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

We were denied a housing application after incorrect information was on my credit report due to identify theft. I called to see what were the steps to dispute, I was notified to do an id theft suppress and for them to dispute the information with the courts. It has been over three weeks, when I was told that the id theft suppress would take UNDER four business days. Again, it has been three weeks. The same information was disputed through real page, and their investing only took one week compared to saferent solutions.
Product: Debt collection

I was initially contacted by a company known as XXXX XXXX and/or Equitable Acceptance who wanted to consolidate my loans. The original conversation was about how they would pay the loan and I would see and instant improvement in my credit score and then I could make one low monthly payment to their company. I am a struggling single mother of XXXX who could use all the help I can get so I signed the needed paperwork and began making payments to this new company, XXXX XXXX. I made payments for about 2 years and recently my original loan company contacted me stating that I was late on my payments. I told them I had been making payments for the past two years, to which she replied " There has been no payments made towards this loan. '' ( I had been in the period between ending school and beginning my first payments due to low income so this is why they were just now reaching out to me. ) I began to question both companies about why I am paying two different companies for 1 loan. I did lots of research online and called to speak with XXXX XXXX XXXX where I was belittled and threatened that if i ceased payments my credit would be negatively affected. The woman I spoke with that day even said to me " What are you now , XXXX XXXX XXXX?! '' once I told her I was trying to research what has happened. Since then I am continuously getting emails and calls threatening my credit and advising me to contact their collection agency.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Transunion consistently reponds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts reported inaccurate. 
Chapter 7 Bankruptcy Case number : 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: Vehicle loan or lease

I signed a car loan in XX/XX/XXXX. Since then, due to thousands of dollars in repairs, the loan company allowed me to get an extension on a monthly payment 3 or 4 times. I was told that in getting the extension, it would merely extend my loan by that many months. In XXXX or XX/XX/XXXX, my Loan was transferred due to bankruptcy. The new loan company has conducted business by collecting monthly payments and continuing to confirm how many I have left before my loan is paid off. That is, until XX/XX/XXXX. I called to make a payment and was told I owe a balloon payment. I have never been told of a balloon payment in the life of this loan. They are now threatening to take my truck if I do not pay $ XXXX+ a per diem interest. One of their employees told me " that's what this kind of company does. They get you to the end of the loan and then tell you to make a payment that most people can't afford. Then they repo the property, resell it and still have you in debt for the rest ''
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. Im emailing you off a different email due to not having access to my email linked to my account which is XXXX. My phone number is XXXX. All details are in the attachments below. I am a business and I have a {$600.00} balance in the account that I currently cant retrieve. That money is mine & I feel its being stolen from me. I primarily use my PayPal for Online Transactions. I receive occasional income from tips. Everything I do on PayPal is completely legitimate. Here are several examples of recent transactions : [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX  ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] [ XX/XX/year> ] : [ {$600.00} ] received from [ XXXX XXXX ] None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXXPayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. 


I do not have access to the email listed to the account anymore. So you're providing details and information to an email that i have no access to. Like i said before in the countless messages I've stated before. My account is still permanently deactivated. i have {$600.00} of funds, being stolen from me, all because of the incompetence of your company and lackluster employees who offer zero corporation. I demand this issue be taken to an actual competent executive of your company and I demand my account be reinstated so I can take the funds out that are being stolen from me. I do not want another email from you people. I want this situation fixed and my account reinstated so I can withdrawal the funds you people are holding hostage. I will continue to reject your responses until my account is back and functional and the money is able to be withdrawal from my account. 


I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. The Email you may send an apology to is XXXX I hope to hear back soon. Have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, XXXX Experian : This company reports 2 public records on my credit that do not belong to me XXXX XXXXXXXX THIS Bankruptcy references Numbers # XXXX XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2- XXXX XXXXXXXX Reference Number XXXX XXXX THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX XXXX XXXXXXXX XXXX Name : ID DATA INT THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Collections Agency Name : XXXXXXXX XXXX XXXX XXXXXXXX. 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

3- THIS Bankruptcy references Numbers # XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

4- XXXX XXXXXXXX Reference Number XXXXXXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX XXXX Collections Agency Name : ID DATA INT THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXX 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT.
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.I told the Experian, Transunion, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USCS 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. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with XXXX only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with Equifax and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.
Product: Debt collection

I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.
Product: Money transfer, virtual currency, or money service

Hello I'm XXXX XXXX and I'm XXXX years old, I created a paypal account, but they permanently limited it. Telling me that I can't use paypal anymore after providing them with all of my details and SSN, I will like my account to be restored
Product: Checking or savings account

On XX/XX/2020 I had deposited {$2000.00} into my savings account through the ATM. The ATM told me it couldnt process my deposit and had me put the amount I had added into the ATM. And the ATM ate my money and never gave it back. This is all with TD Bank. Later out i found out that my credit card was connected to my savings account which caused a force deposit to happen. After this had happen i got a receipt for records and called customer service right away. They had put a dispute in right away for me. I called today XX/XX/2020, and they told me to dispute was closed and i had never gotten my money back or into my savings account. They told me the best bet is to call the branch that i had used. So i had called them and they didnt have any record of a dispute and basically told me they cant do anything and to call customer service and make another dispute. It has been three weeks since i had done this and no money into my account. I need help with this.
Product: Debt collection

My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off
Product: Debt collection

For at least 10 years I have been hounded about money owed on a XXXX account. I never opened a XXXX account and if I did. I never charged anything to it. 10 years or so ago, I paid a bill collector anyway who said this was related to a XXXX charge. The collector promised that I was paid in full. However, I received another collection notice today. I periodically get phone calls.I have called numerous times and can not get this resolved.
Product: Debt collection

XXXX, I called XXXX XXXX XXXX XXXX and XXXX XXXX in order to resolve a debt. XXXX XXXX commenced to intimidate me with a bench warrant, stating it would wake me up. 
XX/XX/XXXX I participated in a creditors exam, where it was clear to XXXX XXXX I had no income. 
XX/XX/XXXX my bank account was emptied. {$1800.00} dollar 's of the money taken was from unemployment benefits, which should be exempt from garnishment. XXXX XXXX was well aware I collected unemployment. 

Complaints- threatened with arrest - garnished unemployment benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Pentagon Federal Credit Union Attn : Customer Relations Department XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX Credit Bureau. I have circled the items I dispute on the attached copy of my credit report ( s ). 

The items listed below, are in question and do not belong to me. I sent you a response on XXXX XX/XX/XXXX ; however, you failed to respond. This correspondence was received on XXXX XX/XX/XXXX by your office, USPS Certified mail confirmed delivery on XXXX XX/XX/XXXX. Tracking : XXXX. 

Because Youve failed to address these concerns, I am demanding removal of these items Under Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) I have requested documentation of the Method of Verification ( MOV ) and this information has not been provided either. ON or about XXXX XX/XX/XXXX, you responded to this last request for MOV, but failed to provide me with the substantiating records. 

The Rationale behind the removal request ( s ) is that each item marked below contains information referencing a XXXX XXXX Bankruptcy filing. However, no such record exists on my XXXX Credit File. Accordingly, this inaccurate reporting misrepresents my credit file, and can not be validated and must be removed. I am also attaching an FTC Identity THEFT report accordingly the items listed below need to be removed immediately. From my file. 

1. Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 

2. T Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Inaccurate/Misleading Account Information being reported PENTAGON FCU Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Inaccurate/Misleading Account Information being reported 5. 
PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 


XXXX. Unauthorized Credit Inquiry PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 


Please remove it from my credit report. 
During the times in which your firm reports this accounts as either being opened or filed, I was incarcerated and not able to have established these accounts. I am attaching a letter of incarceration to substantiate my claim. Please remove these items immediately from my file. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Last 4 of social : XXXX Enclosures : As Stated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding their continued neglect of my requests concerning my XXXX credit card account. Despite submitting all necessary supporting documents, including Credit Card Statement showing a {$0.00} balance with {$200.00} available balance, and a screenshot of my account. Experian has failed to address my concerns or provide any substantial response. 

My understanding Experian was sued XX/XX/year> by your company Consumer Financial Protection Bureau for improperly handling consumer disputes, which resonates with my experience. It is disheartening to see a major credit bureau not adhering to the standards set forth in the Fair Credit Reporting Act, particularly regarding the proper investigation of consumer disputes. 

My attempts to resolve this matter directly with Experian have not yielded any results, and I am concerned about the potential impact this negligence may have on my credit score and overall financial well-being. I urge the CFPB and FTC to investigate this matter further and hold Experian accountable for their actions. 

Thank you for your attention to this issue. I look forward to your prompt response and hope for a resolution to my complaint. 

Sincerely,