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

XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX - {$1500.00} I reached about these account stating this is incorrect info and they keep reporting and changing the dates on these accounts
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me get it back and get it up and running. I'm not sure if this is a bug, as I suppose it must be. I have not been able to get help from them for days in any way but just remembered that I could report here because I feel like they are not doing their job properly and it is affecting me a lot as I used PayPal to get paid for my services quite often. My email linked to my PayPal is XXXX. This is affecting my mental health because they want to unfairly hold my money for 180 days in this pandemic situation.
Product: Credit reporting or other personal consumer reports

Recently, I looked a copy of my credit report and noticed several Inaccuracies on my accounts. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
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 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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It Also States a 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 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

Ive disputed with Equifax three separate occasions over the past 90 days an unverifiable item that is on my report. They have not removed it, they have not responded and there is no creditor/collection company name on this account to contact. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent to XXXX, trans and XXXX  they all taken more than 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has given me the run around for almost a year now and they are unable to update my credit report. They keep giving me the error code XXXX XXXX But each time I call they tell me something different and say they are escalating but they do nothing. 

I am not able to apply for a mortgage because they are holding me back by not updating my credit report. I am so stressed out and do not know what to do. There has to be someone high up at Equifax that cares enough to help. I do not know what to do!
Product: Debt collection

My former landlord demanded almost {$700.00} in bogus repairs after we moved out on XX/XX/2023. I disputed the debt with the landlord and he sent the amount to pre-collections with XXXX XXXX immediately ( within XXXX days ) despite the thirty-day period he offered to us in writing. 

After communicating with XXXX XXXX about a further dispute throughout XXXX with little success, I offered {$370.00} to settle the account completely. XXXX XXXX agreed, and I paid the {$370.00} via credit card. They also charged a {$13.00} credit card processing fee which exceeds the limit of XXXX percent. XXXX XXXX said they would close my account. Not only did they neglect to close the account as promised, but they re-upped my balance to the remaining account and proceeded to call and harass my girlfriend, another leaseholder. 

XXXX XXXX XXXX at XXXX XXXX and XXXX XXXX should be investigated for this fraudulent and deceptive business practice.
Product: Debt collection

I was contacted by a debt collector called XXXX XXXX in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX and XXXX. I have trying to Express my situation with XXXX and XXXX bu th they just wont listen and have now file a court case against me for a bill I already paid.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX
Product: Debt collection

I had a medical bill from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The medical date has been paid and I have the canceled check to prove it. They send my account to collections to SUBURBAN CREDIT CORPORATION XXXX XXXX XXXX, XXXX, Virginia XXXX
Product: Debt collection

I recently received an email from a third-party collections entity, Jefferson Capital , LLC , claiming ownership of the debt associated with two credit cards. My immediate response was to send them a request to provide me with a verification letter concerning the debt, which should be sent to my home address by mail. 

To date, I have not received any correspondence, and thus, I take the liberty of sending this email as a follow-up in respect of the delay. Upon my review of my credit report, I was alarmed to see that it reports the collection as a derogatory account, which significantly hurts my credit score. 

The e-mail communications indicate the history of subjects covered, concerning the XXXX XXXX issued by XXXX XXXX  and XXXX XXXX issued by XXXX XXXX XXXX XXXX, respectively, each with its reference number. 

Jefferson Capital will not do collections while a debt is under verification and my account is not, therefore, currently reported to the credit bureaus ; hence this statement adds an even bigger question mark on the validity of their statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment
Product: Credit card or prepaid card

2 main issues - 1XXXX XXXX overcharged me for a room that was posted as a 1 bedroom, 1-1/2 bath apartment. It turned out to be 1 room with 1 bath. Also, the furniture was broken and it was not clean. I am seeking a refund of {$620.00}. I have sent the documentation to Capital One multiple times but they deny that they have received it. I am attaching pictures of some of the problems. 

2- Car Rental As a tourist in XXXX XXXX I am not required to pay VAT on rental cars. Also, in 1 case I was charged {$1300.00} instead of the quoted amount of {$1000.00}. Again, I have sent the documentation multiple times and Capital One denies receiving it. I am attaching documentation here.
Product: Checking or savings account

In  XXXX    XXXX  , I received an e-mail notification from Bank of America that my account had been frozen. When I contacted them, they told me I had to speak to the law firm who put the restraint on my account. I contacted them and they told me they had a judgment against me, but I didnt know anything about it.     I went to a free clinic at the court and they looked up the case, but there was no judgment. They referred me to an attorney. The attorney told me that under state law, the bank has to send me forms asking if there is any income in the account that is exempt from collection when they are asked to restrain the account. The Bank never sent me this form, and some of the money in the account is exempt under state law. My attorney contacted the law firm and found out that there was a judgment against me in a different case, and when we checked the court file, we found out that the reason I didnt know about the case was because they had served me at the wrong address. My attorney is asking the court to vacate the default judgment, but because that can take a while, she also contacted the Bank and the creditors law firm to ask them to release my exempt funds from my account.     The bank refused to speak to her and said that they would only speak to her if I was on the line with her every time she called to give them authorization to speak to me, even though I had already given my attorney written authorization. I have  XXXX  and have been undergoing  XXXX  treatment for my neck. It leaves me very tired and affects my ability to speak. I had saved up the money in my account to live on while I was getting treatment, since I would not be able to work because it makes me weak.     Although they would not speak to my lawyer about my specific problem, they told her that they always send out exemption forms and if a customer calls them and says they did not receive it, they send it out again. The bank has my correct address, so if they mailed it to me, I should have gotten it. Because the bank refused to speak to her, the attorney sent them a letter with a copy of a retainer from me and explained to them that they had not complied with state law and that they needed to send me the exemption form and to release the funds that are automatically exempt under state law.     The bank still has not sent me an exemption form and they still have not released the money from my account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Student loan

My payment with ACS student loan payments is unavailable and cant be ascertained by Fed-loan Servicing, XXXX XXXX, nor ACS. The ACS company is no Longer in business.I was a public service loan forgiveness borrower from XXXX with ACS. I have received no payment credits. 
My current lender is FED LOAN Servicing
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the Inaccurate items in my file that resulted from the erroneous items but I still have ITEMS left that needed to be removed. This is my another complaint attempt to dispute the information in my credit file which resulted from an incorrect credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an incorrect credit reporting, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : EXPERIAN : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any information in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Checking or savings account

For the last few years I have been reeling financially due to the pandemic and rising prices in rent. 

Not to garner sympathy but just to explain, I dont have folks ( parents ) and began my fXXXX XXXX XXXX XXXX XXXX XXXX  XXXX right as everything fell apart. 

To boot, as I began working full time to cover new expenses, my ability to attend XXXX dwindled. 

I was then charged an exorbitant amount of money for lack of participation despite having no choice. This is STILL preventing me from applying to colleges or receiving my transcripts to this day. 

While not exactly what I planned on reporting, I found mentioning this to be important as for the years following I was in bad shape. I even had to sell my car to pay rent after being booted from school. This is where U.S. Banks XXXX  fees come into play. 

Given my financial situation I have watched U.S. Bank skim at least a XXXX XXXX out of my account. Be it through tricky pending purchases or magically having a charge change dates a day before Im paid.

I guess Im just curious if Ill be able to retrieve those funds when the new law takes effect or if I have any recourse. Ive spent so much time with a negative bank account and only because of their fees accruing hand over fist. They recently closed my account due to lack of funds and I have bills accumulating after being priced out of my apartment again. 

Its overwhelming and Ive no other options. 

Thank you for taking the time to read this, I tried to make it as pleasant and brief as possible. 

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

Trans Union is not included my dispute statement in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to XXXX and Transunion. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX
Product: Debt collection

I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported negatively only in one bureau. This is unfair. Please help get this corrected or removed.
Product: Checking or savings account

I had a TD Bank account that was closed for no apparent reason or explanation, after nearly one month and a half I cant get no one to tell me if my funds were mailed to me.

I live XXXX  so I cant just walk into a branch and would have to spend nearly a XXXX XXXX  to go back home. TD Bank is holding all my savings at this point and has me depending on friends to survive.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, XXXX and Equifax. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a call from an XXXX number. 
As I was on the phone with the supposedly representative, I was researching the number on XXXX, and it said it was a legit Bank of America number. The rep claimed that there were some fraudulent transactions in my account, but I couldn't see them online, next, they sent me a XXXX request from the same number that BofA sends me notifications in regards to XXXX, at this point I was very confused because my gut told me it wasn't a legit BofA call but all of their communication channels matched those of BofA. Finally, I hang up and called BofA back just to confirm that it was in fact a scam. How can they use BofA 's communication channels without BofA having any knowledge of it?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCY EXPERIAN,  XXXX   XXXX  AND   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE