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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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, credit repair services, or other personal consumer reports

Experian the credit reporting company does not have live agents at any of their phone numbers XXXX, XXXX, XXXX ... regardless what combination of options you choose in their automated system. 

The only time I ever spoke to a human at Experian was several years ago when I joined as a consumer and had to pay a monthly fee. IT took an act of congress to cancel the membership a few years later, and after that, i have never spoken to a human on the phone. 

Experian has reported the incorrect address for me and I would like to get it corrected. Also I would like to unfreeze my account so I can apply for credit as their automated system online is also not letting me do this.
Product: Credit card or prepaid card

In XX/XX/XXXX, I used my Chase credit card to make two purchases for stock and option trading services from XXXXXXXX XXXX XXXX in the amount of {$5900.00} ( two transactions of {$2900.00} ). Due to the company not providing the service ( s ) that I purchased, I disputed these transactions with Chase Card Services and faxed a formal signed letter to Chase Card Services per its request. An interim credit was issued while Chase allegedly conducted its investigation. However, some time later Chase informed me that it was siding with the merchant ( without explanation ) and re-billed me for those charges in XX/XX/XXXX. I filed a subsequent complaint with Chase because I still wasn't receiving the services that I had paid for but Chase indicated that there was nothing it could or would do. 

I continued to press the merchant, XXXX XXXX XXXX, for quite some time and eventually started receiving the services that I was expecting. In early XX/XX/XXXX, the service ( s ) stopped and calls and emails to it's Customer Support went unanswered. 

I subsequently learned that the Federal Trade Commission ( FTC ) was suing XXXX XXXX and XXXX for XXXXonsumer fraud and had filed its lawsuit on XX/XX/XXXX. I filed complaints with the FTC and XXXX XXXX XXXX. The FTC indicated on its website that I should contact my credit card company which I did. I called Chase Card  Services on XX/XX/XXXX and was told to submit my dispute in writing which I did. However, in spite of all the new information, Chase Card  Services representative, XXXX, a supervisor, has told me that there is nothing that it can or will do.
Product: Checking or savings account

The timing of my direct deposit leading up to this payroll have significantly gotten later and later, further inconveniencing me as I live paycheck to paycheck. 
I rely on my check that I receive biweekly. I've noticed I have not gotten my deposit on Wednesday evening at all, where it normally hits early. As it has done before, I've waited until XXXX the next morning to receive my deposit and it has not arrived. I've tried calling the customer service line but was stuck on hold. The automated message did not mention anything about 'technical difficulties, ' but the app did. I've tried calling again in the afternoon, same thing. 
Only this time, there was a new message from the automated voice that just vaguely explains that there were difficulties. Don't get a hold of anyone. Only did I KNOW that this was a huge problem was by going to X ( XXXX ) to see an entire community of Capital One consumers outraged and struggling immensely, as I did depend on my deposit for basic living necessities and has highly inconvenienced me. The bank has not issued a message or email or anything of the sort, no given timeframe, no real updates, and I had to find out through social media. It is XXXX and my deposit has not hit yet. I have to worry how I'm going to get through the next day or possibly two with a massive overdraft in my account, getting to work and supporting myself, such as feeding myself. This has not been the first time the bank has messed up with my deposit. I will demand some sort of compensation or reparation for the extremely distasteful inconvenience and overall behavior of the Capital One bank for causing such a disruption in thousands of people 's daily lives.
Product: Mortgage

My lender has lied on three different occasions when reviewing me for a loan modification. I have confirmed three times that they had documents such as a divorce decree. Three times I have been told afterwards that they do not have it on file. They are not following the law and properly reviewing me for modification. At the same time, they are pursuing foreclosure. This is dual-tracking and the bank should be fined for the illegal practice, as well as being forced to give me a loan modification. I have been sending documents over and over for over a year. They lie and lie so they can take my home. Please help me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and requested an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate such as addresses which I have never lived. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 or the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately : Address : 1. ) XXXX XXXX XXXX XXXX, XXXX XXXX  2. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 3. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Checking or savings account

Bank Of West falsely accuse me of opening a checking account over the Internet during the time of employment. I contact the department that that was not me but I believe my manager disapproved of my work and decided to put me in check systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card account with Wells Fargo Card Services on XX/XX/2015. The account was closed and paid in full on XX/XX/XXXX I made all payments on time. I received a refund for the secured deposit but the account was showing as paid in full after charge off and sent to collections. The account was never a charge off and it was never in collections. It was paid in full and I received a refund. I have disputed it several times and they have not corrected the status. I would like it to be corrected.
Product: Credit reporting or other personal consumer reports

When reviewing you credit report and when you see inaccurate information and when I have notified them on several different occasions there was nothing done to support my claim. Several times I have reached out to them about things that are not correct on my credit report. Also I when noticed when things drop off of my credit report I never see my score change and I watch my credit report on a daily basis. 
This has been an ongoing problem with Experian and something seriously needs to change with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted paypal numerous times to try and remove this fraudulent inquiry on my XXXX report,
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under 15USC 1666B Timing of 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 no later than 21 days before the payment due date. I did not receive statements from Capital 21 days before the due dates for the month of. XX/XX/year>. XX/XX/year> XX/XX/year> and XX/XX/year>. According to the FCRA, creditors must send statements at least twenty-one days before the due date to allow consumer sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out twenty-one days prior to the due date. Please provide tracking number. if no proof is furnished for verification and validation, please update. late payments to PAANL ( Paid as agreed, never late ) Also, please update payment history to " ok ''.

15 USC 1681A Definite rules of construction. 
( 2 ) exclusions, except as provided in paragraph three, the term consumer report does not include.

( a ) subject to section 1681S-3 of this title any- Report contending information solely as two transactions or experiences between the consumer and the person making the report.

Transaction should not be included on my consumer report if they are not accurate. Verifiable or complete. the late payment on me capital one account should not. be included on my consumer report because according to the consumer law there. they are transactions and transactions are excluded from a consumer 's file. Please update the late payment to PAANL ( As agreed and never late ) and update my report history to " ok ' The 15 USC 1681S. 7 ( A ) ( i ) Responsibilities of Furnitures of information to consumer reporting agencies. 
Negative information ( A ) Notice to consumer required ( i ) in general. 
If any financial institution that extends credit and regularly and in the ordinary course of business furnaces information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the Financial Institution shall provide a notice of such furnishing of negative information and writing to the customer. Furnitures of information such as Capital One must notify consumers in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from Capital 130 days prior or after the late payment was being reported on my credit report. Please furnish proof that a letter was sent to me from credit. creditor along with tracking number. Please conduct proper investigation and if you can not provide proof, please update my payment to pay it as agreed, never late and update payment history to okay.
Product: Mortgage

I am sending this second complaint against Specialized Loan Servicing ( SLS ). 
Specialized Loan Servicing continues to move forward with the scheduled XXXX sale date. I have requested several pieces of information and sent the Notice of XXXX regarding the errors that have taken place on my account regarding the handling of my Mortgage Assistance application. The Qualified Written Response requests information that I believe is not accurate. 
I have requested the cancellation of the XXXX  sale date as all the above items are outstanding and in question. In addition, I have a ratified sales contract to purchase my home! `o I have received nothing!!! Specialized Loan Servicing continues to disregard requests and move forward with complete autonomy. Adhering to no request and ignoring federal guidelines and procedures.
Product: Credit reporting or other personal consumer reports

This request is critical for effectively addressing consumer concerns involving personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying the necessary information, we can ensure that our responses are accurate and tailored to your specific needs. This process enables us to identify and resolve issues efficiently while maintaining the highest standards of customer service. Additionally, it plays a key role in safeguarding consumers from potential risks such as fraud, identity theft, or unauthorized account activity, ensuring their financial security and peace of mind.
Product: Credit reporting or other personal consumer reports

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

This complaint is about Portfolio Recovery Associates XXXX XXXX XXXX. XXXX VA XXXX. 

I have attached a bill for collection sent to my elderly mother. As you can see it is clearly a scam. My complaint stems from the fact that this company is still in operation even after having XXXX of complaints lodged against them. When I tried to contact them concerning this " debt '' there response was to hang up on me. 
XXXX times. XXXX I asked for their physical address. I only now just received it because I told them we were coming to pay the {$2700.00} debt they told my XXXX year old mother that she owed. It amazes me that we have not system in place to protect the vulnerable from these dredges of the earth. 
This is a false debt and these people are criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LIMESTONE XXXX, TX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :  Creditor : XXXX Inquiry Date :XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER DID BUSINESS WITH LVNV FUNING LLC THIS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset that my credit file has never been corrected I've already informed you that my report has inaccurate accounts and unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax on XX/XX/2021 requesting that 7 year old entry from closed XXXX XXXX account with XXXX balance be removed permanently from my credit report, but received no response.