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

I, XXXX XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX TO XXXX This application is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct. 

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data. 

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.
Product: Checking or savings account

Someone call me from chase and said my account was being frauded and that I had to XXXX XXXX to my own number so it can create an error code and with that they can be able to stop the people who were trying to access my account and that the money will not leave my account since Im sending it to my self and when I did the money left to someone else account at a XXXX bank so when I seen the money leave they said I will get it the next day which I never did so when I called chase they informed me it wasnt them and I was fraud victim but that they will investigate and see if they can recover my XXXX this was in XXXX and still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of Ed/Nelnet to remove student loans from my account. The student loans are now CURRENT and OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Siblings and Parents Companies have ' XXXX XXXX Dollars with XXXX XXXX XXXX which, In turn Pays an Experien Representative that ' works in 'poor ' decision making.. As, I Could not. understand the Continued Fees I pay to the Credit Bureau, Bank , Creditor and Insurance Company in a Continuing Identity Theft, Fraud, and Scamming. Potentially, the Personal Theft in a Made Cause could be. Hundreds of Thousands of Dollars amongst ' all the Credit Bureaus. XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting

I ca n't access all my credit cause at the time to verify my past information it those not matched and is because i have some stuff under my credit that is not supposed to be in my credit and that i dont have no idea what they are
Product: Debt collection

Portfolio Recorvery Associates unlawfully accessed my credit report, specifically XXXX on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. 

Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. 

Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).
Product: Student loan

I have had an ongoing issue with FedLoan Servicing. The recent issue started on XX/XX/XXXX. I made my payment, just as I have every month, and it cleared my bank on XX/XX/XXXX. when I went to check my account, which I always do, it said I still had a balance, part of the payment, and that I was past due. I first called on XX/XX/XXXX, I waited to see if something needed to clear, to employee XXXX. She told me that she saw my payment but part of the payment when to something else and that she would place an order to have it fixed within 7-10 business days. My second call was XX/XX/XXXX with employee XXXX who, after looking through my account, told me that the last employee never did anything to resolve my issue. I was then reassured that he would take care of the issue with an order ... ... Same thing. My next call was with employee XXXX who said they saw the request from XX/XX/XXXX and that between XXXX XXXX it should be resolved. After seeing it was not resolved, I called and talked to employee XXXX who informed me there was no order and that she would have her supervisor help her expedite an order to take care of my issue. It is now XX/XX/XXXX and my bill says I am still past due. 
This issue is still not resolved. 
This company has screwed me out of thousands of dollars already by recommending I switch my payment plan for loan forgiveness ( income based ) only to increase my monthly payment to 3 times what I already pay which I could not afford on a XXXX   salary. And when I wanted to switch back they told me that I needed to do standard payment, which added 5 years of payments to my loan with no opportunity for forgiveness. 

I just want to pay my bill and be done with these people.
Product: Credit reporting or other personal consumer reports

Experian, itself is furnishing information on my consumer report without participation of the said companies. I have contacted all the financial institutions below, none has validated reporting inquiry to Experian, however Experian continues to report the erroneous inquiries items on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The FTC and the CFPB have brought several enforcement actions to address violations of the FCRAs file disclosure requirements. In FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ( XXXX XXXX XXXX ) ( alleging that defendant violated FCRA section 609 ( a ) by failing to disclose the sources of information contained in consumers files in response to consumers requests ) ; United States XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
112-cv-01313 ( D.D.C. 2012 ) ( alleging that defendant violated FCRA section 609 ( a ) ( 1 ) by either failing to provide consumers with information in their files or failing to do so upon request ) ;
Product: Debt collection

Procollect INC, contacted me about money owed for breaking a lease. I payed them the total amount but they keep the collection on my credit file to look like a loan paid in full. It was not a loan and should have been removed when I paid in full. I filled a dispute with XXXX and they said only Procollect could remove it from my Credit report. Im a XXXX XXXX veteran and on a limited income. However, I paid the debt now Procollect should remove it.
Product: Credit reporting or other personal consumer reports

Ive been in contact XXXX, Experian and XXXX in hopes of getting XXXX XXXX accounts removed from my credit report, these accounts belong to someone else that live in my household that has a similar name as well as similar phone number and the continue to say they have verified them as being mine and refuse to submit how and wh they verify the information with Ive just received a letter from XXXX where they are refusing to remove or even reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a XXXX Loan due to the coronavirus pandemic because of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inaccurate informations were inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect informations listed below. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX
Product: Bank account or service

XX/XX/2017 CFPB : JPMChase contractor " XXXX '' took and refuses to return to me my XXXX ( XXXX ) Repurchase Agreement Materials, when JPMChase had acquired XXXX. I had never given permission to XXXX or any of its Successors or Assigns to break into any Homestead of mine and take my XXXX Repurchase Agreement Materials, in Violation of the Illinois Unclaimed Property Act. In connection with my XXXX Repurchase Agreement Materials, I have never waived any legal right of mine to own Property. 
I demand that JPMChase provide me all materials concerning its Contract with " XXXX '', including, but not limited to, true copies of the Contract ( s ), e-mails, telegrams, transcripts of telephone conversations, notes, appointment book pages, etc., in addition to returning all my FNBC Repurchase Agreement Materials. 

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

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from XXXX today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the XXXX  Website and Also XXXX  Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. *** Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX Dispute XXXX XXXX/XXXX  XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online. 

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase using Klarna 's buy now, pay later installment products in the amount of {$1300.00} on XX/XX/year> on XXXX. I purchased like items at a nearby store for cheaper, and decided to return the entire order. XXXX  provided a single label and I sent the items back via the UPS label they provided ( XXXX tracking number ). After some time passing and no refund from XXXX, I reached out to XXXX ( the merchant ). They indicated the items were mis-delivered at another warehouse and there was nothing they could do and refused to refund me. I contacted UPS who said any claim on the package would need to be initiated by the merchant as they provided the return label. A rep with XXXX said they couldn't refund outside of this policy but I was welcome to dispute with my bank. In this case, " klarna '' is the bank. They give a visa card to buy the items and should have dispute capabilities similar to the bank. Unfortunately that is not the case. I sent in all documents and communications they asked, and the dispute was automatically closed demanding I pay the amount in full. I reached back out to XXXX who said they had no record of dispute from Klarna. I complained of this issue on the better business bureau, to which a klarna rep said they could not help me as this retailer was not in their network. I then disputed the klarna payments with my bank. Instead of contacting me, Klarna opened the loan again to be paid in full ( again ). This is predatory & no investigation was ever done for my dispute. I will not pay for items I did not receive and it is Klarna 's responsibility to address that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. PayPal quite frequently. My Email linked to my paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX Pandemic in XXXX of XXXX I contacted capital one auto because they said if youre having hardship during the pandemic to do so for help, I spoke to a representative who setup a payment accommodation who stated that my payments would be deferred during the pandemic but I would accrue more interest each day to be paid at the end. I told her I could not make the full payments each month on my auto loan and she said just pay whatever you can when I can and that I am covered under the CARES ACT that went into effect XXXX XXXX. The Cares ACT states An accommodation includes any payment assistance or relief granted to a consumer who is affected by the XXXX pandemic during the period from XX/XX/XXXX, until 120 days after the termination of the XXXX national emergency declared by the President under the XXXX Emergencies XXXX. Such an accommodation includes, for example, agreements to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract. An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. The XXXX XXXX XXXX is still in effect and is supposed to end XXXX XXXX. Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. Furnishers can grant accommodations voluntarily or pursuant to a statutory or regulatory requirement. The XXXX XXXX provisions addressing how furnishers report accounts subject to an accommodation apply if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. Capital One Auto Finance failed to report my payments as current from XX/XX/XXXX until XX/XX/XXXX. I Started my career and have been making all my payments on time. I recently applied for a mortgage but was denied, after checking my report i noticed all the reported late payments on it, I have disputed this with the creditor direct, the 3 credit bureaus and they come back verified. I have escalated this dispute and sent a letter to the XXXX XXXX of the XXXX of Capital One who at first thought it was a goodwill letter and sent my request to someone and they would not agree to change my report. I told her this is not a goodwill adjustment and she stated she would look into it further for me which I am waiting to hear back. These late payments severely affect my chance to be approved for a mortgage or any future credit decision and is damaging my personal relationship with my fianc at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number XXXX, Account name - XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX Account name : XXXX Account number XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus has failed to fulfill its legal obligation under the FCRA to conduct a proper reinvestigation of disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issuing 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 the credit bureaus have neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Equifax and XXXX continue to violate federal law and my rights as a consumer.
Product: Vehicle loan or lease

I contacted Chase Auto Finance since my report shows that the account was over 30 days late and the account has never been over 30 days late. The representative in the credit disputes department stated that he would investigate it for me since I am in the process of purchasing a home and this has ruined my credit score. The representative told me that when I requested a deferment that is what caused my account to show as over 30 days late. I explained that I was not advised of that, and had I have knows that was going to happen I would have not deferred any car payments. I asked the representative that and she explained that would not happen.
Product: Payday loan

Today I received a call from a lady at an agency who claims they were hired by Check N Go to notify that I had defaulted on a load. The agency number is XXXX. She said the loan was established on XX/XX/XXXX and charged off on XX/XX/XXXX. I can say without a shadow of a doubt that I did not apply for said loan. I have the XXXX app and to date this loan has never appeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was XX/XX/XXXX the amount is was {$2600.00} the. I was XXXX XXXX XXXX. Every year since XXXX they have been taking my income taxes for years till this day. An then I found out the sold my personal information. I called the Educations department an when I spoke with a young lady she said, she don't have any information for me. An then some company called bout XXXX weeks later .but they were talking so fast till after the said who they were an what they have of mine they hung up on me an I tried so many times to call back the number out of service. They wanted me to put my mom in jail. Cause she signed this for me Department of Education said that to me An it saddened me for them to suggest that.
Product: Debt collection

I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.