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

The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, Sec. 623.

Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My name is XXXX XXXX. Chase bank has been holding my funds from a deposited check for almost XXXX business days. I deposited the check on XX/XX/XXXX. They informed me the funds will be available on XX/XX/XXXX. That is an unreasonable amount of time. I called the company, and they redirected XXXX times for a total of XXXX hours. I still have yet to receive a resolution.
Product: Student loan

I'm sure, I am not the only person. But seek help through student advocate, which in- return set me up with equitable acceptance. I have been paying for a year and have only paid XXXX off on a " 24 month '' plan. 

Account History Amount Financed : {$1300.00} Contract Balance : {$1000.00} PDF Show entriesSearch : Date Description Amount Balance XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$18.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} And to find out that nothing has went to student loans and my student loans have actually went up {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MERCEDES BENZ FINANCIAL. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Product: Mortgage

I have been trying to get a loan to purchase a home for 2 years now and I keep getting denials do to being XXXX and having a fixed income. I have cleared everything on my credit report but my credit score is still low. The credit agency are no help with fix anything what do I do? I feel like I'm being discriminated against because I'm XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns Experian accessed via the URL usa.experian.com For several months I have been unable to login to my account on Experian. I tried the self-service tools on the website for UserID and/or Password recovery but they do not work and always lead to a message instructing you to call Experian customer service. I have tried calling Experian customer service dozens of times over a period of months but the automated voice response system often disconnects the call requiring you to call again. Not once have I ever reached a representative to assist me with my problem. 

I still receive email alerts from Experian but without the ability to login to my account I am unable to intelligently react to these alerts.
Product: Credit reporting or other personal consumer reports

i have credit inquires that i am not aware of
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, $ XXXX has been transferred from my paypal balance to PAYPAL without my authorization. At the first stage, paypal says there is a problem with my paypal account and they didn't tell me what happened but closed my account without a reason, then they told me I can withdraw the balance after 180days, because the money will be on hold for 180days first. However, when I checked my account on XX/XX/XXXX, I found NONE balance on my account, so I checked the recent activity and found the balance was transferred to PAYPAL. I tried to get help but it seems very useless. I thought I can get help from CFPB. The email linked to my paypal is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX appeared on my EXPERIAN credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not authorize the use of my credit card by Equifax. I received no benefit from the inquiries that are on my consumer report. 15 usc 1602 ( p ) unauthorized use.
Product: Debt collection

Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On [ XX/XX/2023 ] I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX Account XXXX. Per USPS records, you received my dispute letter on [ XX/XX/2023 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2023. Therefore, your response was due on or by XX/XX/2023. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming ACCOUNT HAS BEEN UPDATED. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because ACCOUNT WAS UPDATED. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to Transunion every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, in light of the CPFB lawsuit highlighting issues with the platform. Despite using Zelle numerous and reporting discrepancies, my financial and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CPFBs findings indicate that Zelle was has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving me vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

Lendmark Financial in XXXX XXXX has repeatedly called me, my place of employment, my relatives over and over and over. When I contacted them to tell them to stop, they said I should have told them I'm in a debt collection program. But as per instructed by my debt collection company, XXXX XXXX, I was not returning calls. But it got to the point of harassment. When I said, I didn't have to tell them and to send it to collections if they have to and the company would take care of it, she said it would be too late by then. XXXX, at the location on XXXX XXXX I believe said ok, we'll go ahead and send it to our attorneys and they'll garnish wages or whatever they have to and continued talking over me. I told her in a not so nice way to stop talking. I said one profane word and she said " oh, aren't you a teacher '' as if threatening to call my work and report some sort of behavior. This is ridiculous. I'm not sure how people like her even get in supervisor roles. The number to my debt relief company was updated to my profile for Lendmark Financial, yet, they have not called that number and continue to harass me at work, personally and my relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you provided is different from other bureaus. This account is reporting late, in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Dates of Late Status : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation onXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it needs to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






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

I HAVE ATTEMPTED TO CONTACT THIS COMPANY MANY TIMES, BECAUSE THE ORIGINATOR OF THE BILL, HAS WRITTEN IT OFF, BECAUSE ITS A MEDICAL BILL THE HOSPITAL HAS A FINANCIAL AIDE SERVICE FOR CASES LIKE THIS., THE COMPANY/HOSPITAL OFFERED, FINANCIAL ASSISTANCE AND I ACCEPTED TO CLOSE THIS ACCOUNT BUT THE COLLECTION DEPT KEEPS CALLING ME WHEN I FOUND OUT THAT THE CREDIT CONTROL COMPANY IS SUPPOSE TO WRITE MOST OI AS WELL AS THE OTHER COMPANY. THE SAME IS TRUE WITH XXXX XXXX  OF XXXX NC. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, NC XXXX CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

On XXXX XXXX, XXXX Bank of America sent me a copy of the appraisal used to estimate the market value of my home. According to the letter appraised value of my home is {$380000.00}. When I reviewed the appraisal completed by Bank of America I found the report based on incorrect information using my home was built in XXXX. I gathered information from the XXXX XXXX XXXX XXXX XXXX 's public records. According to XXXX XXXX Assessor records ; my home XXXX XXXX XXXX XXXX, CO XXXX was built in XXXX XXXX Story/Ranch, Total Above Grade Area XXXX. XXXX XXXX XXXX {$360000.00} and XXXX XXXX XXXX {$29000.00}. 
The XXXX comparables used by Bank of America were ; XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX. XXXX XXXX XXXX {$430000.00} and XXXX XXXX XXXX {$34000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX XXXX Market Value {$400000.00} and XXXX Assed Value {$31000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Area XXXX, XXXX Market Value {$350000.00} and XXXX Assed Value {$27000.00}. 
I want Bank of America compare with XXXX home with same sizes and XXXX story home with my home.
Product: Credit reporting

I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated. 


I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I do not have an account or any knowledge of Portfolio Recovery Associates, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. 

I do not have an agreement or contract with this company, and am at will to sue. '
Product: Credit reporting or other personal consumer reports

I have sent in disputes for these inaccurate unverified accounts. They have several inaccuracies in the date of last activity and status dates between all 3 bureaus for all of these accounts. These accounts are inaccurate and incomplete and are a violation of the FCRA. They need to be deleted immediately. DELETE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THE PAYMENT HISTORY FOR THESE ACCOUNTS ARE INACURATE AND UNVERIFIED. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY OF THESE ACCOUNTS. ( I WAS NEVER LATE ) THESE ACCOUNTS NEED TO BE UPDATED TO PAID ONTIME/NEVER LATE FOR EVERY MONTH IN THE ENTIRE PAYMENT HISTORY FOR EACH ONE. UPDATE THESE ACCOUNTS TO PAID AS AGREED/NEVER LATE IN THE PAYMENT HISTORY FOR EACH MONTH ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX