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

Subject : Urgent Assistance Required : Equifax Reporting Inaccuracies and Dispute Process Obstruction Dear Consumer Protection Bureau, I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling situation I am facing with Equifax, which has severe implications for my financial well-being and consumer rights. I have been actively engaged in an ongoing dispute process with Equifax to rectify inaccuracies on my credit report. Despite providing substantiated and precise information, I am currently unable to access my account to continue the dispute process. This obstruction severely hampers my ability to address the reported inaccuracies, casting doubt on the fairness and transparency of the process. Moreover, I have discovered a significant and alarming disparity between the terms outlined in a signed contract and the information being reported by Equifax. The contractual agreement explicitly states a monthly payment of {$450.00}, while Equifax 's records inexplicably reflect an inflated amount of {$490.00}. This glaring discrepancy is having a detrimental impact on my credit standing and financial reputation. In addition, I find it deeply troubling that the creditor appears to have the authority to impose unjustified late payment charges during an ongoing litigation and pending lawsuit. This practice not only contradicts ethical lending standards but also undermines the integrity of the dispute resolution mechanism. I implore your immediate intervention to address these critical issues and safeguard my consumer rights. Your expertise in upholding fair practices and ensuring accurate reporting is indispensable in achieving a timely and equitable resolution. Please feel free to reach out to me at [ ( XXXX ) XXXX XXXX ] to discuss this matter further. Thank you for your prompt attention and support during this urgent situation ps. i've already sent a certified letter into disputes and XXXX digital through automated processes that's {$2000.00} per dispute XXXX until the inaccuracies are fixed litigation processes are not stopped until court has made a determination on the ongoing litigation against public auto finance. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I used my PayPal account for a transaction of XXXX GBP ( Transaction ID : XXXX ), On XX/XX/XXXX then got a notice from PayPal requesting some documents for verification as i have almost reached my yearly limit, I uploaded documents for id and address verification and almost immediately after clicking the submit button, I got notice that my account has been limited. I believe this might have been an error with the auto security feature with PayPal, I use my PayPal account to make payments online and pay for some subscription services. I do sometimes receive payments from friends and acquaintances here and there. will be glad if PayPal can review my account to verify my humble request and restore my account. 

I tried reaching customer care but was getting auto responses
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, Infiniti Financial, AKA Nissan Motor Acceptance Corporation ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite uses Zelle, numerous times and report and discrepancies, my financial institution, and Zelle failed to investigate Claims adequately. They informed me that recovery laws funds was impossible, and that the tracking these transactions were Unfeasible. The CFPBs finndings indicate that they have not only neglected to protect Consumers also allow offenders to exploit the System, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 69 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 69 days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is continuing to report a late in XX/XX/2014, this account has never been late.
Product: Bank account or service

We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( Transunion, XXXX, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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

after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report. 
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request. 
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request. 
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt from my Credit Report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX Owed : {$2100.00}
Product: Debt collection

I am filing a formal complaint against True Accord and XXXX XXXX XXXX regarding their failure to validate the alleged debt they are attempting to collect, and for XXXX  improper reporting of this debt to credit reporting agencies ( CRAs ). These actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Issues with True Accord : Despite multiple requests, True Accord has failed to provide sufficient validation of the alleged debt or evidence of their authority to collect it. Instead, they have provided generic letters that do not meet the legal standards for debt validation. Specifically : 1. Failure to Validate the Debt : Under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34 ( a ) ( 1 ), True Accord is required to provide documentation that substantiates the debt and proves their authority to collect. The documents they provided lack : - A clear assignment of the debt from Celtic Bank, the original creditor.

- A signed agreement demonstrating my acknowledgment or liability for the debt.

2. Non-Compliant Communications : The verification letter provided fails to explain the chain of custody of the debt or substantiate its validity, in violation of federal guidelines. 
XXXX. Unlawful Collection Practices : The debt was marked as charged off by XXXX XXXX  on XX/XX/year>, as stated in XXXX  verification letter. This raises significant questions about True Accords right to collect on the debt, given the lack of proof of assignment or ownership. 

Issues with XXXX XXXX XXXX : XXXX  continued reporting of this account to CRAs is improper and harmful to my credit profile, in violation of the FCRA. Specifically : 1. Inaccurate and Incomplete Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), XXXX is obligated to provide accurate information to CRAs. Reporting a charged-off account without reflecting its current status or its transfer to a third-party collector is misleading. 
2. Failure to Investigate and Update : Per 15 U.S.C. 1681s-2 ( b ), XXXX must investigate and correct disputed information promptly. The fact that this account was charged off and forwarded to a debt collector months ago indicates that its continued reporting is inaccurate and detrimental. 

Impact of These Actions : The improper reporting of this account by XXXX has caused harm to my credit profile, including a lowered credit score, which affects my ability to secure financial opportunities. Furthermore, True Accords repeated failure to validate the debt has caused undue stress and wasted time, as I am left questioning the legitimacy of their claims.
Product: Credit reporting or other personal consumer reports

I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1200.00} There are no contracts, no valid claims ... account was settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit card or prepaid card

On XX/XX/2022, I, XXXX XXXX, applied for and was approved for the XXXX XXXX XXXX XXXX card, issued by Synchrony Bank. I received written approvals not only on Synchrony 's website, but in an email sent directly to me as well. Both stated that I would be receiving my card in XXXX business days. Furthermore, I was provided with a XXXX reference number that was supposed to enable me to shop online at XXXX immediately while waiting for my card to arrive in the mail. However, upon entering the reference number, I repeatedly was unable to place my order. I spent hours on the phone with XXXX, who referred me to Synchrony. Synchrony stated that my application had been denied. I strongly protested, and advised that I had received XXXX written approvals, a XXXX reference number enabling me to shop, and was told my card would be arriving in XXXX business days. How could all that happen if I had been denied? I posed that question to Synchrony, and they refused to answer and just kept saying that my application was denied. I insisted there had to be some mistake or oversight, and even offered to forward them my approval email. They were extremely rude and hostile throughout, and actually said that they don't have any email addresses that I could send my approval to. I guess they don't use email. Synchrony has been disingenuous and deceptive, and this is egregiously unjust. A credit card company should not be able to advise me not once but TWICE that I was approved for one of their products, then tell me to expect it in the mail, and then offer me a way to use my card online before it arrives, only to turn around and say nope you're denied we're not sending it to you, and we refuse to even acknowledge your question about why you received XXXX written approvals if you had been denied. I never would have even applied for this card if I knew this was going to happen.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX shortly after Paypal and XXXX were splitting, My PayPal account was limited with the message " You can no longer do business with PayPal " and they were suppose to hold my money for 180 days and then return the rest if no disputes are filed. The reason for them closing my account is '' After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy '' However nothing I have sold was ever against their rules nor did they ever explain what I did to to violate their terms which is a XXXX. I always sold the same thing and now its a problem? Anyways close to the 180 days were up and my money was suppose to be returned to me, paypal secretly transferred my money to themselves on XX/XX/XXXX with no emails or explanations. with the note " XXXX USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPals damages caused by Acceptable Use Policy violation ''
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and XXXX. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Product: Credit reporting or other personal consumer reports

I recently recieved a copy of my consumer report. I noticed that CAPITAL ONE was reporting to my consumer which I did not authorize. According to the XXXX XXXX, institutions must develop and give notice of their privacy policies to their own customers at least annually and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. I THE CONSUMER DID NOT RECEIVE THE OPPORTUNITY TO OPT OUT so I am exercising my right to opt out NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times