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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report, which persists despite prior efforts to resolve these issues. I have reason to believe that Experian has failed to adhere to the Fair Credit Reporting Act ( FCRA ) in properly investigating and correcting disputed items. This mirrors the allegations recently outlined in the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. 

The inaccurate information on my credit report is as follows : XXXX XXXX XXXX XXXX  : I have no knowledge of these inquiries that was authorized on my credit report. 


XXXX XXXX XXXX XXXX : I have no knowledge of these inquiries that was authorized on my credit report. 



Under the FCRA, Experian is required to investigate disputes promptly and ensure that only accurate and verifiable information remains on my report. I believe that Experian may have failed to follow proper procedures, resulting in the continued reporting of false or misleading information. 

I request that you : XXXX. Investigate the disputed items thoroughly. 


XXXX. Remove or correct the inaccurate information on my credit report. 


XXXX. Provide me with a written response detailing the results of your investigation, including any changes made to my report. 



Additionally, I request confirmation that the corrected credit report will be sent to any lenders or entities that received my report within the last XXXX months. 

Failure to adequately address these issues may leave me no choice but to file a complaint with the CFPB and consider additional legal actions to ensure compliance with federal laws. 

Please respond to this dispute within the timeframe specified by the FCRA ( 30 days ). You can contact me directly at [ your phone number ] or [ your email address ] for any clarification or further information. 

Thank you for your immediate attention to this matter. 

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

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXX  XXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting {$330.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Money transfer, virtual currency, or money service

On XXXX, a string of unauthorized purchases started occurring on my Paypal account. I noticed when the first one came, called Paypal and explained I was not doing it. They said " they'd put a stop '' and prevent further charges. Three more purchases came through. All was digital currency through their platform. I have never purchased digital currency- much less through Paypal XXXX The Paypal rep suggested I change passwords and helped me to file a dispute that he said would cover the issue ( it did not ). 

I worked with PayPal over several days and ultimately called my bank on the XXXX XXXX XXXXXXXX and explained the situation as well as PayPal was evasive and not helpful. They could not tell me how or why the charges occurred or why it was not an " unauthorized transaction '', despite the fact that I have never utilized any type of cryptocurrency. The bank agreed with me, sided with me, and put a stop to the charges. 

I had to change my account numbers- which means new debit cards and about 10 websites to correct. This took dozens of hours. 

I then attempted every method possible to work out things properly with PayPal through their website, telephone, XXXX, and XXXX. ( attached are some of the dispute numbers ). 

PayPal reported around {$3200.00} was taken. Since they were taking it from my bank account directly, I was able to stop it. I stopped about half of this and immediately withdrew what I could ( a check for {$200.00} or so ) from PayPal. PayPal froze about XXXX in crypto funds, which I allowed to be absorbed into the account. The account balance is negative about {$1700.00}. I still have the paper check for {$200.00} or so- which is theirs- but I do not wish to send it to them without verifying what is happening. 

In the end- I have the money that PayPal withdrew without my consent so my physical bank is not negative. 

PayPal is claiming that I owe them $ XXXX which I DO NOT. The company refuses to honor the " unauthorized transactions '' policy. I've spoken with them over the phone and sent signature required paperwork several times ( tracking numbers are available ). They are talking about taking the money to collections. If they take it to collections, I will take them to small claims court. This is beyond ridiculous. I will not rest until this balance is deleted. I do not care if I ever use the account again at this point. I was a customer since XXXX and the fact that they have treated me this way is beyond confusing. 

I want the negative balance gone from the account. It is not my balance, it was directly reported at unauthorized that very day.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied and received a loan to payoff my credit cards. As of XX/XX/XXXX OneMain Financial began charging me interest on the loan they originated and stated they would pay my credit cards directly. Its been 3 weeks and my credit card companies have not received any payoff. OneMain Financial is charging me interest on a loan that they have not funded. I have made over 25 phone calls to this company and have not received any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN
Product: Credit reporting or other personal consumer reports

There are several items on my reports that are being reported by XXXX, XXXX, & Equifax. I have contacted all creditors and each bureau. I have not only been a victim of identity theft, but also my name was a part of the data breach. They refuse to remove the items and it's been a long time of the same treatment.
Product: Checking or savings account

I made a purchase at XXXX on XX/XX/XXXX for {$34.00} the transaction got duplicate in my bank account. I called Chase Bank to report the issue and they temporary re inversed the money while they investigated. On XX/XX/XXXX they called me asking me if I remembered if I input my pin or if I swiped my card as credit card. I told them that I couldn't remember exactly but I probably put my PIN after that called on XX/XX/XXXX they deducted {$34.00} from my bank account I called them asking why, the agent said that base on the investigation the transactions were legit. I told them that they were not, and that if they checked the surveillance cameras to prove that, the agent said that they don't take it that far and that there's nothing else they can do and that I can not reopen the claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. This company has reported negative information on my credit report, which has adversely affected my credit standing. I have concerns regarding their authority to engage in debt collection practices in the state of Florida. 

According to Florida law, entities that collect or attempt to collect consumer debts owed to another party are required to register as Consumer Collection Agencies under Chapter 559, Part VI of the Florida Statutes. After reviewing available records, there is no indication that XXXX XXXX holds such a registration in the state of Florida. 

While XXXX XXXX is authorized to provide consumer loans in Florida, they are not authorized to act as a third-party debt collector. Given this, their reporting and collection activities may be in violation of state regulations. 

I request that the CFPB investigate this matter to ensure that XXXX XXXX is complying with all applicable laws and regulations. Additionally, I ask that any unverified or improperly reported debts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting

I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on my credit report.
Product: Checking or savings account

During the last XXXX  days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. 

XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information XXXX XXXX XXXX of {$64.00} on my credit report does not belong to me. This information is wrong and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Equifax. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Equifax has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements.

I have taken the following actions : Submitted a formal dispute to Equifax, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that Equifax provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned Equifax that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Equifax accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
Product: Debt collection

AD ASTRA RECOVERY SERVICES is in violation of 15 USC 1692g. AD ASTRA RECOVERY SERVICES did not respond within 5 days of initial communication. I sent a debt validation letter to AD ASTRA RECOVERY SERVICES on XX/XX/21 and they did not respond with the information I asked for. I asked them to send me proof that I owe them this debt. I asked for a signed agreement Debtor has made with debt collector. I asked for the authorized Signature of the creditor. 
They failed to provide me with any contract as proof that I owe them this debt. 
They send me a letter on XX/XX/2021 that included a symbol which is in violation of 15 usc 1692b ( 5 ). 
Rapid cash is also in federal violation for not including the sum of all charges in the finance charge. Violation of 15 usc 1605. I never gave consent to AD ASTRA RECOVERY SERVICES.

AD ASTRA RECOVERY SERVICES is in violation of 15 usc 1692 for stating I owe a debt through mail. After I already sent them a cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX did not honor my request to freeze my credit report. By it not being frozen I received a hard inquiry. However, I did not apply for any lines of credit during this specific time -XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submit a request several times to Equifax to delete the account ( XXXX XXXX ) due to the pay for deletion agreement with the company on XX/XX/ & Equifax is not honoring this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

When I received an email from Citibank on XXXX informing me that I was eligible for a {$500.00} Checking offer if I complete qualifying activities, I called Citibank immediately to clarify that I was eligible for BOTH the XXXX Thank you points and the Checking {$500.00} offer. The representative researched and ensured me that the offers were unrelated and that I was eligible to receive both, assuming that I met the requirements for both. I specifically signed up for direct deposit on my account only because I received this information from the representative that day. 

I then received an email from Citibank on XXXX that I was ineligible for the {$500.00} because I did not sign up for Direct Deposit, though I did sign up for Direct Deposit and satisfied all of the other requirements of the promotion. 

So I called Citibank on XXXX ( at XXXX XXXX CST ), and the representative indicated that I did not set up Direct Deposit within 30 days and that is why I was not eligible. I indicated that this promotion indicated that I needed to set up direct deposit for 2 consecutive calendar months after opening the new account not within 30 days like she indicated - so asked to be transferred to a supervisor. 

That supervisor, XXXX, indicated that she reviewed my account and she would escalate and that she expected that would receive the {$500.00} once the case was reviewed. She also told me she could not assign me a case number, but that I would hear back from her specifically on XXXX or XXXX. She never called me back on either day. 

Since I never heard back, I called Citibank back again on XXXX. I spoke with XXXX ( Team ID XXXX ) who indicated that he would be putting through an exception for me he was able to find some notes put in by XXXX - and he also agreed that I met all the requirements of the promotion. 

Now today on XXXX I receive an email from Citibank with a different reason as to why I am not eligible for this promotion no longer that I did not set up Direct Deposit as stated in XXXX original email, but now that I received XXXX Thank you points already. As I mentioned, I called Citibank once I received email promotion to confirm that I was eligible for both the points and the {$500.00} award - and in speaking with 4 people at Citibank one of which was a supervisor none of them indicated that I would not be eligible for the promotion because I already received Thank you points. 

I am extremely disappointed that I have spent multiple hours on the phone with Citibank at least 45 minutes per person - trying to get the {$500.00} that I was specifically told I was eligible for originally. 

I am asking Citibank to please reconsider awarding me the {$500.00} since I have satisfied the requirements of the promotion. If I was not eligible, I should have not been sent the email telling me I was, and the representative should have told me I was not eligible when I called originally. Since all of my phone calls are supposedly recorded, I would ask that you please refer to these.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/XXXX but still reflecting late payments. I called XXXX on XX/XX/XXXX and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/XXXX. I need this corrected ASAP as I am applying for an apartment on XX/XX/XXXX.
Product: Debt collection

The city of XXXX, CT, which I do not live in, attempted to tax my motor vehicle in XXXX. I never received notice from the city that I owed a tax. On XX/XX/XXXX I received a letter from Rossi Law Offices , LTD. Upon receiving this first notice from the debt collector, the debt collector did not provide notification of validation. The debt collector also failed to provide notification that I have the right to dispute the debt if I believe the debt to be incorrect. The letter only demanded that I pay the amount owed. I believe this to be deceptive and abusive.