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

Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
( Account name XX/XX/XXXXXXXX # XXXX ), ( Account name : XXXX XXXX XXXX XX/XX/XXXX# XXXX ), ( Account name : XX/XX/XXXX & OUT # XXXX ), ( Account name : XX/XX/XXXX XX/XX/XXXX# XXXX, ) ( Account name : XXXX XXXX XXXX # : XXXX ), has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete 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.
Product: Vehicle loan or lease

On XX/XX/XXXX, I got my car loan with Wells Fargo which I got approved with a very high ( 14 % ) interest. As of XX/XX/XXXX I have finally paid off my loan.
Product: Credit card or prepaid card

ON XX/XX/XXXX I CALLED DISCOVER, BECAUSE I FOUND A CHARGE MANY YEARS AGO THAT I DID NOT DO, AND WAS INFORMED BY A GOOD FRIEND THAT I COULD REPORT IT AS FRAUD WHICH I WAS NOT AWARE OF, BUT I CALLED THEM AND LET THEM KNOW THAT I DID NOT DO A CHARGE ONXX/XX/XXXX BY   XXXX FOR {$9300.00}. THEY TOOK MY FRAUD COMPLAINT. THEN ON THE XXXX I GOT AN EMAIL STATING THAT I WOULD BE GETTING THE CREDIT. THEN ON MY XXXX STATEMENT I GOT THE CREDIT. THEN A FEW WEEKS LATER AFTER REQUESTING A CHECK FOR THE MONEY WHICH THEY SAID ID GET IN 7-10 DAYS WELL ON THE 10TH DAY THEY CLAIMED THAT I WOULD NOT BE GETTING THE CREDIT. WHEN I CALLED THE WOMAN WAS VERY NASTY SAYING THAT I MADE PAYMENTS WHICH I DID BUT ONLY SO I WOULDNT HAVE A BAD CREDIT SCORE! THEY SAID THEY WOULD PUT IT BACK THRU, AND THEN NEVER HEARD FROM THEM AGAIN! THEN TODAY I CALLED AND SPOKE TO XXXX WHO ONCE AGAIN WAS RUDE SAYING THAT I MADE PAYMENTS AND HOW IN THIS DAY AND AGE WOULD I NOT KNOW I COULD FILE FRAUD. I EXPLAINED THAT I AM AN ELDERLY MAN WHO DOESNT REALLY UNDERSTAND HOW IT ALL WORKS SHE THEN SAID SHE WOULD PUT IT BACK THRU I JUST WANT MY MONEY
Product: Credit reporting or other personal consumer reports

Progressive XXXX XXXX, I jumped to XXXX using web based portal to switch insurance carriers, I authorized XXXX to notify Progressive/ cancel policy. Progressive left me on their books, eventually claiming I owed {$450.00}. I disputed this claim with Progressive, who eventually sold the debt to firm Caine & Weiner.

This firm repeatedly files damaging / deragotory. I don't owe the money. Additional contact with Progressive, sounded in agreement, if the policy was canceled at the time I moved to XXXX, additional charges would not be expected.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my license and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 {$57.00} XX/XX/2023 {$3400.00} XX/XX/2023 {$140.00} XXXX XXXX {$590.00} XX/XX/2023 {$340000.00} XX/XX/2023 {$100000.00} XX/XX/2023 {$290000.00} XX/XX/2023 {$1.00} XX/XX/2023 {$99000.00} These deposits are being held by XXXX XXXX XXXX for an indefinite amount if time, and it may cause my business to close soon if our funds are not released.
Product: Debt collection

This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.
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 XXXX, XXXX, and equifax to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was completed accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reported correctly.

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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
Product: Money transfer, virtual currency, or money service

I had opened a Paypal account. I was sent money from a company for a sale. ( I am a private citizen, not a business ). They put a hold on releasing the money because they wanted to verify the item was delivered. The purchaser gave them that information to confirm that the items were received. I was assured by Paypal that they would release the funds. They would not release them and asked me for 4 other types of personal information. I called back again and they still would not release the funds. I asked for a supervisor and they disconnected the call. I looked on XXXX at their webpage, and there are hundreds of complaints from people saying that Paypal is blocking funds for no reason. This needs to stop. I need those funds emergently and they are acting like big brother. If they want to take this responsibilty to the world, they need to change and fullfill what their promises are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX {$0.00} CXXXX XXXXXXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXXXXXX {$3900.00} XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$94.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX.
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 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,
Product: Debt collection

I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX  I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX  from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX  with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued. 

My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.
Product: Bank account or service

I was an account holder at Wells Fargo Bank, I had numerous of unauthorized charges on my account. I contacted Wells Fargo and informed them on the charges that where put on my account. I sent them a police report and as well, next thing I know they froze my account until further notice and then I was told that my account was being closed, because of a business decision. I called corporate and the fraud department and they wouldnt let me talk to anybody but one specific department that told me that they didnt know why my account was closed, but it was a business decision. I never had a problem with Wells Fargo until I reported that thousands where taken out of my account without my consent. They held the money that I did have in my account for two weeks and I practically begged them to release my money because I had to pay for school and my daughters tutition. They only gave me half of my money and then released the rest later, and stated that if any other charges occur I will be charged for it. And if anything was left over they would send it to me in a check.
Product: Prepaid card

I have called AMEX Gift cards customer service 5 times to let them know that my gift cards have not been working. I keep telling them that it's been declined and yet they don't do anything about it. I have 5 gift cards that I got from my work company and they are active but declining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Product: Mortgage

My loan was sold to Freedom Mortgage a few months ago. I was in the process of refinancing with a dedicated loan officer. During the process, I kept receiving automated calls and direct calls from other loan officers in the same company trying to lower my rate. I ended up cancelling the transaction because I got tired of them calling me. They told me the calls would stop but they continue. Most recently, I escalated to a manager. She started arguing with me on why I should refinance when I simply just wanted them to stop calling me.
Product: Checking or savings account

I opened a savings account with a promised 4.3 % interest back. After almost a year, i noticed my interest back return was not as high as it should have been. Instead calculations showed i was getting back 3.8 %. This is not what i signed up for. There was no communication about this change.
Product: Student loan

This is a follow up to my previous complaint - # XXXX, which was submitted to the CFPB on XX/XX/year>. 

Dear Consumer Financial Protection Bureau, I am writing in response to Nelnet 's reply to my original complaint. Their response was inadequate and failed to address the core issue of financial harm caused by their representatives ' misinformation. 

The information Nelnet provided in their response was outdated and did not offer any solution to rectify the situation. They directed me to submit a loan consolidation application by XX/XX/year> when the complaint was filed on XX/XX/year>. Most importantly, they have not provided any pathway to allow me to consolidate my loans now so that my previous payments would count toward all of my loans- which is what I would have done had I received accurate information before the deadline. 

Due to Nelnet 's incorrect guidance, I am now faced with making significantly more payments on my recent loans than would have been necessary had I consolidated all loans together. This represents a substantial financial impact that resulted directly from following their representatives ' advice. 

Thank you for your continued attention to this matter. 

Sincerely, XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.