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

For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for XXXX accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights
Product: Debt collection

The debt collector didnt send me a letter, didnt give me the chance to communicate nor negotiate and kept reporting me for the amount I paid, its is not loan nor a debt. I already paid the school what I owe them and they keep Harassing me over the phone. 
I have attached the payment confirmation from the school back in 2020
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( XXXX XXXX XXXXXXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( XXXX XXXX XXXX. 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit card

XXXX XXXX took over my US airways reward credit card. We got lots of information asking us to activate our cards with AA to receive special offers. We paid off our US airways card and did not activate the new XXXX cards because we did not want to take part in their offers. Now I am getting harassed about owing a fee on a card I do not want.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed on my account by mistake, and I respectfully request that you re-investigate my case and restore my account if possible. 

I would like to emphasize that I have not violated any PayPal policies. I have always complied with PayPal 's terms and conditions, and I have never engaged in any activities that could be considered fraudulent or suspicious. Therefore, I believe that the limitation placed on my account was unjustified and should be lifted. 

I understand that PayPal takes security very seriously, and I appreciate the efforts made to protect its users. However, I strongly believe that my account was flagged in error, and I would like to provide any necessary information to help resolve this matter. 

I kindly ask that you conduct a thorough investigation of my account and the activities associated with it. I am confident that this investigation will demonstrate that I have done nothing wrong, and that my account should be reinstated. 

In conclusion, I urge you to reconsider your decision to permanently limit my PayPal account. I would greatly appreciate the opportunity to continue using PayPal, and I am committed to complying with all of PayPal 's policies and procedures in the future. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX # XXXX was a charge off on XX/XX/year>. Since then the account has been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You didnt investigate this account properly after I asked you to do it TWICE and has violated my consumer rights. You neglect to show an 100 % accurate reporting is also violating those rights. In demanding a deletion of the following account : XXXX XXXX XXXX account # : XXXX
Product: Vehicle loan or lease

All of my personal and professional items was in vehicle when repossession accrued. I have lost my residence and small business due to this repossession I have purchased from this company before and had no problem other then them not communicating that payment was on time which caused my credit score to stay low hence the outrageous interest rates that only helped the company profit. There has been court proceedings against this company in recent years they are scamming the everyday XXXX this is unacceptable.
Product: Debt collection

I have a debt collection for medical expenses that are not mine. I have no knowledge of the company reporting this derogatory account. I did not authorize these services nor do I recall this event.
Product: Checking or savings account

On XX/XX/2023 I received a debit card from Chime.com, a fintech company. I do not know who they are. I figured out that they or someone had opened a checking and savings account in my name. I have been contacting them to close the accounts and remove my info from their system and they refuse to do so. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chapter XXXX Bankruptcy : Bankruptcy
Product: Checking or savings account

My purchases were declined by bank of america in merced California. I was told to look at declined transactions just not told to accept current activity they declined. I accepted an next day they locked card again with no activity..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX, XXXX XXXX, and Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Product: Mortgage

On XXXXXX/XX/year> I realized I made two mortgage loan payments for the XX/XX/year> payment. Both payments each of {$3100.00} were submitted via ACH from my checking account. It took JP Morgan Chase over five days to process the request for a refund of the electronic ACH OVERPAYMENT i made. It wasnt until XX/XX/year> when Chase mortgage processed the overpayment. As of today, XX/XX/year> the {$3100.00} overpayment is not credited back to my account. I have repeatedly asked Chase to locate my money and they suggested I call XXXX a transaction processing company that speaks only to businesses not people. My bank told me the funds were not received. This is causing me hardship because I dont have the {$3100.00} to make other payments. Please request Chase locate my overpayment and credit my account today which is taking too long ; 11 days after my initial request. Thank you.
Product: Credit card

I've unfailingly ensured that payments on this account are made promptly, avoiding any instances of overdue bills. Nevertheless, I'm unclear as to why there are reports of late payment annotations on my records. According to 15 USC 1666b - Billing Error, this discrepancy should be corrected.
Product: Debt collection

Never received any written notice validating this debt. 

They just posted to my credit report stating I have an open account with them. 


I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. The Portfolio Recovery has not provided any information about this debt aside from an alleged amount owed. 


Per 15 U.S. Code 1692c - A. this creditor is in direct violation. I would like this removed from my credit report until they can written provide proof or validation of this debt.
Product: Debt collection

I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute. 

XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing. 

I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.
Product: Mortgage

Okay so on XX/XX/XXXX I called the company that Services my mortgage loan to ask why they are trying to charge me close {$1900.00} US dill in deficiency escrow account I advise them that I've been paying my bills on time taxes have not gone up more than {$70.00} in 2 years and my insurance probably went up {$100.00} in the past 2 years so this is not adding up. 
They kept giving me the runaround transfer me to XXXX different departments without giving me any real concise credit of what's Happening therefore I feel they are stealing from me and they are paying the taxes late and charging me the late fees and whatnot
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.
Product: Debt collection

I have filed numerous complaints against national credit services to validate a debt and disputed the debt with Experian multiple times. Attached are the FTC complaints that were also sent to Experian and national credit services. I was a victim of identity theft last year and it has continued. Experian has not removed the trade line from my account as required by law and national credit services has not validated this debt neither has the originating company. It has to be removed by law until it's validated and I have evidence that they can confirm that is actually me who rented this unit.
Product: Mortgage

Misleading advertising stating rates are below 3 and there were no loan product available below 3 %. 
XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

ON XX/XX/XXXX I FILED CHAPTER XXXX BANKRUPTCY WITH ATTORNEY AT THE EASTERN DISTRICT COURT. CAPITAL ONE AUTO FINANCE RECEIVED A ELECTRIC TRANSCRIPT FROM THE BANKRUPTCY COURT ON THIS MATTER ON XX/XX/XXXX. I HAVE RECEIVED MY DISCHARGE FROM BANKRUPTCY ON XX/XX/XXXX AND ONCE AGAIN CAPITAL ONE RECEIVED NOTICE FROM THE BANKRUPTCY COURT ON THIS MATTER. ON MY XXXX XXXX CREDIT REPORT DATED XX/XX/XXXX IT SHOWS THAT CAPITAL ONE AUTO FINANCE BALANCE XXXX DATE UPDATED XX/XX/XXXX PAY STATUS ACCOUNT INCLUDED IN BANKRUPTCY AND IT SHOWS DATE CLOSED XX/XX/XXXX. SO ONCE XXXX XXXX RECEIVED INFORMATION REGARDING THIS ACCOUNT THEY WENT AHEAD UPDATED THIS ACCOUNT AS INCLUDED IN BANKRUPTCY AND CLOSED THE ACCOUNT SINCE IT WAS PART OF MY BANKRUPTCY AND IT WAS GOING TO BE DISCHARGED.. I HAVE RECEIVED ALERT FROM XXXX XXXX THAT ONE MY ACCOUNT HAD A CHANCE I HAVE A MONITORING ACCOUNT WITH XXXX XXXX SO IF I HAVE ANY CHANGES ON MY CREDIT REPORT I WILL GET NOTIFIED ABOUT IT, SINCE XX/XX/XXXX I NOTICED THAT CAPITAL ONE AUTO FINANCE WILL UPDATE THE BALANCE AS XXXX ON THE ACCOUNT EACH MONTH. WHY WOULD THEY UPDATE A DISCHARGE ACCOUNT THAT WAS INCLUDED IN BANKRUPTCY EACH MONTH. I CONTACT XXXX XXXX TO FIND OUT AND THEY SAID I COULD OPEN A DISPUTE WHICH I DID AND I EVEN OPEN A DISPUTE WIWTH CAPITAL ONE AUTO FINANCE. JUST LAST YEAR ON XX/XX/XXXX CAPITAL ONE AUTO FINANCE CHANGE THE DATE CLOSED DATE TO XX/XX/XXXX. SO ONCE AGAIN WHY WOULD THEY CHANGE A DATE ON ACCOUNT THAT WAS DISCHARGE 3 YEARS LATER. I OPEN A DISPUTE WITH XXXX XXXX ON THIS MATTER NOT ONCE BUT SEVERAL TIMES AND I REACH OUT WITH CAPITAL ONE AUTO FINANCE ON THIS MATTER WITH NO LUCK THIS ACCOUNT IS PART OF MY CHAPTER XXXX BANKRUPTCY THAT WAS DISCHAGE ON XX/XX/XXXX THAT IS 3 YEARS AGO AND WHY WOULD THEY UPDATE ACCOUNT TO MAKE MORE CURRENT. ARE THEY TRYING TO RE AGE A DISCHARGE ACCOUNT TO MAKE MORE CURRENT.. IN THE LETTER THEY SENT ME THEY STATE THEY ARE REPORTING CORRECT TO THE CREDIT BUREAU WHICH IS NOT TRUE, IT THE JOB OF THE CREDITOR TO REPORT 100 PERCENT TO THE BUREAU. I FORMALLY REQUESTING .THAT CAPITAL ONE AUTO FINANCE VALIDATE THIS TRADE LINE WITH XXXX XXXX UNDER ACCOUNT NUMBER ENDING XXXX. DUE TO POSSIBLE INACCURACIES IN THIS CREDIT REPORT I DEMAND THAT THE VALIDATION I HEAEBY REQUEST BE IN THE FORM OF A VERIFIED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY WAS NOT A PROFIT LOSS TAX DEDUCTION. I NEED TO SEE ALL DOCUMENTS ON THIS ACCOUNT.
Product: Debt collection

I constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi
Product: Student loan

The university XXXX XXXX financial advisor did not tell me this was going to be an unsubsidized student loan. There was no explanation other than a lie which was told to me there were no other fundings available to me. This was the only unsubsidized student loan that was taken out against me all the others were federally subsidized student loans. So this financial advisor lied to me in order for me to have a subsidized private loan
Product: Debt collection

This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble communicating effectively with Equifax in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for the county where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX. pacific. Equifax has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. Equifax works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to Equifax but their known fax numbers do not seem to be working any longer. I need a working fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, MY CREDIT REPORT CONTAINS INACCURATE INFORMATION. I HAVE ATTACHED THE FOLLOWING DOCUMENTS FOR FURTHER REVIEW.
Product: Checking or savings account

CFPB XX/XX/year>24 I am the owner and beneficiary of a XXXX XXXX XXXX XXXX XXXX XXXX  with the funds in CDs. This week I wanted to change the beneficiary of this account to my grandson. When I began completing the change of beneficiary form I was puzzled by the language in section 3 of the form which deals with transfers. I immediately contacted the XXXX XXXX customer service telephone number to make sure I understood the language in the forms. 
I spoke to two representatives at two different times and each confirmed what I had gathered from the form ; that is, when a beneficiary is changed, any CDs in the account are redeemed and repurchased thereby incurring heavy penalties. When I enquired as to why this automatic procedure when there is no change in ownership, I was told that its their procedure and thats it. In addition, I was told there was no one to speak with that could address the issue I brought up. It is at that point that I thought I should contact the CFPB since there are many individuals and families that are affected by this procedure that negatively affects customers with unnecessary redemption penalties.