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

application with my signature. i mailed them letters on late payments when there is none i asked date time who they spoke with to validate debt. they have failed to update my information as i can't log in i applied for credit a number they know is no longer used they kept and not have updated my number to XXXX inquires don't show permissible purpose they don't have my permission to share my information. they are misrepresenting who i am. and not bearing all info in compliance with reports i sent invoices ignored so because of their refusal to update and answer to dispute my credit report has dropped almost XXXX points in a couple days I'm deprived of my rights because of their failure .when i call theirs a beep which is an interception call always XXXX last year through our disputes child support doesn't exist unconstitutional they don't have my application with my consent or signature so im being adversely discriminated. they verify investigations as valid minus proof a claim will be brought if it is not corrected, they said open sky i overused my credit and r reported 4 late payments in a couple days apart they are causing harm and d discrimination and each investigation -re they despitute 30 days laws says different
Product: Credit reporting or other personal consumer reports

I am having a problem getting my Lexis Nexis, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX Report. I would like for Lexis Nexis, XXXX XXXX XXXX and XXXX XXXX to send me a complete copy of my consumer report via XXXX mail. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXXXXXX XXXX XXXXXXXX License Number is : XXXX, Issue Date : XX/XX/XXXX, Exp. Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times with Equifax reporting inaccurate information in my public records regarding a bankruptcy that I filed on XXXX XXXX that I was withdrew and because it was withdrew it was dismissed. I filed a dispute with XXXX XXXX XXXX for Equifax on XX/XX/2022 on XX/XX/2022 XXXX XXXX made Equifax aware that the disputed information was removed from my credit report. I will be attaching a copy of this that was provided to CFPB and I was mailed a copy. Then on XX/XX/2022 I received an updated credit report from Equifax stating that on XXXX XXXX that the information in my public record was verified as accurate with the US BANKRUPTCY COURT AND THAT XXXX XXXX XXXX XXXX PROVIDED THIS INFORMATION WHEN THEY IN FACT STATED TO THEM THIS INFORMATION WAS INACCURATE. SO I OBTAINED INFORMATION FROM XXXX XXXX, XXXX XXXX XXXX AND US BSNKRUPTCY COURT BUT TO THIS DATE EQUIFAX HAS FAILED TO FIX THIS CAUSING HARM GO MY PUBLIC RECORD. 

EQUIFAX CREDIT FILE CONFIRMATION # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U. S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, 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. Please remove the following items from my credit reports immediately : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The Virginia Department of Taxation nor Harrison Harris attempted to contact me at my correct address. I never received any certified mail or any communication from them whatsoever. Harrison Harris wants me to pay 60 % of my total balance of {$25000.00} ow to the Virginia Department of Taxation with no guarantee that my name will be removed from the offset program which is garnishing 100 % of my wages. I then will have no means to make a monthly payment on the remaining balance. I currently have no income and which is not subject to offset.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted by XXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from Cash Central in Idaho XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. XXXX is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from XXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against PayPal ( XXXX ) for Withholding Funds To Whom It May Concern, I am filing a complaint against PayPal for unjustly withholding funds from my business account, XXXX XXXX XXXX. Despite full compliance with all their requirements, including submitting a XXXXXXXX XXXX account, a verified PayPal account, and supporting documentation, the funds remain inaccessible. 

PayPal has failed to respond promptly, provided inconsistent instructions, and caused significant financial harm to my business, including delayed payments, reputational damage, and operational disruption. I have spent hours on their chat system with no resolution or actionable feedback. 

I request your intervention to investigate this matter, ensure the immediate release of funds, and hold PayPal accountable for their actions. I can provide all relevant evidence to support this complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX Trading [ Your Contact Information ]
Product: Payday loan, title loan, or personal loan

ace cash express are contacting my family and telling them I committed bank fraud and will be throwing me in jail. XXXX, the manager in the office told me they will serve me papers today if I dont pay in full. When asked about my rights, she hung up on me. They are contacting family in other states, that I dont even know and telling them this business.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report. After reviewing my file, I discovered an account that does not belong to me, and its presence is negatively impacting my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unverifiable, or improperly reported. Consumer reporting agencies are required to ensure all data is accurate, fully documented, and compliant with legal reporting standards. If this account can not be verified with proper evidence, it must be removed immediately. Please investigate and provide documentation proving the validity of this account. If verification is not possible, I request its immediate removal from my report. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

Dear XXXX officers, I have a property originally financed by HSBC bank in XX/XX/XXXX and this loan was also modified in XX/XX/XXXX by the same bank. Recently, I refinanced my loan with XXXX XXXX  XXXX in XX/XX/XXXX. There were two wrong charges posted to my account by HSBC. One for {$4000.00} and one for {$3700.00}. I was able to catch the first unjustified charge since it was stated in my monthly mortgage statement prior to my refinance in XX/XX/XXXX. However, the second charge of {$3700.00} was not revealed to me till exactly few days prior to my refinance closing date with XXXX XXXXXXXX XXXX in XX/XX/XXXX, under Recoverable Balance ( attachedXXXX   XXXX XXXX XXXX XXXX Borrower Estimated Settlement Statement ). I must have closed the refinance, otherwise, I would lose the favorable refinance rate as well as advanced paid appraisal. HSBC stated that both charges are incurred due to my loan modification in XX/XX/XXXX! 

I explained and disclosed HSBC loan modification agreement as it clearly stated all unpaid amounts up to loan modification had been summed and included in my final modified loan amount ( attached- Loan Modification Agreement, No.1 highlighted in yellow. Based on my explanation evidenced by the modification agreement, HSBC removed its first duplicate charge of {$4000.00} ( attached- HSBC letter XX/XX/XXXX ). 

However, as soon as my loan was refinanced in XX/XX/XXXX, HSBC is not responding nor refunding its second unjustified charge of {$3700.00}. Since XX/XX/XXXX, I have actively pursued to resolve this issue amicably and directly with HSBC.  However, it is inferred that not being their customer longer, I am not able to defend my rights further. 

Therefore, I kindly seek your assistance to investigate this unwarranted charge committed by HSBC as soon as practically possible for you. 

Thank you very much in advance and please let me know if any additional documents needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and I believe someone stole my information. Have n't looked on their website because if I do I waive my right to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Authorized User ) - XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I changed my due date from the XXXX to the XXXX on the Chase Online website, in order to align with my paycheck dates. As of today XX/XX/XXXX, I kept checking online to see my statement which should have close on the XXXX as every month but it has not closed yet. I called Chase and they inform me since I changed my due date that also changed my statement due date, unknowingly to me since their website did not disclose to me at any time while I did the change of the due date. Now I am stuck with an unplanned statement period which will be over a month and half instead of the regular just 30 days, just because Chase did not warn me or at least inform me changing the due date was also gon na affect my statement closing date. Furthermore, their website still shows my closing date as of the XXXX of XXXX. If I would not have called chase I would not have had any notice this change went in effect.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditors have violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that XXXX XXXX  and purpose.
Product: Debt collection

Capital One CEO XXXX XXXX and agents has violated my rights as a consumer and the federal laws pursuant to 15 USC 1592h by ignoring my previous complaints about being in violation of the FDCPA and disregarding my request directing that all payments made on the credit account be mailed via check to the address on file. XXXX XXXX is in violation of the 18 USC 894. Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, Capital One Bank CEO XXXX XXXX is in violation of 15 USC 892. Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, CEO XXXX XXXX is in violation of the truth in lending act which 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization.

I am the natural person due credit on an open end credit plan ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I have the right per clause ( f ) to defer payment of debt and incur and my rights have been violated by Capital One Bank CEO XXXX XXXX. 

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, I was punished for exercising my rights as a consumer requesting a cease and desist from contacting regarding the alleged debt and CEO XXXX XXXX closed my account. Which did not benefit me as the consumer and he had no right to do so pursuant to federal law of unauthorized use of credit.
Product: Credit reporting or other personal consumer reports

I've been having trouble with Experian for many years. Every time I apply for car or home financing, I have to pay higher interest rates because they can't find my record with Experian. I've already lost a lot of time on the phone with them, open dispute, calls that are disconnected and the last straw was last week when my lender informed me that I wouldn't get a loan because Experian doesn't have my score and my credit is over XXXX with XXXX and XXXX. Every time I call Experian it's a different excuse. Today, for example, they said it was XXXX 's fault that it didn't report it to Experian. I called the XXXX company and there they informed me that this can only be an excuse from Experian and that XXXX doesn't report anything to anyone. When I financed a car last year my interest was higher because, again, the dealer I was unable to obtain my records with Experian. Last week my home loan was not approved because they were also unable to obtain my records with Experian. This isn't fair, I've lost a lot of business, hours on the phone and no one has an answer. I hope you can help me. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

Hello Sir/Mam, I opened a line of credit with XXXX XXXX through Synchrony Financial about two years ago to purchase an item. During that I was offer a promotion where I could finance the item for several years interest free as long as the item was paid off by the end of the promotion. A couple months after this purchase, I purchased another item under the same line of credit utilizing another promotion program. Till this I havent used the line of credit and have paid bill on time ( I was never late ). Unknowingly, when paying my bill the company did not advise me that my payments werent going fully towards my balance and never advised that I needed to pay additional payments so that I have successfully pay y balance prior to the end of the promotion as to avoid any and all interest fees. I recently checked my online account with Synchrony Financial ( because I have the bill paid on auto-payment ) to so have my account is looking and saw that the balance was {$1000.00} and the promotion was expiring on XX/XX/2018. I immediately became concerned because I have always paid my bill on time and complied with the promotion terms. I reached out to the company and receive no solution ; they stated that if I do not pay the balance off by XX/XX/2018, I will be billed approximately {$2200.00} in interest fees right away and hit with a large interest fee every month after. I believe the company should have notified me and advised me that I would need to pay additional payments on top of the minimum payment if I wanted to pay off the item before am I charged the interest rates. Please is there anything someone can do to help me, I am not refusing to pay my balance I am simply asking that Synchrony come up with a solution to avoid any interest charges. Thank you so much for reading this and I hope I can get help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XXXX - {$1100.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX - XXXX - {$3000.00} Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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