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

Contacted all 3 burueaus multiple times regarding validation for enorrous reporting still have yet to provide that evidence asked for and better yet these problems still persist on my credit report and has not never been deleted investigated or just responded too in lawfully manner everything has been misleading confusing and off during the process Failed to Validation of Debt- Falsely represent or imply that accounts have been sold to innocent purchasers for value Falsely represent or imply that documents are legal process Use any name other than the true name of the debt collectors business, company, or organization abbreviations, numbers are considered false / misleading.

Unfair Practices False / misleading practices Please take each account that was disputed previously for violating consumer laws 15 USC 1692 Validation of debts False / misleading representations CFPA 's prohibition on unfair acts or practices. 12 U.S.C. 5531 ( c ) ( 1 ).

Delete each account across all the bureaus for failing to respond, failure to comply and failing to report 100 % accurate information and actually provide factual proof during investigation process Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. 

On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. 

I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. 

On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. 

Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. 

I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. 

Thank you in advance for your assistance. 

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

I tried to call Experian over the phone at XXXX XXXX XXXX and I could not get in touch with any live person that could help me that is why I am filing the dispute threw CFPB. There is a high balance of XXXX reported on my discovery card and on other credit reports such as XXXX  I saw high balance of XXXX in the month of XX/XX/XXXX. This is incorrect high balance and current balance for the month of XXXX billing cycle. The correct balance and high balance for XXXX is XXXX that will be sent to Experian in the next few days. The problem with XXXX or XXXX balance it is over the credit limited of XXXX and that is not my closing statement balance. This is XXXX account XXXX open XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRAUnder the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Product: Credit card

my name, billing address, phone number, email, my debit card information were used without my permission. Spred out over two transactions with a company that sell sports tickets online. Merchant web site : XXXX. fraud transacton : XXXX ). XXXX XX/XX/2023 XXXX {$1500.00}. XXXX ) XXXX XX/XX/2023 XXXX {$2300.00}. I did learn from XXXX supervisor that the IP address used during purchase was down in XXXX texas, not local to my home, I am in XXXX XXXX Texas. // I had discovered the two fraud charges and called my bank to start dispute process. // the merchant denied my claims that these two charges were fraudulent // my banker requested of me that i file a police report and forward back to them for review, banker reviewed police report said without satisfactory sufficent documentation they will not process a chargeback to merchant. // here is my issue, i don't have documentation that they want, I am the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity theft report listing all fraudulent accounts and inquiries that are reporting to my Experian credit report. Below is also a list of all fraudulent accounts and inquiries that are being reported on my Experian credit report. 

Experian Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 I discovered that there was a collection appearing on my credit report and I went to the free annual credit report website and easily secured my reports from XXXX and XXXX, filed a dispute and the item was deleted in less than 24 hours. Not so with Equifax. They keep showing a screen saying my report couldn't be shown online and direct me to request the report by mail. 

This is an obvious excuse not to comply with the law. I want that incorrect information removed from my report now and not the couple of months it would take by snail mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquires from my credit report. XXXX told me to list them individually for them to remove them. Please see attached police report.
Product: Debt collection

I received a collection notice from Credit Collections Service on behalf of XXXX. While I didn't agree with the debt, I was in the process of getting a mortgage so I decided to resolve it. I paid the full amount of {$550.00} in XX/XX/2020 with the understanding the collection would be deleted from my account. I understand they normally only update the account as paid in full so I was very clear and adamant I was only paying the collection if it was to be deleted like it never ever happened. If they weren't willing to do that I would have settled for less or just not paid it as the damage was already done. The representative confirmed it would be deleted and took my payment for full. I waited up to 90 days like I was told for the changes to appear on my credit. To date the account has not been deleted. It is marked as paid in full but that isn't good enough to get a mortgage. I tried disputing this with all three credit bureaus but my dispute came back as verified. I contacted CCS numerous times. My internal account number is xxxxxxxxxxx. I asked for them to provide me a copy of the recording and review the account. They refused. I paid until false pretence and expect this to be deleted or my account to be refunded. They have refused either solution. I was lied to and this is fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian and XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent non-compliance. I believe Experian and XXXX have failed in its statutory obligation to ensure the accuracy and fairness of the information included in my credit report and has demonstrated negligence in handling my prior disputes. 

Details of Complaint Negligent Reporting of Inaccurate Information : Experian has failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in my credit report. 

Ensuring maximum accuracy of consumer report information ( 15 U.S.C. 1681e ( b ) ).

Conducting a reasonable reinvestigation upon receiving a dispute ( 15 U.S.C. 1681i ).

Providing accurate results following investigations and correcting errors promptly.

Their failure to comply with these obligations has caused harm to my creditworthiness and financial well-being.
Product: Debt collection

I recently disputed a claim from this company that I owe them monies to which they were unable to, on multiple occasions, provide me with the verification I requested. They removed the items from my credit report only to repot them again under a different abbreviated name.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$990.00}
Product: Mortgage

The mortgage company has not released funds for the insureds project. They have also not released the funds owed to me. They are holding our funds hostage and making demands i have already complied with. At this point, they are committing tortuous interference and delaying a construction project which is costing the insurance company more money every month this is delayed.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX placed a collection on my Equifax credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the account. XXXX XXXX has failed to verify this account, since my first dispute letter in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer. Therefore I am requesting legal action to remove this account immediately. I have waited long enough.
Product: Payday loan, title loan, or personal loan

I have been a customer with Avant for a number of years. I have had a total of 3 loans with Avant and never had an NSF fee. I have never had such horrible customer service. I moved a payment from the XX/XX/XXXX to the XX/XX/XXXX thru their online system. On XX/XX/XXXX a payment attempted to be withdrawn from my bank account. I have received a $ XXXXfee from my bank as well as a $ XXXXfee from you. I call XX/XX/XXXX and spoke with a customer service rep, a manager and a section manager. I simply requested for the $ XXXXfee to be removed. Their customer service representative said I could not, I spoke with a manager by the name of XXXX who said she could not waive the fee, then I spoke with a section manager by the name of XXXX who stated the same. While waiting to speak to the section manager XXXX came on the line and stated " I'm going to need you to stop judging me ''. As I did state they have provided horrible customer service. Now I did schedule the payment well ahead of time thru your online portal and I was told " oh you just scheduled an additional payment not move your current payment ''. I attempted to be responsible and do the right thing by Avant but was unsuccessful. This caused overdraft with my bank freezing my account which made a {$2000.00} deposit be denied on my account. Not one person from Avant called I only found out because my deposit was rejected.
Product: Credit reporting or other personal consumer reports

I called the companies XXXX XXXX XXXX XXXX. I asked to delete all names that are not mine, addresses that aren't mine, birth date and social security numbers that aren't mine. The information was not taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXe of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXXate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act XXXX account # XXXX, has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

14 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I advised the company on XX/XX/2020 that I would be making my payment that was due on XX/XX/2020 on XX/XX/2020. I made the payment in the morning as I stated I would. Later in the afternoon I called to make sure that USAA Bank where the funds were and transfered to USAA Bank where the loan was. The first person I got after the Notice this is attempt to collect a debt I got XXXX XXXX in Florida. XXXX advised me after much haggle unless I gave him my phone number or email. He refused to transfer me to a supervisor and is also working for a third party hired by USAA to collect debts. XXXX would not disclose the name of the company the address. 
I then called back to get XXXX XXXX who would not transfer me and when she did get a supervisor they would not talk to me because I was not verified. She also would not disclose the name of the company or the phone number she was working for. 

The above individuals with intent would not disclose the name of the company they worked for under the Fair Debt Collection Act. Unless I gave them my phone number, Pin number and SSN. USAA is unwilling to talk to anyone and anyone that is hired to do the work for them does nothing to identify themselves other than the first name. 
USAA has come up with a lot of rules and does not send them in large print as they have been asked several times and when you complain they leave a short message and unwilling to help.
Product: Mortgage

Mr. Cooper will not stop calling asking if we'd like to refinance or borrow against one of our rental properties which we have on the market for sell. They call 2 or 3 times per day and I have informed them to stop calling each time for the last week. Calls persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a complaint to XXXX, XXXX, Experian about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, Equifax, XXXX ), XXXX   XXXX, Account # XXXX ( XXXX, Equifax ), XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax ), XXXX XXXX XXXX XXXX, Account # XXXX ( Equifax, XXXX ),  XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX, Account # XXXX ( Equifax, XXXX, XXXX  ).