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

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with Child Support Enforcement that is actually past the statue of limitations. I have disputed with Experian several times and they just indicate it's updated but no information changed at all and again the first delinquency occurred over 7 years ago.
Product: Debt collection

XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX  XXXX XXXX  XXXX XXXX  - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.
Product: Checking or savings account

PNC closed my account in XX/XX/year> because my family gave the wrong information. After realizing my account was closed, I tried to claim my money, but PNC didn't provide me anything. I went to branch office, and they said they can't help and let me call the Fraud Department or file a complaint. PNC said my money was transferred to state government. I went to unclaimed property but can't find any record under my name. Agent from state government said if they received any fund from PNC, PNC should have the confirmation record. But PNC said they didn't have anything to provide. 

XX/XX/year> {$51000.00} in my account XX/XX/year> {$0.00}. My money was transferred out.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ), has violated my rights. 

1

5 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

NCA-XXXX  XXXX have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, account # XXXX has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish the account without my written instruction.

15 USC 1681 C ( 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 USC 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Nelnet can not maintain a reliable, usable, functional website to access loan information, make payments, or anything else regarding the student loans they administer. The web site goes down weekly, preventing any access. Today it's been down for hours, I can't log in, when I think I might log in I get an error and told to " refresh my browser '' which only produces the same error. This has been an issue since my loans were moved over, over a year ago. It's time they fixed their XXXX.
Product: Student loan

After rehabilitating my loans I was again working with Navient directly. When I called them to express financial difficulties at the time they gave me information on deferment. I submitted the paperwork and am still currently on deferment however I did not k ow there were other options for me on my loan and tht never provided alternatives.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed XXXX XXXX XXXX- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed XXXX. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX XXXX have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

XXXX XXXX
Product: Mortgage

I Obtained a conventional loan from Citizens Bank where escrow was not an option. Discovered after the loan closed, I was incorrectly charged private mortgage insurance ( PMI ). I received instructions from Citizens on XX/XX/XXXX with conditions for PMI cancellation. Requested PMI policy cancellation and refund of money paid/escrowed on XX/XX/XXXX explaining I was charged PMI in error. Further explained I qualify for cancellation based on criteria Citizens sent under Option 2 : " if your loan is less than 2 years old the principal balance must be 80 % based on current appraisal '' My current appraisal that the bank utilized to secure the loan is {$150000.00} my loan amount is XXXX therefore my loan to value is under the 80 % threshold and I should not have been charged the PMI under Citizens own guidelines, I provided copy of all supporting documentation. My request to cancel PMI was unfairly denied with inadequate explanation.
Product: Debt collection

This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings account.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within XXXX business days pursuant to FCRA XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a zero balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the Nurses in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated marketing offers to upgrade my XXXX XXXX XXXX XXXX to a XXXX  XXXX, I finally accepted though an online process. This was on or about XX/XX/2023. The XXXX card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted XXXX XXXX and instructed them to cancel my Business XXXX XXXX and refund me the annual fee I had recently paid. I was told that I had exceeded the XXXX window to get a refund on the XXXX XXXX XXXX I was now looking at a combined fee of {$790.00} for two XXXX XXXX cards, I instructed the company to cancel the XXXX  Card and reinstate the original XXXX XXXX. On or about XX/XX/2023, I contacted XXXX XXXX again and asked them to reconsider charging me the full {$690.00} fee for the XXXX  Card considering I had already paid {$95.00} for the XXXX XXXX. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled XXXX card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed XXXX XXXX to reinstate the previously issued XXXX XXXX. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. XXXX XXXX has denied reinstatement of the XXXX  Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in XXXX XXXX internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with XXXX XXXX. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that XXXX XXXX review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit that I have no knowledge of and have been hesitant as I do not want alerts placed on my credit which is causing problems for me as I have issues accessing my credit due to previous Identity theft and unauthorized access to my report causing fraudulent activity and accounts being opened
Product: Checking or savings account

I filed a previous complaint with the CFPB - CFPB Case Number XXXX. In response to this complaint, XXXX XXXX from the Office of the Chairman at Citizens Bank informed me that " as of XX/XX/2021, your checking account ending in XXXX has been closed in a manner which it can not be re-opened. '' However, shortly thereafter, the checking account was re-opened, and Citizens Bank charged me approximately {$140.00} in overdraft fees. They also placed my account with their collections department. As the account was closed and I could no longer access it through my online banking, I did not know it was overdrawn and was obviously not aware it was assessing charges. I spoke with Citizens Bank about this issue, and I was told a request was made for this money to be refunded. Several weeks later and the money was not refunded. I also contacted XXXX XXXX, the representative that handled my other case, several times over the last 3 weeks, leaving a voicemail twice. Despite my attempts to contact XXXX, and her voicemail stating that she returns calls within 24-48 hours, she never called me back. I want Citizens Bank to do what they originally agreed, and refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed US Bankruptcy XXXX XXXX # XXXX. And in response you verified the information as accurate, stating that you verified the information with XXXX XXXX. I contacted XXXX XXXX, and their response is enclosed. It is clear that you are lying as XXXX XXXX states they notified YOU on XX/XX/2022 to have the data removed. So, you are willfully and purposefully being unlawful. 

Therefore, your original response that you verified the information was a error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. 

SO in response to your negligence, Ive filed another complaint with the CFPB. 
Ive filed a complaint with the XXXX 
Ive filed a complaint with the XXXX  Attorney Generals office. Intake # XXXX Ive attached your response dated XX/XX/2022 and the XXXX XXXX response. So Its obvious that you are being negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I used to live in the XXXX XXXXXXXX XXXX from XXXX always payed the rent on time then either the owner sold the property or got a new management team, after that the upkeep on the property was basically nonexistent which caused a XXXX  infestation so i was force to leave they also told me personally that they no longer had the documents from before they bought the property now years later i check my credit report and realize they have been garnishing my wages they have already taken about {$4100.00} and i dont know why please help because I know that im being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

This is further to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 because PayPal made an incomplete assessment and stated that I had not conformed to a time-frame of 180 days. This isn't entirely true, and PayPal needs to look into this complaint more thoroughly. In addition, PayPal completely ignored the problems PayPal causes by putting merchants in a list -- without the account-owner 's knowledge -- that enables the listed merchants to pull money from accounts automatically. _______________ An unauthorized charge was made on XX/XX/2021. 
_______________ I reported the charge to PayPal on XX/XX/2021. 
_______________ The unauthorized charge was made by XXXX. 
_______________ I had informed XXXX by text-chat on XX/XX/2021, that they were taking money out of my account without permission. 
_______________ XXXX promised in writing in that same text-chat 1 ) to make a partial refund of prior charges and 2 ) that they would never make any further charges. 
_______________ But they never made the refund. And they also took money out of my account again on XX/XX/2021. 
_______________ This I reported this to PayPal on XX/XX/2021. 
_______________ PayPal closed my first complaint here on CFPB on XX/XX/2021. They said I had not notified them of the problem within 180 days. 
_______________ But I notified them ON THE SAME DAY of the most recent problem. And also well within 180 days of XXXX 's written promised refunds. 
_______________ PayPal was wrong to motion to close my CFPB complaint. 
_______________ PayPal also needs to take responsibility for automating a setting in which merchants are given the ability to pull money out of accounts without the owner 's knowledge of that setting.
Product: Credit reporting or other personal consumer reports

Experian credit report contains fraudulent accounts. Delete immediately.
Product: Credit reporting or other personal consumer reports

Equifax 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 experience, where Equifax, TransUnion and Experian, has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate or corrective action to remove or amend the disputed accounts. As Experian, TransUnion and Equifax violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX