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

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I deposited two checks on Chase bank. One for XXXX and other one for XXXX. The checks got cleared but chase bank said they could not verify them. I gave them the phone number to contact the guy who gave me a check but they said they wont do it because the number is not in their system. They said the money would return back to the original bank that issued the checks but it still has not returned. And they closed my account also and I have yet to receive my money.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX  I took out a Loan for XXXX $ from Titlemax. The amount i was to repay was under XXXX . I Refinanced it in XXXX but online was given the option to get more money, There was no mention of switching locations OR that the terms of my loan would change. The New Loan had a different financial institution. Originally it was XXXX XXXX, and then it went to XXXX XXXX. When i spoke to the initial office i signed my paperwork with, they stated it was a due to the location of the Titlemax office and that my loan. I asked if it could be switched back and i was told no. XXXX  Charged me XXXX to payoff my loan with the other title max location and my total loan was under XXXX $ it had only been 30days. In My new paperwork in XXXX showed that i financed over XXXX . And my first payment to then was over XXXX $ in interest and my original payment was under XXXX. My paper work showed my payoff was around XXXX. In XXXX or XXXX i paid around XXXX $ and my balance for the past 6months has stayed around XXXX . the monthly fee charged is XXXX.to XXXX  and the interest to title max is under XXXX  . In XXXX XXXX letter came from XXXX that they could no longer provide me financing due to my credit score. They run credit every time they refinance their existing loans. So i asked for information from the Titlemax office on who is my finance co. And would not sign the refinance paperwork. I did however make my payment. Today at XXXX XXXX  my car was towed out of my driveway of my private residence which i have since learned is not allowed in Texas. I was not provided any documentation telling me who picked it up and where i could retrieve my vehicle from. When i spoke to the title max office 2 weeks ago i was told i was past due because they are still charging me interest on my XXXX payment due to non signing. This is twice this has happened. My currently balance is almost XXXX $ higher than 2 weeks ago. I have not been able to get anyone on the phone with the title max office to find out how to retrieve my vehicle. I had to walk my daughter to school this morning, and will have to walk to pick her up. 
in XXXX because because
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
XXXX XXXX XXXXRe-aged Date of Last Activity of XX/XX/XXXX. 

TRANSUNION. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Product: Checking or savings account

Hello - This is a rejoinder to the earlier case that had been filed with CFPB regarding my ACH transaction limitation via Paypal withdrawing funds from XXXX  XXXX Account. The details of the earlier case filed with CFPB under the reference number XXXX There were two entities involved in the Transaction. One being XXXX XXXX XXXX XXXX and the other being Paypal. 

This is a transaction involving my XXXX XXXX XXXX XXXX and Paypal. I had registered on Paypal my XXXX XXXX Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by Paypal from my XXXX XXXX XXXX account. Subsequently i logged a incident with XXXX XXXX and Paypal on the same day. Later on XX/XX/XXXX XXXX XXXX XXXX credited this amount back into my bank account, so did Paypal on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to paypal Instead of enabling the process the ACH freeze had been put on my account. 

Had logged a ticket with CFPB to which XXXX XXXX responded stating that they had not imposed any ACH restriction on my account. I had to do my own research by calling XXXX XXXX XXXX post XX/XX/2020. XXXX which, i learnt that it was Paypal which had imposed this ACH restriction on my account. On XX/XX/XXXX I called up Paypal was able to refund the excess amount of USD XXXX via my DEBIT as Paypal had not enabled my Banking channel for the excess balance lying in my account. 

XXXX companies do not have the same set of rules that are being imposed on the banks. The fundamental question is on how did Paypal as a payment service provider allow a third party to withdraw funds without any adequate checks and balance. There is no two factor authentication mechanism in place to avoid such a fraudulent or unknown charge at Paypal 's end. 

Regulator 's need to take time out and protect ordinary Americans from such financial frauds from taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with XXXX XXXX. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On XXXX. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to unfreeze my credit with Experian credit report the system locked me out, I tried calling them, and I just get the automated system which can not help me and will not transfer me to a real person. My problem is easy fixed it a human would talk to me. Until them my credit remains frozen.
Product: Debt collection

on XX/XX/XXXX I got an email of an itemized list of money owed but I never got anything in the mail, just that reply to me asking if they could send me that list which they did. On XX/XX/XXXX I replied to the XX/XX/XXXX email asking if I could get a payment plan because I hadn't gotten anything in the mail since their XX/XX/XXXX emailed list. They replied on XX/XX/XXXX shortly after I emailed them saying " Your account was sent to collections on XXXX when we didnt hear from you until XXXX. We can activate the payment plan now but your account will stay in collections until the balance is paid. When would you like us to process the first payment? '' So only 9 days after they sent me the itemized list of costs they sent it to collections so they said. I never got contacted by the collection agency or by XXXX  to try and resolve this debt so I assumed it never got sent because I never saw it on my credit report until this year. I heard through emails of another company that they spoke to XXXX and was told by the billing dept that they had written off the debt but then like I said it popped up on my credit karma account a month or so ago.
Product: Debt collection

They are now calling My extended family like aunts and uncles in telling them that I own month they also call my phone about 6 time a day starting around XXXX and stopping around XXXX
Product: Credit reporting or other personal consumer reports

I have requested validation of the account " XXXX XXXX XXXX '' XXXX different times. I am not receiving any proof that this account belongs to me nor have I ever lived at XXXX XXXX which is the original creditor. I have stated this multiple times & this account is NOT being removed from my report. 

I will file a formal complaint with the FTC should they continue to blatantly disregard the law, I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from the bureau.
Product: Checking or savings account

Company charged me a lot of hidden fees that didnt add up
Product: Vehicle loan or lease

I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to complete my investigation this is the 2nd time in 30 days that they have sent me this stall letter. ask for Identification and current address. My first letter was sent XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first quarter of the Year 2020 I fell victim to covid-19 affected income. The company XXXX through which I had a loan failed notify me by either phone number or my address onfi all of their intention to charge off my account balance after being unable to pay 3 notes from lack of covid-19 work-related issues and loss of income. I had never been late on any of my bills before and my credit score was almost XXXX. Had XXXX made an attempt to contact me through my address on file or either my telephone number also on file I could have made suitable Arrangements with prosper to prevent the charge off on my account. The needless charge off devastated my credit score and has prevented me from getting consolidation loans. This charge off was sold to a secondary company who has declined settlement offers submitted buy me to them through written correspondence. The failure of the secondary Company to work with me in regard to settle the debt is in violation of the Fair Credit Reporting Act as no efforts were made to notify me by the original debt holder prosper. I have been clearly victimized by the XXXX  company. This was a deliberate action on the part of XXXX  to Force a default so that they could take advantage of selling my account to a secondary company in order to quickly recover cash assets for the benefit of XXXX  loan company.
Product: Debt collection

Credence Resource Management XXXX XXXX XXXX XXXX has reported to XXXX, XXXX and XXXX for what shows as my identity being stolen to open an account account I did not Authorized. 

Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payments dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm reporting this complaint as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of informationto credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bank of america student checking account long time back and it is already closed in XXXX. I recently tried to open an online checking account and it is showing negative information about my previous Bank of America Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.
Product: Credit reporting

I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, Equifax XXXX XXXX and XXXX. Despite multiple attempts to resolve inaccurate reporting on my credit file, this company has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which is not true because I have the tracking number and stated that the letter was successfully delivered.This indicates that Equifax is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, Equifax has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various XXXX and XX/XX/XXXX. 
Inconsistent XXXX of XXXX : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure Equifax conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. XXXX repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, Equifax will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX
Product: Debt collection

A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).
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 federal protected consumer rights to privacy and confidential reality under 15 USC 1681. 

LVNV FUNDING LLC : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : 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 or 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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to activate an advertised service of Experian called " XXXX ''. Filled out the formage as asked until we got to connecting with my credit cards and bank. I entered " XXXX '' credit card, and my user name and password, next screen told me to answer a security question, which was " enter authentication code '' I did not have a link to get said code, nor was there a pop up showing a code, this screen locked my browser forcing me to close and re-engage with Experian. I searched the web site for information found none, I called and got a heavily accented CSI that had a hard time understanding my issue and kept repeating it back to me. After 10 minutes of this confusion I hung up, being a senior and with limited time remaining my life, spending time trying to resolve a problem they created with a person I had difficulty understanding was not worth it. The product " XXXX '' is a Joke advertised to create more credit problems for consumer 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report.It has been over 30 days and i haven't received any results.