23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from my credit report.
Product: Debt collection

Every day someone calls me. I block the numbers and they use different ones
Product: Credit reporting or other personal consumer reports

These items I did not authorize or give them to run my personal information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I was repeatedly called by an unknown caller while at work. I answered and they told me it was the courthouse of XXXX XXXX in which I reside notifying I am being sued. They told me to call XXXX and said it is an attorneys office to receive further information. I called that number and received no information about what company or law office I was I speaking with. I was then transferred to a woman who basically ambushed me about a 10 year old debt, far beyond the statute of limitations in my state, with Comenity Bank that had already been resolved. She told me I owed an amount of around {$2000.00} on a debt that was about {$400.00} which again has already been resolved and removed from my credit about 4-5 years ago. She then threatened me being sued multiple times during the call. After hanging up I tried to call back to further question this matter only to find out they have blocked my phone number.
Product: Credit reporting or other personal consumer reports

XXXX continues to allow XXXX XXXX XXXX to report medical debt to my credit report, in which I do not recognize nor did I consent to them accessing my medical information. This coincides with my belief that I have been a victim of the XXXX XXXX XXXX. 

They did not provide the original signed document alleging my consent to this debt, nor did I ever agree to pay this debt to XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX- Opened XXXX XXXX, XXXX ( {$1100.00} ) XXXX XXXX receivables is a medical debt The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX =================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am a XXXX XXXX and I received a job offer to my email it was a mass sent out email to all students at the school. I started the hiring process providing basic information that you would give for a job. They told me that I would need equipment and I received a check to my email from another email. They told me to deposit the check and get in contact with them. They stated to make any purchase needed to get my position. I cashed the check and they gave me the funds. My account was over drafted because they said the check was bad. I filed a claim and I was part of a scam. They said they were going to investigate and get back to me. I continued to call them and they said they were not going to give me any information. They stated that they found the account linked to a XXXX XXXX account. They said XXXX XXXX would be the ones to give the money back but they said that XXXX XXXX was not able to get the funds because the account was closed or there were not enough funds in my account to get the funds. They stated that they could not further assist me and they did not offer a credit or any assistance to help with getting my money back on my account. My account is now in over draft they are not willing to help me and I feel like that they are not communicating enough with XXXX XXXX with getting my funds back. Bank of America has now closed my account and cleared the balance but I havent received the money back that was originally in my account of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. On XX/XX/XXXX I submitted another letter to Equifax requesting an investigation and i have not received a response from them or any notice that they have started an investigation. Equifax stated that they obtained information through a third party vendor XXXX XXXX Data Solutions ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.
Product: Vehicle loan or lease

I took out a car loan in XX/XX/2023. I couldn't afford car insurance because I got laid off. Since the vehicle was uninsured they increased my loan amount by more than XXXX XXXX. I currently have insurance on the vehicle and the loan company hasn't reduced the loan amount. Can they increase my loan like that. The company is gold acceptance. This has affected my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX and Report Number XXXX Date Generated XXXX XXXX XXXX  Account info Account name XXXXXXXX XXXX Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XXXX StatusClosed. : {$580.00} past due as of XXXX XXXX 

Status updated : XXXX XXXX Balance {$5600.00} Balance updated : XX/XX/ Recent payment- Monthly payment : {$210.00} Credit limit : {$4700.00} Highest balance : {$5600.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days Payment history guide 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute several inaccuracies in my credit report that remain unresolved, despite my prior attempts to address these issues. My experience reflects many of the problems cited in the Consumer Financial Protection Bureau ( CFPB ) XXXX recent lawsuit against XXXX ( Case No. XXXX ), including : Failure to XXXX Reasonable Reinvestigation : XXXX has not adequately investigated the information I disputed. Specifically, it appears that critical evidence and supporting documentation I submitted were ignored. 

Mischaracterization of Disputes : XXXX dispute process misrepresented or oversimplified the basis for my disputes, leading to insufficient and erroneous resolutions. 

Inadequate Results Notification : The results of the reinvestigation provided to me were unclear and contradictory, failing to identify what information was updated, if anything, or whether the inaccuracies I disputed were corrected. 

Failure to Delete Inaccurate Information : The inaccurate information I challenged remains on my credit report, which directly contradicts Experians obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer reports. 

Disputed Accounts Below, I have listed the inaccurate items along with details of the disputes : XXXX XXXX XXXX Issue : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 

Possible XXXX Systems XXXX : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 
XXXX Issue : Inaccuracies in payment history AutoNation Finance Issue : Inaccuracies in payment history Supporting Documentation I have attached screenshots to support my dispute. 

Legal Obligations Under the FCRA Under the FCRA, you are required to : Conduct a thorough and reasonable reinvestigation of disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Accurately communicate all relevant information I provide to the furnishers of the disputed accounts ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Remove or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Provide clear and accurate results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

Request for Resolution I request that you : Immediately delete or correct the disputed items in my credit report.

Provide me with a complete and clear explanation of the results of your investigation. 

Notify me of any reinsertion of deleted items as required by law. 

Failure to address these issues may leave me with no option but to pursue further action, including filing complaints with the CFPB and considering legal remedies. 

I expect your response within the XXXX statutory period. Please send the results of your reinvestigation to my address listed above. 

Thank you for your prompt attention to this matter. 

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

All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/XXXX  have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

Experian is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof Experian has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.
Product: Debt collection

I contacted XXXX about an account that was opened in 2019 last year. They said they do have an account but some of my info was different than what they had. The account was sold to true accord and I contacted them on XXXX they were investigating and said that XXXX had XXXX days to respond. Its not XXXX. I contacted them on Monday and Wednesday XXXX they said XXXX  has not responded. My rights are being violated and I need answers.
Product: Consumer Loan

I CA N'T STOP RECEIVING MAIL FROM GM FINANCIAL ASKING THEM TO PAY A DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX : {$22000.00} Opened : XX/XX/year>XXXX  Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.
Product: Student loan

I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).
Product: Mortgage

I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account. 
I am getting the run around. 
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so. 
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve this.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to submit a complaint and appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I have not violated any PayPal policy. 

I have been using my PayPal account for several years now without any issues, and I was surprised to learn that my account has been permanently limited. I have always conducted my transactions in accordance with PayPal 's policies and guidelines, and I have never engaged in any fraudulent or suspicious activities. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand the importance of maintaining a safe and secure platform for all users, and I assure you that I have no intention of using my account for any unlawful or unethical purposes. 

I kindly request that you provide me with specific details regarding the reason for my account limitation, so that I can address any concerns or misunderstandings that may have led to this decision. Additionally, I would appreciate any assistance you can provide in resolving this matter as quickly as possible. 

Please note that the email address associated with my PayPal account is XXXX. I look forward to your prompt response and thank you in advance for your assistance. 

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

XXXX XXXX reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Product: Student loan

I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. 

Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. 

I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I initiated a dispute for the XXXX accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. XXXX does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.
Product: Debt collection

ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.
Product: Credit reporting

I have items on my credit report that do not belong to me, as I am a victim of identity theft. I submitted my police report and FTC report along with my letter multiple times to Equifax and although most of the accounts were removed, the XXXX XXXX XXXX XXXX account was not blocked at all and only came back as " verified ''. This account does NOT belong to me and I have been disputing this account for months now! They are violating my rights under section 605B of the FCRA. If they DID block this account and re-inserted it, they did so without my knowledge and never informed me that this account was re-inserted ; by law they must notify me within 5 business days of the re-insertion. Neither of these things happened. My next letter to this company will be an Intent to Sue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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