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

I filed a recent complaint against Equifax, but it is not in the CFPB system. Why not? 
The Complaint ID # was XXXX. Now I will repeat my original complaint. 
I have attached eight ( 8 ) letters that I have sent to Equifax since XX/XX/XXXX. 
I have repeatedly disputed two accounts : XXXX XXXX Bank XXXX and XXXX XXXXard Services. 
Equifax has repeatedly failed to comply with the FCRA in numerous ways. 
Equifax failed to inform me of the results of their investigation. 
Equifax did not perform its own independent investigation beyond what some creditor may claim. 
Equifax failed to mark either account as disputed by the consumer, which does damage to my credit scores because if Equifax had complied with the FCRA and marked my accounts as disputed, some credit scoring models do not negatively assess disputed accounts and my scores would not be lowered. 
Equifax ignored my questions in my XX/XX/XXXX letter. 
Equifax made false claims in my XX/XX/XXXX letter ; I did not indicate fraudulent items, I requested a re-investigation, which Equifax failed to conduct. 

These two ( 2 ) accounts must be deleted for inaccuracy and FCRA violations for years.
Product: Debt collection

This is a 3rd party debt collector, not even sure what the debt is for. They have called my job, my inlaws, tried to get money from them. Said they were lawyers. Said they were some government official about a case filed against me. That I should consider this phone call as being served. I 've disputed it with 2 credit bureaus and it was removed. Then this company reported it as new credit debt back to these agencies. I have spoken to 3 employees about their illegal debt collecting practices. " Portfolio Recovery and Associates " is the company name
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report. I am demanding this action because I have send all necessary documentation to correct parties. I have not received any responses regarding it. My identity was stolen I have all my information I could find documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

TransUnion is continuously and knowingly reporting inaccurate, unverifiable information on my credit report and are in clear violation of the FCRA Sec 605 ( a ) ( b ). I have contacted them on numerous occasions with proof of identity theft and that my information was compromised in several data breaches, theirs included. I last made contact with TransUnion XX/XX/23 and advised a representative that I obtained a FTC Identity theft affidavit and had begun to see fraudulent accounts removed by XXXX, XXXX, and XXXX and was advised that they don't accept any affidavit from the FTC and that I would need to file ANOTHER dispute. TransUnion is showing their deceptive tactics by doing all to have me jump through hoops to get false information removed. I have mailed letters and copy of driver 's license and proof of address and proof of data breach to no avail. They claim to verify the information, yet all of my consumer reports are frozen. They have yet to provide proof that these accounts are in fact mine. My credit reputation has been seriously compromised and I am unfairly being denied for housing for my children due to these inaccuracies. As previously stated, XXXX and XXXX have begun removing the fraudulent accounts that could not be verified as mine. PLEASE assist me with having Transunion abide by the law. They have gone well over the 30-day time frame allotted by law to provide proof of debt and methods of verification. The following accounts are NOT MINE and need to be removed ASAP! I have to initiate another dispute however I have no confidence that Transunion will do the right thing at this point I have been attempting to rectify this for years. It is exhausting and embarrassing to be denied for accounts that are not mine. I am also uploading the FTC affidavit. 

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
Product: Debt collection

To : Consumer Financial Protection Bureau ( CFPB ) I am filing a formal complaint regarding a fraudulent account that has been incorrectly reported on my credit report. This account does not belong to me, yet it continues to appear despite my repeated disputes. Furthermore, the credit reporting agency has inaccurately stated that I disputed this account by mail when, in fact, I submitted my dispute online. The recorded dispute dates are also incorrect, raising concerns that someone may be attempting to impersonate me and commit identity theft.

In addition, I have been a victim of identity theft and have experienced XXXX separate burglaries, which I have reported to law enforcement. I have attached copies of my police reports as supporting evidence. Given these incidents, I believe my personal information has been compromised and fraudulently used. 

Requested Resolution : Immediate removal of the fraudulent account from my credit report.

Correction of dispute records to reflect the accurate dispute method and date.

Written confirmation that the fraudulent account has been removed and will not reappear.

Placement of a fraud alert or security freeze on my credit report to prevent further identity theft attempts. 
A thorough investigation into how my information was incorrectly linked to this account and what measures will be taken to prevent future errors. 
This situation has caused significant distress and financial concern. I urge the CFPB to take immediate action to ensure the credit reporting agency properly investigates and resolves this matter. 

Attached : Police reports documenting XXXX separate burglaries. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 
Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I contacted the original company that held my account ( XXXX XXXX ) who established a call with CCS Collections and told them directly that my account was resolved and that there was no longer a balance. CCS Collections failed to remove the collection from my credit report. After XXXX  days I began calling CCS Collections daily to try to get the balance statement to them to remove the collection from my credit report. I have not been able to get through to them at all. I have sat on hold in excess of an hour on multiple occasions. The credit report does not display my account number so I can not establish a login for CCS. I disputed the account through XXXX and XXXX with no resolution because CCS maintains the information is reported correctly. I contacted XXXX XXXX again, and was told that they have no control over CCS Collections.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, my cell phone was lost at XXXX. I replaced cell phone and when I logged into my accounts ; The transactions I noticed were unauthorized I was able to cancel. and received credit. Then on XXXX I noticed until XX/XX/2022 I became aware the person who stole my cell phone had sent {$4200.00} to either themself or someone they know and had used my digital debt card and made purchases. I contacted customer support through my cash app support. The support representative stated there was no recourse to recover any money and sent me information on how to better protect my money. A couple of days later on XX/XX/XXXX contacted support again and once again i was told they can do nothing, to recover my money and to be more careful. After speaking with law enforcement and filling a police report, they informed me I could recover money because it was fraud and an unauthorized transaction. Therefore, I did my research and come to find out the same regulations govern cash app and I have zero liability to unauthorized transactions. Once informed with information, I contacted cash app support. This time, I stated I knew the regulations and I could dispute charges. Only then was I able to dispute charges, but I have still been unable to dispute the {$4200.00} transaction. Nor do I have a card ending XXXX Cash App intentionally gave me false information, which prevented me from filling a claim on the unauthorized transactions. I still can not file a claim for XX/XX/XXXX XXXX XXXX XXXX - {$4200.00} Further, the transactions I have been able to make a claim on listed below : THE XXXX XXXX - {$96.00} Debit XXXX XX/XX/XXXX Cash Card THE XXXX XXXX  - {$67.00} Cash app has sent me two emails stating my claims where approved and I received credit, but I have received no credit to my account. I have contacted them many of times. Each time support states my account was credited, I then provide them a screenshot of my account proving I did not receive credit and conversation abruptly ends with no resolve. Upon checking with the merchants they have all stated the charges were credited back to my account.
Product: Payday loan, title loan, or personal loan

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online via Discover Bank on XX/XX/2022, a consumer credit transaction was completed and Discover Bank denied me credit. The denial by Discover Bank discriminates against my rights as a creditor, which also violates 15 USC 1691 ( a ) ( 3 ).
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 # XXXXAccount name : XXXX XXXX XXXX  XXXX Account XXXX # XXXX, Account name : XXXX 
Account : # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXX name : XXXX XXXX XXXX XXXX 
Account # XXXXXXXX XXXX. have violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and noticed some things are complete 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.

15 U.S.C. 1681B ( 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

Hello, My wife and I are in the process of trying to purchase a home. I noticed a few inquiries that I did not Authorize. On XX/XX/XXXX I sent via certified mail a letter asking the below companies to investigate the inquiries and provide proof of my authorization. They were unable to provide proof, however did not remove previously mentioned inquiries. 

XXXX XXXX XXXX XXXX ( XXXX ) - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Comenity Capital - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX - Inquiry on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AK XXXX I received a phone call and a letter from XXXX XXXX saying that they did not have any written authorization, that I spoke to them over the phone. I asked them to send me a recording of the call then because I did NOT authorize them to run my credit. The man I spoke with told me that they did not need authorization and to " XXXX XXXX ''.
Product: Debt collection

On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18
Product: Mortgage

I applied for XXXX XXXX XXXX ( XXXX ) and got approved on XXXX and I received my award letter with forward payments on XX/XX/XXXX. I emailed the award letter with a 3rd party authorization to my mortgage bank ( US Bank ) to be posted to my account and that they can be aware of what I was approved for. I called next day XX/XX/XXXX to make sure that the award letter was received and also letting them know that I applied for government assistant for my mortgage payments but they had no idea what I was talking about the first person I spoke she had to XXXX who has HAF she was no help. I have been calling every other day to get information of posted payments but they still have no idea who XXXX is, they dont have any notes about me talking about the program. They transfer me department to department, they told me to call the HAF program for guidance but XXXX doesn't have any answers regarding on checks or payments. I had to sold my car in order to make my mortgage payment and now I also have late fees even though payments have been approved for me since XXXX. I just need answers, please!!!! Is gon na be a month in a couple of days since I got my award letter and nobody is willing to help or do their due diligence. 
please see attached the award letter with the forwarding payment info. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1988, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported.The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Consumer Loan

In XXXX, my husband and I purchased a XXXX Nissan Pathfinder ( VIN XXXX ). We stratified the loan. We received the title but we never paid attention that on the title it said it had XXXX lien holder. We are now trying to sell the vehicle. The loan company was Triad Financial Corporation. It no longer exist. Please investigate this matter so we can receive a clean title so we can sell the vehicle.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX I believe that this limitation has been placed in error, as I have not violated any of PayPal 's policies. 

I respectfully request that you re-investigate my case and restore my account if possible. I understand that PayPal has strict policies in place to protect the security of its users and prevent fraudulent activity, but I can assure you that I have not engaged in any such activity. 

I have been a loyal PayPal user for several years, and I rely on the platform for both personal and business transactions. The loss of my account has caused significant inconvenience and financial hardship, and I would greatly appreciate the opportunity to have my account reinstated. 

I understand that this process may take time and that PayPal has a thorough investigation process to ensure the safety and security of all its users. However, I would like to request that you expedite this process as much as possible, as the limitation has already caused significant disruption to my daily life and financial activities. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Student loan

I made 11 payments on my student loans from XX/XX/year> thru XX/XX/year> that were revived by Mohela, my service provider that were never applied to the balance of my loan. I have confirmation numbers and emails from Mohela and have spoken twice to customer service who can see that indeed these payments were revived in their system. I was told both times that the matter would be resolved. Its been about 2 months since my initial inquiry into this matter and nothing has changed. Meanwhile Im accruing interest daily to the tune of over XXXX dollars since I first noticed my payments were received but not applied to my loan. I want to get rid of this loan but if I cant trust Mohela with handling my payments how am I supposed to give them anymore money.
Product: Checking or savings account

This is the follow up to my previous complaints. Fraud department told me they made the decision on XX/XX/XXXX, not to return any of the funds to me in my checking account which they closed with no explanation. 

I no longer care why the closed the account. I know there was no fraudulent activity. In fact, the account was opening with a wire transfer directly from my checking account at another bank. 

I am awaiting they return of {$6500.00}. It was confiscated out of my account on XX/XX/XXXX. I am in the process of researching all regulator bodies where I can file formal charges for this error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX- Account XXXX, XX/XX/XXXX XXXX ) XXXX XXXX Account XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- Account XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX ) XXXX XXXX Account XXXX, XX/XX/XXXX