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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate of unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Try to get them to remove names and address that I am not associated with
Product: Debt collection

I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that still, the account was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 TransUnion XXXX XXXX XXXX XXXX has maliciously placed a {$360.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence of me owing the debt.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My account was transferred to another company and they furnishings the credit agency inaccurate information and its hurting my credit worthiness and living conditions
Product: Vehicle loan or lease

Ive tried to refinance my loan with capitol one because of my interest being so high. It was impossible for me to keep up I was drowning. I moved back home to try to save money and get back on my feet. I had health issues and been drowning in medical bills. I couldnt make my full payments so my car was repoed. Devastating to me. Been struggling for 2 years now trying to get out of this debt. The dealership sold me a lemon car and I couldnt afford a lawyer. Not only was it a lemon I didnt realize how interest worked. I didnt realize my percent was so high. I thought I got a great deal at the time but came to find out I was cheated. Please help. Im trying to get back on track and move into my own place but cant with my credit. Currently paying off medical bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX, I changed my internet service provider to XXXX. Since then I have not be able to access my account online at M & T bank with who I have banked for nearly 20 years. I only use one computer that is hard wired to the router to access my account for security reasons and it stopped working after I changed to XXXX. Earlier in the day on XX/XX/XXXX, when I was with my previous internet service provider XXXX, I was able to access my account. 


When the account login in failed, the website tells me to call the online service center which I called on XX/XX/XXXX and spoke to XXXX with id XXXX. He told me that some fraud alert was triggered and I have to just wait and try again but could not tell me how long to wait for security reasons. I asked if there is a set of steps I could follow that would unlock the account and he said there was none. Only way was to wait and try again. I spoke to manager XXXX XXXX XXXX who also confirmed the same. 


I waited a week and on XX/XX/XXXX I tried to log in again and it failed. I went to the local branch and spoke to XXXX XXXX who called the online banking center and they confimed the problem to be systemic with no resolution. Multiple customers who changed internet service providers have the same issue with no solution.
Product: Debt collection

Multiple disputes have been filed with all credit bureaus. Each dispute has come back showing that the debt is valid and my reporting unchanged. 
After requesting validity of the debt, the debt collector responded with paperwork showing this is NOT my debt and belongs to another person with a similar name, but not the same middle name. Also information is showing this references an address that I have never occupied or have or had any association with my person at any time. 
I have requested multiple times for this information to stop being reported under the incorrect person and show validity that they have been unable to provide. 
I was sent medical information that is NOT mine, violating XXXX laws giving me someone else 's medical information as well as I have paperwork documenting that I have NOT authorized anyone to give out or receive any medical information relating to my personal files.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for And purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has no record of my credit, despite XXXX and XXXX reporting my credit scores. My husband and I are trying to get a loan for a house, but lenders are unable to get my credit score from Equifax, and as such are having to report my average score as lower than it would be otherwise. I have been informed that if we don't fix my Equifax score then we won't qualify for a mortgage. 

I have contacted Equifax multiple times to try to determine what the problem is or how to get my credit reported normally, but they have not provided me with a way to do so.
Product: Consumer Loan

I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX : # XXXX : XXXX # XXXX : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been a customer of PayPal since XX/XX/XXXXwith several successful transactions of both buying and selling, with no issues. I sold 2 pair of shoes on XXXX  and up omg receipt of payment PayPal has held the funds, giving me no access to them until 24 hours after shipment has been delivered. This makes it impossible to pay for shipping or other related expenses associated with the transaction. In addition, PayPal gave me. {$11.00} cash back and when I made withdrawal to my bank, they made me send picture of drivers license, take a selfie and then held my withdrawal for another day when they offered me instant withdrawal to my bank.
Product: Money transfer, virtual currency, or money service

I entered into a dispute with a merchant through PayPal. PayPal then informed me in order to receive the money I was seeking that I needed to return XXXX shirts of XXXX items total I ordered. I didn't receive XXXX items and wanted my money back for those XXXX items. I was told in order to get my money that I had to submit tracking information to PayPal of these XXXX items being shipped back. Which I did on XXXX  XX/XX/2024. It's XXXX  XX/XX/XXXX and PayPal has yet to give me the money they told me I'd receive when I submitted the tracking information. I also submitted a receipt of the shipping purchase. I had to borrow the money for the shipping purchase on the pretense that I would be able to immediately pay back the money. Now myself is under heavy financial burden due to not having the {$260.00} I am owed. They promised me as soon as I submitted the tracking information they would give me the money. Now he I am still waiting on money I need desperately and have gone back and forth for XXXX XXXX now of PayPal avoiding and dodging the issue at hand. That their XXXX  told me I'd get the money and have really screwed me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN   XXXX  . AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION  XXXX   XXXX    XXXX   XXXX    XXXX . THE NAME USE IS  XXXX   XXXX  A FEMALE WHICH I DO KNOW A  XXXX   XXXX . I AM  XXXX   XXXX .  ( MALE ) I P ROVIDED  XXXX  WITH A POLICE REPORT DATED  XXXX  16  WHERE I FILED WITH  XXXX  POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY  XXXX   XXXX   XXXX  PROVIDED  XXXX  WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE  XXXX   XXXX   XXXX  UNTIL AROUND  XXXX /2016 / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME.  XXXX  IS STILL REFUSING TO REMOVE. I CONTACT CREDIT SYSTEMS (    XXXX   XXXX   )  AND THEY ADVISED ME TO DISPUTE WITH   XXXX   FOR REMOVAL.   XXXX   DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO  XXXX . SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO   XXXX  . I NEED HELP WITH THIS MATTER.
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. I told the XXXX, XXXX and Transunion to reinvestigate these accounts : Account name :XX/XX/XXXXXXXX {$1900.00} Account name : XXXX XXXX XXXX {$1200.00}, Account name : XXXX XXXX XXXX {$610.00}, Account name : XXXX XXXX XXXX {$620.00}. ACCOUNT NAME : XXXX XXXX XXXXXX/XX/XXXX {$440.00}. However, they stated everything was complete and accurate. But how is that possible, if date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet XXXX  continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... Equifax continues to report 2 charge offs with the same Student loan accounts ... .and Equifax continues to report these XXXX XXXX XXXX the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!
Product: Checking or savings account

I had an account with Regions Bank and the bank charged overdraft fees on the account. The charge off date was XX/XX/XXXX and the balance was - {$210.00}. The balance on XX/XX/XXXX was - {$470.00}. I don't have any records of how the bank arrived at the current balance. I made a payment of XXXX on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. After requesting copies of the final bank statements, I realized that I was basically paying bank fees and decided that I would no longer pay on the account until I received proof the debt was owed. On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX offering a reduced balance opportunity to pay the balance off at 35 % in the amount of {$120.00} within 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I filed a CFPB complaint against XXXX, TransUnion, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from XXXX, TransUnion, and XXXX and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( XXXX XXXX XXXX  ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.
Product: Credit reporting

This complain is against Experian. Why is it that you can not use the United States court documents I sent to you? You did not explain the reason for this but yet you are going to go back the XXXX XXXX who is supplying the erroneous, incorrect, negative and outdated information to verify if the information is correct????? Look I have never had an individual account with XXXX XXXX or XXXX XXXX. I have never applied for an account with XXXX XXXX or any one associated with them. What documentation or what does it take for you to understand this??? My question still has not been answered ; How does XXXX XXXX verification have more authority than the United States courts?
Product: Student loan

To whom it may concern, My son went to XXXX XXXX  in XXXX in XXXX. He was not eligible for a government loan so applied for a loan from the college. He was given a loan and graduated in XX/XX/XXXX with a degree in XXXX XXXX. He then went to the XXXX XXXX at XXXX and graduated in XX/XX/XXXX. He received 3 student loans and a cost of living loan. I was a co-signer to the loans. I worked with -- - XXXX - XXXX | Financial Planner | * XXXX -- - until XXXX XXXX, which XXXX had become a part of, was declared a failed college. The CFPB charged XXXX XXXX with predatory lending and exaggerated claims of employment and ruled that 40 % of the Federal student loans were to be repaid. XXXX XXXX XXXX a percentage of the XXXX XXXX. My son 's loans were in that group. 
I received notice that the loans had been bought by UAS- University Accounting Services . 
XXXX, Thank you for your help yesterday on student debt relief. Unfortunately when I call and spoke with the them I found this is for federally funded loans only. XXXX had a private loan serviced by XXXX XXXX. They do not service these loans anymore ; as of XX/XX/XXXX University Accounting Service, LC ( UAS ) will collect all payments. I have been unable to contact UAS by phone. The menu comes up, I give the info, and then I am disconnected. I receive an email from UAS but the only web address directs me to set up acct info before I can be assisted... 
I had called the Consumer Finance Protection Bureau and found that the information I had was correct, but they said I have to go thru the loan servicer who should have contacted all students by XXXX, XXXX. At that time the loan servicer was XXXX... 
After speaking with a representative from UAS, XXXX XXXX XXXX, I find that some of the private loans from XXXX were eligible for debt relief and some weren't. The loans that were eligible are being serviced by XXXX XXXX XXXX XXXX... 
If XXXX was purchased by XXXX and students who borrowed through XXXX 's now defunct XXXX loan program are to see an immediate 40 percent reduction in the principal balances, then I don't understand why some loans are eligible and some aren't. The representative stated that the student 's account information was late getting to UAS. The information from the Consumer Financial Protection Bureau said that eligible students would be notified by their loan servicer, XXXX. Because we have not been notified he said we must not be eligible? No contact number is available for XXXX XXXX XXXX yet... 
I finally was able to contact UAS in XXXX. 
In XX/XX/XXXX we were sent notices about the 3 loans saying that we were eligible to re-amortize the loans.Longer time to pay off the loans but overall the loans cost more. We did elect to re-amortize. 
In XX/XX/XXXX, Calvillo Manriquez v DeVos, the court finds the policy limiting debt relief for some XXXX XXXX students illegal. 
I contacted UAS about this and we were not eligible. 
Here is the contact information for the current lender... 
University Accounting Service , LLC XXXX XXXX XXXX XXXX WI XXXX Phone : ( XXXX ) XXXX email : XXXX Website : XXXX Thank you for your consideration
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.