23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2024, I sent a Freedom of Information Act requesting the following documents : 1. Loan Agreement ; 2. Payment History ; 3. Correspondences ; 4. Account Statement ; 5. Loan Modification Documents 6. Allonges and All relevant indorsement pertaining to the loan. 

To date, I have not received a response to my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent an Identity theft letter to XXXXXXXX XXXX XXXX, and despite more than 30 days passing, I have not received a response nor has XXXXXXXX XXXX XXXX complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on On XX/XX/2023 and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXXXXXX XXXX XXXX has not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I paid XXXX loans off and affirm is not reporting them per their contractual obligation
Product: Debt collection

XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian regarding the inaccurate, unauthorized, and unverifiable reporting of accounts and hard inquiries on my credit report. The disputed accountsXXXX 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  (, and are inaccurate , unverifiable, and unauthorized . Despite prior disputes, no documentation has been provided to verify these accounts and inquiries as required under FCRA 1681i ( a ) ( 1 ) and FCRA 1681b ( f ). This failure to verify or remove unverifiable entries violates FCRA 1681e ( b ), which mandates maximum accuracy in reporting, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. Additionally, these items are not marked as Disputed, violating FCRA 1681i ( a ) ( 6 ) ( B ), and the creditors have failed to validate the debts under FDCPA 1692g. These violations have caused significant harm to my credit profile, negatively impacting my credit score and misleading potential creditors. I demand the immediate removal and permanent blocking of these accounts and inquiries under FCRA 1681c-2, which requires the deletion of unverifiable or fraudulent information. I request the CFPB enforce compliance with federal law, investigate these violations, and confirm in writing that these items have been removed and blocked. Attached are dispute letters, certified mail receipts, and excerpts of my credit report highlighting these accounts and inquiries.
Product: Bank account or service

" PayPal Credit '' gave me a credit line of {$1200.00} to make online purchases at many retailers including Ebay. This account was connected to one of my PayPal accounts which is connected to my Bank " MY COMPLAINT '' PayPal credit authorized and allowed the purchase of a television for {$440.00} from Ebay seller " XXXX '' and I chose the 6 mo payback option..But immediately following the purchase ( 5 minutes ) without warning they reversed the credit which sent the charge through all sources connected to my other PayPal account and my bank for immediate Payment.with not enough funds in my bank to cover the charge. They had no solution to help me. I had to beg and borrow from my friends to get funds in the bank to avoid NSF charges. .After 2 hours on the phone I find basically that no one can fix or explain what happened. Me and my bank account were held hostage to this PayPal credit scam. They finally used my refund from the Seller ( which I had to plead for ) as coladaral to make a Ghost deposit in my bank because my refund though in my PayPal account was n't available for three more days .I still cant believe this happened and that an institution like PayPal can hold a person and their bank account hostage for what I feel is Unfair Lending Practices to say the least. Please tell me that this is illegal and that an attorney will call me with the information on my lawsuit!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX Bank account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the Equifax data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Product: Credit reporting or other personal consumer reports

As of the year 2021, I have discovered that I have been a victim of Identity theft, unfair, abusive, and misleading debt collection practices. This letter serves as a formal Notice of Claim regarding the Notices/ complaints sent on, FDCPA & FCRA Violations. As required under Federal Law, this notice is to XXXX XXXX XXXX BANK of the injuries and damages sustained as a result of Identity Theft, and abusive debt collection practices. This claim seeks compensation for damages and emotional distress and provides XXXX XXXX XXXX I do not have a loan with XXXX XXXXXXXX XXXX I have never received anything from this company. Several notices has previously been sent, As silence is acquiescence under the law, silence and can only be equated with fraud where there is a lawful moral duty to speak, or where an inquiry left unanswered would be misleading, whether intentionally or not.This is a violation of my constitutional rights, and federal law. This does also does not follow accounting standards XXXX, XXXX standards require that revenue is only recognized when a company satisfies its performance obligations. This is a also a violation of the XXXXruth and Lending act as well as my consumer rights. I have not ever received a loan please remove this from my consumer report. XXXX XXXXXXXX XXXX  is now liable for damages. Notices have also been sent by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I asked XXXX to cancel my credit card XXXX as there was a fraudulent transaction from South Carolina where I never visited. XXXX did not cancel this card and several fraudulent transactions were posted from South Carolina in XX/XX/year>. I complained again and I was told that these transactions were valid and I owed XXXX several thousand dollars. 
I requested XXXX to cancel this card again, I paid by XXXX separate checks for the exact amounts of the last XXXX valid charges I made on this card and again reported that all the remaining transactions as fraudulent. XXXX did not accept this and reported to the three credit bureaus XXXX, XXXX and TransUnion that I was late in payment on this card in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. 
I made several requests in writing and on the phone to XXXX that all these charges are fraudulent and they happened because XXXX did not cancel my credit card. XXXX claimed that their late payment reports to the XXXX credit bureaus is correct. 
After again insisting that I never visited South Carolina in my life, XXXX slowly started cancelling the fraudulent charges. After XXXX months of going back and forth, XXXX admitted that all pending charges are fraudulent and that they actually owe me XXXX {$810.00}. They sent me a check for XXXX {$810.00} and reported to the XXXX credit agencies that my account has been closed with XXXX balance with a write off. 
However they did not with draw the late payment reports made against me for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024. As a result my credit score fell from near XXXX to low XXXX and I am not able to get credit due to XXXX 's negligence. I have requested XXXX in writing to rectify their mistake more than thrice but they did not. I want XXXX to clear the wrong reporting they made against me in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2024.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed.

I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. 

Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. 

XXXX XXXX XXXX XXXX and 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. 

Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/XXXX, my dental insurance provider concluded that my previous Dentist, XXXX XXXX XXXXXXXX XXXX was liable for the defective work performed on my XXXX. XXXX XXXX issued me a credit card ( via XXXX XXXX XXXX ) to pay for this XXXX. For months, XXXX XXXX XXXX refused to accept responsibility ; even though my current Dentist and my insurance provider, found them responsible. They ordered XXXX XXXX XXXX to refund me to full amount of my co-pay. 
On XX/XX/XXXX, I received a check from XXXX XXXX for {$400.00} and yet, they are still sending me collection notices and sent this statement to collections. I have received many phone calls to pay the balance of a dental procedure that my own insurance informed me that I was liable for. To date, I paid {$780.00} towards a defective XXXX. I am still owed {$370.00} for the remaining balance I paid for my co-pay.
Product: Credit reporting or other personal consumer reports

Hello, There is an account on my credit report that was opened in XX/XX/XXXX ( XXXX yrs, XXXX mos ). This was originally showing closed / Charge off. Now it seems to have opened back up in XX/XX/XXXX. Please remove this from my credit as now it is showing a 50 % on time payment as before it was 100 %.
Product: Bank account or service

I opened a Citigold checking account in XXXX XXXX because I had received a promotion from CITI to receive XXXX bonus Aadvantage miles after completing certain requirements which I met back in XX/XX/XXXX. I contacted Citi in XX/XX/XXXX to confirm the offer and was advised I did have the offer on my account. The offer required the use of their bill pay service for 2 months and at least {$1000.00} in purchases on my debit card which I completed XX/XX/XXXX. 

I then reached out to Citi on XXXX XXXX and was advised ( see attached conversation w/ customer service online ) that I had met the requirements and confirmed in writing that I would receive the XXXX bonus miles w/in 90 days. 

XXXX XXXX, I had still not received the miles and so I reached out to Citi ( see attached email letter from Citi ) and was advised that once again Citi agreed that I had met the requirements for the offer and that I would have the miles by XXXX/XXXX/XXXX. 

The miles never posted to my account and XX/XX/XXXX I was advised that I need to wait another 30 days for the posting. I then recontacted Citi XXXX XXXX when the miles still did not show up in my account. 

I have now received a letter from Citi stating that I never had the offer on my account in the first place and that they will not honor it. I had confirmation multiple times from Citi that this offer was on my account and that I had fulfilled the requirements of this offer. I have also been charged {$90.00} in monthly service fees since completing the offer even though Citi is not fulfilling their commitment.
Product: Credit reporting

There is a Collection Account on my credit report that is over 7 years old ; XXXX XXXX XXXX for $ XXXX old XXXX bill. It appears the Collection Agency has illegally re-aged it. The date of last payment on this account was 16 years ago. I have attempted to dispute this with Experian ( I sent them a dispute form ) and they sent me a letter stating they wanted my Social Security number ( which I already provided ), date of birth, mailing address, etc. This is very critical information that I do not want to send in the mail and am confused why they would request this information when my dispute form clearly provides enough information to verify my identity. I feel they are using tactics to dissuade me from clearing up my credit report. By the way-the other XXXX credit reporting agencies do have this account listed.
Product: Student loan

Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Finance Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair in deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant and inconvenience in finance loss