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

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, XXXX and TRANSUNION ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX XXXX XXXX and TRANSUNION.
Product: Credit reporting or other personal consumer reports

Over a week ago, I contacted all 3 credit agencies to unfreeze my account so that I can buy a house. XXXX and XXXX had it done in an hour. TransUnion has passed me from person to person, lied to me and said the account wasn't frozen, told me to fix it online and it's the only way to fix the problem. Gave me a wrong email address to send my SS # and DL #. I have sent the information to them over a week ago and my account is still locked and the lender can't access. I am going to lose the house to a backup contract if it's not fixed by Friday. No one will help me. I have called at least 6 different numbers and over 10 times and have gotten no help to unfreeze my account. They will not help me or give me any information on who can help. This company is holding my information hostage because they are incompetent and refuse to help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In effort to correct my reports I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

My credit report shows XXXX XXXX XXXX I had credit cards opened under my name without any authorization. They keep reporting to XXXX and XXXX I need this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance Owed : {$46000.00} 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX 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 of 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

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian 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 are the accounts that are still reporting on my account : XXXX  XXXX XXXX XXXX Balance {$940.00} XXXX  XXXX XXXX XXXX Balance {$300.00} XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX  FIRST XXXX XXXX Balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$430.00}
Product: Debt collection

To whom this may concern : A debt was reported to my XXXX credit report in XX/XX/XXXX. I have tried numerous times to report to the collections company that has this debt in their reporting to my report that this debt does not belong to me nor does the is the address associated with the account ever been somewhere I have resided or know of. They have made numerous attempts since XXXX to contact me about this debt until finally late XXXX they stopped contacting me after I asked them to stop calling me and explained to me that I've trying to get them to remove the collection from my report for over two years now. I keep disputing the collection with XXXX and they keep validating the debt as mine with the collections company. The collections company reports on my report as Penn Credit Report for the amount of {$300.00} owed from the XXXX XXXX XXXX XXXX. I let them know that I do not reside in the XXXX XXXX XXXX and that my address as it is reported on my report is XXXX XXXX XXXX XXXX XXXX FL XXXX. I have tried numerous times to work with the company to prove the debt does not belong to me and that there must be a mistake but they will not work with me and are telling me the debt must remain on my report until it falls off. I am asking that someone from this organization help me find a resolution to have this inaccurate collection removed from my report.
Product: Money transfer, virtual currency, or money service

I read this on the company 's website, but the relevant information is missing : " XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' 1 ) The company sent me an email that they were having order processing problems, and I could cancel the order and my XXXX  would be refunded {$XXXX}. ( see attached PDF ) 2 ) I cancelled my order, expecting a refund.

3 ) It appeared that my order was not cancelled, so I emailed directly to XXXX to clarify my cancellation for a refund because of the problems with this order. 
4 ) It appeared that the communication system XXXX uses does not have a human being representative, or there is no direct human being at XXXX to speak with when there is a problem. I asked repeatedly to speak with someone at XXXX to fix this, because the email responses I was receiving did not address directly my cancellation and refund, though the email response did acknowledge the company had " system error. '' 5 ) Subsequently after contacting XXXX repeatedly to fix this cancellation for the refund, my account mysteriously had error messages : " something went wrong. '' ( See attached PDF. ) I could not again log into my account, after I raised these complaints with the company. 
6 ) The next day, the company wrote to me that I was beyond a XXXX hour time limit to submit a complaint about the order. This was very confusing. I again asked to speak with a human being at XXXX, and asked for the appropriate contact to understand how my money was transferred through the company. The company refused to provide a direct human being contact. 
7 ) I next looked at the company 's help page in detail. ( Attached PDF. ) I located this section of interest : " '' XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' When I clicked on this section, this webpage gave an error message. ( See attached PDF. ) 8 ) I asked the company to provide these Licenses/Disclosures directly to me via email, as the webpage is broken. I have not received a response.

9 ) The phone line says that " support is currently not available in your area. '' XXXX
Product: Mortgage

Specialized Loan Servicing is a predatory lender who has constantly used servicing practices to harass and disadvantage me so they can force me out of my house. 

I am : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  Veteren XXXX XXXX The company had a representative come to my house and XXXX XXXX me, calling me " a XXXX, XXXX  XXXX. '' Video included. 

After complaining they said they were not responsible, yet they use constant tactics to force me into foreclosure as a predatory lending company. 

I am reporting claims of discrimination and abuse as a XXXX, XXXX, XXXX veteran and XXXX. 

Multiple previous complaints to both the CFBP and Nebraska Department of Banking and Finance Regulation demonstrates a pattern of discrimination and predatory practices starting in the years prior to the pandemic and continuing throughout. 

I ask that CFBP scrutinize Specialized Loan Services discriminatory practices that amount to constant microaggressions in servicing practices including charging me and carrying over a fee called a " BPO '' which was not paid by housing assistance funds. 

This fee was charged for the visit by the person who called me a " XXXX XXXX  XXXX ''. 
This fee caused my credit score to be impacted over the course of the last 6 months were it was carried. 

SLS violated my civil rights and continues to be a source of mental and emotional distress due to the CONSTANT use of these predatory lending practices. 

Because I am XXXX. 
Because I am XXXX. 
Because I am XXXX Because they want my house! 

And I am not alone! SLS routinely preys on homeowners forcing them into default. 
THIS HAS TO STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Equifax asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Equifax of the inaccurate information and I didnt receive it from Equifax. Since Equifax doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : #  XXXX**** Creditor Name : XXXX XXXX  XXXX Account Number : #  XXXX**** Creditor Name : XXXX Account Number : # XXXX****
Product: Money transfer, virtual currency, or money service

I am trying to close my PayPal account associated with email XXXX. 
When I submitted complaint XXXX PayPal responded that I have an outstanding balance of {$380.00}. 

However, when reviewing my account balance there is no evidence available to me that demonstrates I have an outstanding balance of {$380.00}. PayPal may prove with an itemized account statement the outstanding balance PayPal is referring to. 

When trying to review transactions these are not available, please review enclosed video. There is no evidence that I owe money to PayPal. 

I also request that PayPal to provide a toll free number for calling PayPal customer service outside the United States. 

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

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. 
I have been disputing incorrect and fraudulent information that Experian Credit Reporting Agency has on my credit report for the past year. I submitted Identity Theft report number from the Federal Trade Commission and internet crimes related to illegal use of my information along with other proof invalidating info they have on my credit report. I have found that my personal information has also been used to apply for credit cards. I have received an couple of emails from Experian stating they ran my information and found it on websites and is exposed to identity theives. However, Experian does not take this into consideration while I am disputing fraudulent accounts and incorrect information on my credit report. I have sent Experian every peice of information about myself but they have not done a real investigation. Instead, they add the information that I have provided to the profile/data they have already created. Their data is a mixture of accurate and inaccurate information that Experian does not want to sort through or validate. 
I've contacted multiple companies during disputes. Experian has not although they claim they investigated. Their dispute results always come back as " verified and accurate ''. I have repeatedly requested specific information related to their investigation such as : what companies did Experian contact, what phone numbers they used, who did they talk to, what time did they talk to them, and what information was provided.

I have not received any of the answers.

I dont know if Experian are trying to use a scare tactic to get me to upgrade my membership on their website and pay for one of their Identity Theft protection packages or what.
Product: Credit reporting or other personal consumer reports

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history XXXX this card is wrecking my credit score. I am demanding XXXX from XXXX transunion and XXXX for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX  XXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last year, I had to file bankruptcy and immediately notified all creditors and debt collectors. I included contact details for the attorney and clearly stated the bankruptcy as well as asked for all contact to be made to my attorney instead of myself. 

Portfolio Recovery have been phoning me non-stop since XX/XX/2023 despite my previous letters asking them to stop and contact my attorney directly. 
However, they continue phone seven days a week from multiple phone numbers which I immediately block. Calls begin at XXXX until XXXX on some days. 

They have ignored my attorney information and recently sent a letter threatening litigation despite having been informed of my attorney 's details.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}
Product: Debt collection

On XX/XX/2020, I submitted a dispute with XXXX to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, XXXX  closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, Experian, and XXXX after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : 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

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.
Product: Credit card or prepaid card

I have bank of America account for 12 years. I had set up auto pay on all my credit cards. Without any notification bank decided to cancel auto pay every year recently. So we as customers started getting late fee charge. When I called to complain they say it's a new policy, you will have to get up auto pay every year again n again. I have 15 credit cards with different dates and months, so I need to remember to reschedule payments again n again. What is this scam?