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

I have encountered issues with my consumer report, including inaccurate information such as fraudulent addresses and names. Despite disputing these inaccuracies, my efforts have been to no avail. I repeatedly requested investigations into these accounts. However, each time the investigation returned with a verification status. 

It is frustrating because I provided evidence showing that the addresses were not real, along with identity theft affidavits and police reports. Yet, they failed to thoroughly investigate and remove the fraudulent negative information. This situation has caused me to miss opportunities to obtain credit and has hindered my ability to manage my day-to-day life. I am still dealing with these ongoing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted I.Q. Data International multiple times to inform that the balance associated to an account they hold and have reported to the credit bureaus has been satisfied. I provided proof on XX/XX/XXXX that the account had been satisfied prior to their inaccurate reporting and asked that the correction be made. I then received notice that the account had been added to my credit profile shortly thereafter. I contacted the company again with even more evidence that the amount had been satisfied with the original creditor, XXXX on XXXX, in XXXX of XXXX. As well the matter was resolved within the courts in the same month. I offered to provide the court documents pertaining to the matter, which were refused by the representative I spoke with who assured me that the correction would be made. I also disputed the informations accuracy with the credit bureaus who responded stating that I.Q. Data international states the information to be accurate, when in fact it is not, which I made them aware of from the initial point of contact to which I had to file a complaint due to violation of my UDAAP rights with a representative of the company in question. I have attached initial service receipt that shows when payment was initially processed, I have attached confirmation from operations manager for XXXX on XXXX that payment was in fact received, I have attached both the attorneys affirmation of judgment satisfaction and the motion to satisfy within the courts dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with Transunion, XXXX and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name 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 has violated my rights. 

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 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 collection

I had XXXX XXXX XXXX XXXX  in XXXX. Cancelled at the end of promo and returned the equipment, paid the final bill. I never received any notification that any additional payment was due. A few months ago, I noticed a derogatory remark on my credit report from I C Systems. When I called XXXX XXXX XXXX to dispute, I was told it was from XXXX XXXX. I said that I want to dispute the charge because it was not mine. They emailed me a dispute affidavit and it turns out the account XXXX included in the email was for my old cell phone account. I also requested proof, statements and nothing was ever provided. 

I have personally disputed the charge and XXXX XXXX did as well, to no avail. Additionally, I subscribed to XXXX XXXX XXXX XXXXXXXX XXXX again in XXXX and was approved. Still never had a single notice of any old debt. Also had my cell phone service with them from XXXX, again never heard anything about any past due balance. I do not understand how they can put this on my credit report 10 years later after not contacting me to collect it. This is a mistake on XXXX XXXX XXXX  end and they refuse to be accountable for it.
Product: Credit reporting or other personal consumer reports

This account was never late. During this process in XXXX and XXXX I was running for XXXX XXXX XXXXXXXX The Nation was just impacted by Covid and several floods in the City of XXXX due to Harvey. We were not able to travel due to the storm and then Covid happened. I was told that I would not be charged late fees but I was. I was told that an extension would be provided. I spoke with a manager and a representative and was told this issue would be resolved. It has not been. I no longer have an account with this company yet they are still reporting negative information with the credit bureau. This is against the law and I would like this information deleted, please. They are not authorized to report inaccurate information.
Product: Credit card

American Express failed to return the fund that I paid to an archived Amex XXXX credit card account that has been inactive with {$0.00} balance since XXXX The payment was made on XX/XX/XXXX in the amount of US {$1300.00}. I have a proof of payment for the transaction ( attached ). And I have a recording of the Amex automated telephone system confirming that Amex received and processed the payment in the amount of {$1300.00} in this account on XXXX XXXX XXXX 

Payee account number : XXXX Amount : {$1300.00} Trace number : XXXX Transaction ID : XXXX Sent on : XXXX  Payment effective date : XX/XX/XXXX Payment processed and posted by Amex on : XXXX  ( I have a recording of account payment history by Amex confirming this ) However, despite repeated calls to Amex card customer service to have them return the payment to me, I was given the run-around by the agents. The first Amex agent told me to contact XXXXXXXX XXXX  to recover the fund. XXXX told me Amex no longer transfers the fund paid into the archived Amex account to XXXX. The second Amex agent I called told me internal bank procedure stipulates the fund should be released and returned to originator within 14 business days, and advised me to call back Amex on XX/XX/XXXX to raise an escalation to have the fund returned, if I do not receive the fund back by XX/XX/XXXX. The fund has not been returned by that date, so I called Amex to raise an escalation. The 3rd Amex agent said he can not raise an escalation to return the fund until 60 days has passed. Today, more than 3 weeks after that payment, Amex still is holding my money illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a computer through affirm. However they reported the computer loan through XXXX  XXXX XXXX  and it was deferred. It has been reported late for months when it isnt
Product: Debt collection

asked for a debt validation letter to prove if the debt was purchased by LVNV funding from the original creditor and they were legally able to collect on said debt. Also I asked for proof with my wet signature the validity of the debt that they are currently reporting negatively on my credit report as if I had a contract or legal obligation to them. I have yet to receive this validation. They continue to falsely report inaccurate information on my credit profile monthly in an attempt to collect on an unvalidated debt. Violating ( FCRA ) 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX  {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Other Accounts Equifax # XXXX XXXX XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on XX/XX/2023 and noticed a credit inquiry that I did not authorize. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inactive, and date last reported is not accurate. This ground for removal they also violated my rights under. 15 U.S.C 1681 Section 692 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. Also the Credit bureaus took more that 30 days to complete my investigating.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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. 

Accounts : 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  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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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: Debt collection

On XX/XX/2021 I received a letter from XXXX XXXX  XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by VelocityXXXX XXXXXXXX XXXX 
This is causing me undue stress and sleepless nights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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: Debt collection

They called me yesterday XX/XX/XXXX and I spoke to a representative. I told her I am waiting on my taxes and then I will pay it off. They called me twice today XX/XX/XXXX which is in violation because they can not call me again for 7 days. I called back and told them they were in violation and I want something done about it. It was CBC debt collections calling for my XXXX XXXX XXXX XXXX. I told them today ( XX/XX/XXXX ) to not call me again and that I will call them to pay my debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I became aware that someone used my email address to create a PayPal account, which they then added my debit card to and processed fraudulent money transfers. I have been locked out of that email account by the identity thief. I have no access to the fraudulent PayPal account, and I can not get in touch with PayPal to resolve this matter. I have attempted to call them three times, and they do not have any live customer service agents to speak with. All the automated system does is direct you to go online to the help center. However, the help center requires that I log into the fraudulent PayPal account to request assistance. As previously mentioned, I did not create this account and have no access to it or the email account used to open it. I have also written a letter to PayPal explaining the situation and requesting a callback. The letter was received by PayPal on XX/XX/2020, but I have not heard from anyone. I just need help from a live PayPal representative to close the fraudulent account and ensure that I do not owe any money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : 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

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXXXXXX 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
Product: Mortgage

I am writing to formally lodge a complaint against Selene Finance regarding ongoing issues with my mortgage account management. Despite repeated efforts since early XX/XX/2023, both myself and my assistant, have faced continuous challenges accessing my account, resulting in significant financial harm and stress. 

Issue Summary : Account Access Denied : Repeatedly locked out of the online account system, precluding access to loan statements and account management features. 
Service Disruption : Reported system refresh in XXXX [ XXXX ] exacerbated access issues, with over a month 's delay in resolution. 
Recurring Lockouts : Post-resolution, account access was again revoked, with current inability to log in despite multiple contacts with customer service. 
Financial Consequences : Missed a payment due to an inaccessible account, leading to unjust late fees, account foreclosure, and over {$1400.00} in legal fees to rectify the situation. 
Inadequate Customer Support : Multiple interactions with representatives, including XXXX XXXX and XXXX XXXX, yielded incorrect information and no resolution. 
Impact and Request for Action : The aforementioned issues have not only resulted in financial loss but also considerable distress. The inability to access my own account feels akin to being held hostage for my own loans. The resultant foreclosure and late fees, coupled with legal expenses incurred to bring my account current, are both unjust and unnecessary. 

Therefore, I seek the following resolutions : Immediate rectification of account access issues.

Full reimbursement of all late fees and legal expenses incurred due to this mismanagement.

Assistance in transferring my mortgage to a more reliable servicer.

Formal acknowledgment and rectification of the customer service deficiencies.

Enclosed are detailed records of all correspondence, calls, and interactions with Selene Finance representatives, documenting the chronology of events and failed resolution attempts.

I trust that you will take this complaint seriously and act promptly to address these grievances. The financial and emotional toll of this experience has been significant, and immediate action is imperative. 

Thank you for your attention to this matter.