply kept losing my payments. 
The real complaint is that Mercury is now using Extortion to force everyone to ONLY get a online statement and if I don't agree via their email they will immediately cancel my account. Keep in mind that I've ALWAYS paid my bill in full and on time yet they are allowed to threaten me, have my XXXX XXXX lowered all because they refuse to spend any money on processing payments made via the mail. This is plain wrong and by threatening us they make it pure extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00}XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XX/XX/XXXX XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX : {$980.00}XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXX XXXX, GA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$980.00XX/XX/XXXXXXXX Balance : {$42000.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Mortgage

Our daughter XXXX six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.
Product: Checking or savings account

I have filed a XXXX XXXX and await them to mail it to me. 

My name is XXXX XXXX, and I am writing to seek your assistance regarding an issue I am experiencing with Cash App. Recently, I filed a claim for a fraudulent charge of {$350.00} that appeared on my account. Cash App initially stated that they would refund this amount ; however, they have since denied my claim. 
Despite providing all the necessary documentation and evidence to support my case, I am still awaiting the promised refund. The charge in question was due to fraudulent activity, and I believe it is unfair and unjust for me to bear the financial burden of this transaction. 
I am contacting you to help you mediate this situation and ensure that Cash App fulfills its initial promise to refund the fraudulent charge. 
Thank you for your attention to this matter. I'm looking forward to your quick reply and help. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO THANK YOU MY PROBLEM IS FOR THE PAST 4 MONTHS IM NOT EXAGGERATING EVERY SINGLE WEEK I HAVE TO SPEND TIME ON THE PHONE CALLING ALL THE CREDIT REPORTING AGENCY BECAUSE A FRAUD ALERT GETS DDED ON MY REPORT YES NOT DELETED BUT ADDED IT IS HINDERING ME FROM APPLYING FOR CREDIT I HAVE CONTACTED ALL 3 AGENCIES AT THE SAME TIME AS IM AWARE THAT ONE COMPANY IDENTIFIES AND COMMUNICATE WITH EACH OTHER RE FRAUD ALERT HOWEVER IN THIS CASE THEY ARE PLAYING THE BLAME GAME XXXX BLAMES EXPERIAN EXPERIAN BLAMES XXXX AND XXXX BLAMES XXXX ITS NEVER ENDING IT GETS REMOVED FOR LIKE 4 DAYS ONLY TO BE PLACED BACK ON THE REPORT AGAIN SO WHAT HAPPENS IS IF I TRY TO APPLY SOMEWHERE THEY AUTOMATICALLY DENY MY BECAUSE THERE IS A FRAUD ALERT ON MY REPORT I KNOW ITS MY RIGHT TO HAVE AN E=ALERT PLACED ON MY FILE HOWEVER THERE IS AN APARTMENT BUILDING THAT THERE POLICY IS NOT TO ACCEPT ANY ONE THAT HAS A NY KIND OF ALERT ON THERE FILE THEY JUST DO N'T WANT TO GO THRU THE PROCESS OF THAT SO THERE FOR I WANT FRAUD ALERT PERMANENTLY REMOVED AND THE ONLY WAY OR REASON THEY SHOULD PUT IT ON IS IF IT IS PLACED ON THERE FROM ME ONCE THEY HAVE IDENTIFIED ME AND NO ONE ELSE