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

I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$240.00} WE XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

I have let them know the debt was being disputed with XXXX XXXX, XXXX XXXX had no right selling the debt without my knowledge and in dispute since 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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

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

Received a bill from Target Red Card XX/XX/XXXX. Was paid in full XX/XX/XXXX. Have confirmation number and name of person I spoke to. Target continues to bill for an account thats been paid.
Product: Debt collection

I am currently working with a debt relief company to help me resolve my unsettled debt. Portfolio Recovery Associates , LLC has relentlessly called, sent text messages, emails, and postal mail to me. I receive no fewer than XXXX calls a day. They are now contacting family members who are also receiving several phone calls a day, as well as mail.
Product: Checking or savings account

I tried to link my PNC Bank account to XXXX and PNC is blocking access to this app.
Product: Payday loan, title loan, personal loan, or advance loan

My interest rate is not listed on my statements, or in my portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incident happened today XXXX/XXXX/2021. I tried to file a dispute with Experian and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to Experian was about XXXX  : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
XXXX  is not providing correct information to credit reporting agencies and is messing up my credit score. Experian did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX  balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX  balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.
Product: Credit reporting or other personal consumer reports

On XXXX I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 reinvestigation; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion delete 3 collection accounts that after an investigation dispute XXXX and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me Midland funding LLC Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX Account # XXXX Deleted on XX/XX/2020 by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX  XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX.High balance, XXXX. Last activity and XXXX. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXXXXXX XXXX XXXX {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Checking or savings account

There was a fraudulent transaction on my checking account that took place on XX/XX/XXXX  at XXXX XXXX, CST. I immediately alerted the bank. {$210.00} was withdrawn from my account through an unknown merchant, XXXX XXXXXXXX # XXXX. Prior to this withdrawal, someone accessed my account through XXXX XXXX XXXX, which appeared to be a banking verification process. They made a deposit of {$0.00} and then immediately withdrew the {$0.00}. And shortly thereafter, withdrew the {$210.00} that I had just put into the account a few hours prior to this incident. My personal and sensitive information has been compromised because of this. The bank, Found Bank, is refusing to refund my funds. The perpetrator gained access to my personal information through Found Banks platform. I have had my email account for over 20 years and always used this email with my checking accounts and have never had this happen to me. Please help. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I went to buy something on XXXX XXXX, and the lady I was buying From insisted we used PayPal. We went through with the payment. Later that evening, the lady, I bought the product from asked if we could switch to a different service ( XXXX ) to make the money process faster. I agreed, so long as she canceled the payment from PayPal. The next morning on XX/XX/year>, I got notification that the status of the invoice she sent me for the product was refunded. I realize the product was paid for, I went through with the other source of payment. On XX/XX/year>, my bank notified me that {$500.00} had been withdrawn from my account for PayPal. I Called PayPal and told them, and they told me the refund would be in my account by XXXX XXXX. I checked on the XXXX of XXXX, and no refund was present. Asked for a supervisor for PayPal and she notified me that the seller had altered the status of the invoice, but hadnt actually sent me money. PayPal told me to get in contact with my bank. 

My bank told me they couldnt do anything about it. 

In an attempt to contact the seller, I wasnt able to get ahold of her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated dispute submissions, Equifax consistently responds within 24 hours, stating that the account in question is accuratewithout providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes. The rapid response time and lack of supporting evidence strongly suggest that Equifax is not fulfilling this legal obligation. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . Given this pattern of noncompliance, I urge the CFPB to take appropriate action to ensure that Equifax adheres to federal law and provides consumers with the necessary proof of a reasonable investigation. The disputed account : XX/XX/XXXXXXXX. I appreciate your attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update from case # XXXX : Each time I dispute Experian take points away and make old delinquencies appear current delinquencies Experian updated my report with inaccurate information show I have recent delinquencies 1. XXXX XXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Showing as of XX/XX/XXXX I have a balance of {$650.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 27 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Updated inaccurate Problems as follows : A, Showing as of XX/XX/XXXX I have a balance of {$590.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 26 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Status Inactive. ( This is closed and has been since XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX A. Shows 26 hits of 30 days late CORRECT INFO ( late 6 times XXXX XXXX and XXXX and XX/XX/XXXX Charge off was XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

Southeast Toyota Finance repo my vehicle, after getting a notice of violation of my right to recession of the contract within XXXX XXXX Notice was sent to them and it was ignored. according 15 U.S Code 1635 ( a ) I was never notified in writing about my right to rescind the contract. So the contract is void and null, they still harassed me collection of the voided contract. There was financial and emotional damaged caused by their business malpractices.
Product: Credit card

I just logged into my XXXX XXXX  XXXX credit card and was shocked to see that I have been charged {$2100.00} in interest charges! Mind you, for the last several weeks I have been waiting for a balance transfer to get processed as my promotional interest rate of 0 % was ending last month with XXXX XXXX  XXXX. Therefore, I did a balance transfer to XXXX XXXX  but the check was sent to the wrong address ( per the chat agent from XXXX XXXX XXXX ) so I had XXXX XXXX stop payment and reissue the check. Turns out the address was correct after all because XXXX XXXX  XXXX cashed the check of {$2500.00} and then returned the payment the same day on XX/XX/XXXX. XXXX XXXX has since reissued a new check to a different mailing address the XXXX XXXX  XXXX agent provided me and I am awaiting this check to get processed to close out this account. I have been in communication with XXXX XXXX  XXXX via phone calls and sending them emails to get an update as to why I was also issued a returned check fee of {$30.00} when their company provided me the incorrect address to begin with. They allege that a " return payment fee applied to an account when a payment is returned due to insufficient funds in customer 's account or customer 's credit account is linked to an old or incorrect checking account. The returned payment fee can not be removed unless it was caused by an error at your bank. '' I have always been on autopayment and this error was not due to any of the reasons they provided above, but because of the incorrect information they provided for the mailing address. In addition, last month I attempted to make 2 payments which were both rejected. XX/XX/XXXXXXXX  was an autopayment for {$89.00} which was refunded to me on XX/XX/XXXX. The 2nd payment from XXXX XXXX was paid and returned on XX/XX/XXXX. The next day on XX/XX/XXXXXXXX  XXXX XXXX  XXXX then charged me a {$30.00} returned check charge. Then on XX/XX/XXXXXXXX  I made the usual autopayment of {$86.00} like I had been doing for the last almost 2 years. I have attached the latest statement which now includes a predatory interest charge of {$2100.00}! This is insane and I can not afford to pay this extra charge! I have paid on time every single month since opening this card in XXXX. Had XXXX XXXX  XXXX confirmed and provided the right mailing address to begin with, I would have left the 1st mailed check as is and not cancelled it because it was obviously mailed to the right address and cashed and then ultimately returned. They should be able to provide chat records as proof that they gave me incorrect information when I asked several times to confirm the mailing address last month prior to mailing out the initial check. Now, I have been charged a returned check fee and an astronomical interest rate fee of XXXX near the current balance that I owe. My statements for XX/XX/XXXX, XX/XX/XXXX, payment history excel sheet, and the copy of my emails to the billing department are attached. Please help me! I am a federal employee who should not have to pay an extra {$2100.00} on top of the current balance of {$2500.00}. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did a search and found that not being to dispute items online has been an issue for at least 5 years. The last employer that have on file for me I last worked for XXXX or XXXX  years ago. Overall it appears that they are intentionally making it difficult to file a dispute. And they are not making an effort to keep information updated.