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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 4 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.
Product: Student loan

I graduated from XXXX XXXX XXXX. with XXXX degree in XXXX. I XXXX XXXX XXXX for post XXXX XXXX from XXXX, and consolidated my federal government student loans in XXXX. In XXXX the Biden Administration was doing One-Time Payment Count Adjustment to grant loan forgiveness. based on the recount I have exceeded the 20 years payment and should have received some forgiveness. I contacted StudentAid.gov and they said they would be getting to my loans by the end of XXXX. I continued to reach out to get the one-time count adjustment and was directed by StudentAid. gov to reach out my loan servicer. my servicer is AidVantage ( previously XXXX ) and they told me to reach out to studentaid.gov. i sent multiple inquiries, complaints, and escalations to AidVantage and StudentAid.gov. I was told by my servicer that when i consolidated, my loan payments were reset to XXXX. They are not adhering to the one-time recount. Their practices are shady and had i known, i would have never consolidated with this company. 'AidVantage ' ( XXXX ) was intentionally misleading and has shady busy practices.
Product: Checking or savings account

I went to Bank of America to deposit a check and they gave me documentation stating funds will be available XX/XX/2024 at XXXX. Its now the XXXX and I went to the bank to get the money and they told me their holding on to the check for their enjoyment it would seem.
Product: Money transfer, virtual currency, or money service

Dear CFPB, My name is XXXX XXXX XXXX. My complaint is against PayPal. My PayPal merchant ID is XXXX. I am the XXXX XXXX at our local church by the name of XXXX XXXX XXXX. I started the PayPal account for our XXXX XXXX charity operations. I am writing to complain about the unscrupulous business practices of PayPal. Since around XX/XX/2020 my account has been frozen and I am no longer able to conduct business with my account. PayPal allows me to receive payments from my e-book customers, donors and friends but I am not allowed to make any payments or withdrawals from my account for three consecutive months now. PayPal 's compliance department requested for official documentation including bank statements and proof of address which I gladly provided. PayPal has since repeatedly promised to call me directly on several occasions but has never called. I sent messages through the PayPal message center concerning this but they gave no explanation as to why they have repeatedly failed to contact me as promised. I have sent repeated messages complaining about this issue. Some of my messages are completely ignored. I have over USD {$26000.00} in this account. I have bills and employees to pay. My credit is being adversely affected because of the freeze on my account. I have submitted all of the official documentation required by PayPal 's compliance department but even after I submitted the documents PayPal went quiet. Their operations are very suspicious and I fear that my funds may have been stolen by PayPal. 

Any assistance CFPB can provide in this matter will be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

From XX/XX/XXXX through XX/XX/XXXX, I made cash payments in the total amount of {$9100.00} for mortgage due dates : XX/XX/XXXX through XX/XX/XXXX. 

SunTrust records indicate that my mortgage account is delinquent for XXXX and XXXX, XXXX. 

XXXX XXXX of SunTrust Mortgage confirmed that my last payment on XX/XX/XXXX in the amount of XXXX was NOT applied to the principal ( see attachment ). Instead, SunTrust Mortgage misapplied my funds to a " SUSPENSE ACCOUNT '' for escrow payments. My contract does NOT include escrow payments ( see attachment ). 

I must pay XXXX 's mortgage payment soon, but SunTrust warned me that any future payments will be applied to any and all past due amounts. 

In USA, CFPB and 50 States v. SunTrust and among other civil actions, ( including 1-14-cv -- 01128-RMC ), the court has ruled in favor of the mortgagor when facts include deceptive acts and practices by the mortgagee. 
On the following dates, I spoke with SunTrust but to NO avail. 

Date SunTrust Customer Service Time Outcome XX/XX/XXXX XXXX XXXX by phone/email XXXX no response XX/XX/XXXX XXXX XXXX by phone XXXX no response XX/XX/XXXX XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response I have attached documents for your perusal. I look forward to hearing from you soon. Thank you in advance for your consideration.
Product: Debt collection

I need to report violations of the FDCPA by XXXX and XXXX XXXX XXXX in regards to an alleged debt in my name. XXXX is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork XXXX sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/XXXX7. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist XXXX filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments XXXX has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Balance : {$620000.00} XXXX  XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days. 

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it otherwise. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, yet my credit report still lists outdated addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.
Product: Credit reporting or other personal consumer reports

fraudulent EQUIFAX, TRANSUNION XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX # XXXX BALANCE {$4100.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : SELF EMPLOYED// EMPLOYER : XXXX EMPLOYER : XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In acc

ordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected
copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ChexSystems, Inc. regarding their unauthorized use of copyrighted material. This complaint is being simultaneously filed with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to address the infringement and seek appropriate remedies. 

Despite my attempts to resolve this matter directly with ChexSystems by notifying them of the infringement and requesting cessation of the unauthorized use, they have failed to respond or rectify the situation. This lack of response and disregard for copyright law necessitates formal intervention by regulatory bodies such as the CFPB and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified Experian that I am a victim of identity theft. In return, Experian told me that the fraudulent discover account does belong to me. I would like for Experian to tell the method that was used to verify this fraudulent account. and when.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 years of so there has been a technical glitch not allowing me to access my equifax account. I previously created a login under my email : XXXX. However now and for the last year it requires me to verify a code link that it is sending to this email. It also gives me the option to send it to my phone number. However each time when I verify by either of the above method, it times out and displays a technical error saying to call. Several times and many hours spent on the phone trying to resolve. This is a free service given to every american citizen but me. I want to be able to monitor and dispute my equifax score thru the website like every other american has the right to. I am having to open disputes by phone instead, subject to extremely long hold times. I am impacted by covid19 and this is not helping. Please remedy immediately so I can log in. Provide written instructions of this to my email and in response to this complaint. Please print and mail a hard copy of all prior disputes and the result that have been opened. This is needed asap. The next step will have to be attorneys and a judge to force it with supboenas. If this happens civil suite will be filed. Thank you.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the account. This is identify theft
Product: Debt collection

ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STATUE DIDNT NOT HAVE THE CITY AND STATE SPELL OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXX IN. THAT'S WHAT SUPPOSE TO BE IN ALL 3 BUREAUS SHOWING THE SAME
Product: Credit card or prepaid card

I've provided this information along with photo evidence to Chase and they denied me my money back. I returned the products back, XXXX lost my packages, and the merchant won't return my money. 

To provide a comprehensive understanding of the timeline and events, I would like to present the following information : On XX/XX/XXXX, I initiated the process of returning the purchased purses to XXXX XXXX and contacted their customer service to request return labels. 
XXXX XXXX subsequently emailed me a link to generate XXXX return labels on the same day. Regrettably, I no longer have access to the label or the specific address that theyve provided in that label due to the expiration date. I have included photographs of the label generation email for your reference and Ive provided the links to the return labels. 

On XX/XX/XXXX, I dropped off the packages at a XXXX location, using the same box that was sent by XXXX. 

On XX/XX/XXXX, I realized I havent heard back after several weeks had passed and Im still out of money. I reached out to XXXX XXXX to inquire about the status of my return. They initiated a XXXX claim on my behalf. 

However, on XX/XX/XXXX, XXXX XXXX informed me that the claim had been denied, could not be reopened, and that I would have to contact XXXX to see why it was denied. I was not provided with any details or reasons for the denial by XXXX, making it exceedingly difficult to address the issue effectively. 

In my subsequent communication with XXXX, I discovered that I had not been provided with a claim number from XXXX XXXX, rendering XXXX unable to assist me directly. 

On XX/XX/XXXX, I examined the tracking details for my packages and was dismayed to learn that they could not be delivered and were being disposed of by XXXX. 
Frustrated by the lack of progress, I took the initiative to open a XXXX investigation through their online portal using the provided tracking numbers. 

On XX/XX/XXXX, I initiated a dispute with Chase, seeking resolution regarding this transaction. 

On XX/XX/XXXX, I received an email from XXXX inquiring whether I had received a replacement order or my original package. Unfortunately, I did not receive a replacement, and my original package remains undelivered to this day. 

I then received a letter than Chase denied my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent bank accounts that have been reported under my name and request their immediate removal from my record. 

Upon reviewing my consumer report, I found accounts I did not open or authorize, which I believe resulted from identity theft. The details of the accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I am writing to ask for an investigation of accounts I have never opened. Please remove these from my Early Warning report. Ive attached a copy of my report. Remove the unauthorized inquiries.
Product: Vehicle loan or lease

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account Bank of America auto loan/ XXXXXXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.