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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXXXXXX XXXX  OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX XXXXPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE
Product: Credit card

I used PayPal Credit/Synchrony Bank to finance a transaction in XX/XX/year>XXXX  for {$240.00}. The merchant sent the items out in separate shipments, which tripped PayPal Credit up and they separated the {$240.00} charge into multiple transactions. I ended up returning all but one item of clothing amounting to {$58.00}, meaning I should have been refunded the remaining amount ( {$180.00} ). 

Instead, as a lone consumer, I have been left with a balance of {$180.00} on my PayPal Credit account. I have had to be the intermediary between these giant corporations who can not seem to pick up the phone and call one another to resolve this matter. I do not have access to inventory, shipment information and case notes to determine why I am left footing a bill for merchandise I returned back in XX/XX/year>. 

Everyone I have spoken to at PayPal Credit/Synchrony Bank reads from a script and only wants to dispute the charges THEY ARE CHARGING ME with the merchant, who already resolved my case in XX/XX/year>. I want a full refund/removal of the balance on my PayPal Credit account and to close the account so I never have to do business with this incompetent " bank '' ever again.
Product: Credit reporting or other personal consumer reports

I discovered fake accounts on my credit report during a recent review. Please remove them as they are hindering my ability to obtain credit. 
XXXX XX/XX/XXXX - {$10000.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX - {$7400.00} Account Number : XXXXXX/XX/XXXX XX/XX/XXXXXXXX {$12000.00} Account Number : XXXX DPEDXX/XX/XXXX XX/XX/XXXX - {$3300.00} Account Number : XXXX DPEDXX/XX/XXXX XX/XX/XXXX - {$3500.00} Account Number : XXXX
Product: Debt collection

one day I saw that I lost XXXX points on my XXXX  account a debt collector Vance and Huffman LLC trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Credit Acceptance Corporation XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Interest Charges- Account # XXXX Dear Credit Acceptance Disputes Department, I am writing to formally dispute a pattern of inconsistent and potentially excessive interest charges applied t Below are a few concerning examples : - XX/XX/XXXX : {$790.00} interest on a balance of {$23000.00} - over 4 % of the previous balance. 
- XX/XX/XXXX : {$560.00} interest on {$22000.00} - 2.39 %, above the standard rate. 
- XX/XX/XXXX : {$600.00} interest on {$22000.00} - 2.66 %, again above the agreed XXXX. 
This trend continues throughout the loan history, showing inconsistent and sometimes inflated interest char I am requesting the following : 1. A full itemized accounting of how each interest charge has been calculated. 
2. A written explanation for any charges that exceed the standard 1.92 % monthly interest. 
3. A correction of any misapplied or excessive charges and an updated balance. 
4. Confirmation that this review will not affect my credit standing. If this issue is not resolved within 15 business day
s, I intend to escalate the matter by filing a formal complaint.

Please consider this letter as my good faith effort to resolve this directly. 

Sincerely, XXXX XXXX
Product: Mortgage

This is the third compliant I filed against PennyMac Loan Services , LLC . In the previous two complaints, I reported the unfair and possibly racially driven discriminatory treatment I received from PennyMac employees for an unusually extended period of time ( more than 120 days ) while I applied for refinancing mortgage loan. The company 's responses to my previous two complaints were lack of responsibility and accountability and did not even acknowledge the problems I complained about. Only after I elevated it to the company 's CEO, did the PennyMac employees start to take some actions. 

The company 's Senior VP of Customer Experiences contacted me admitting all the problems I complained about ( except for racial decimation ). He agreed to send me a formal apology and provide compensation for the financial loss I incurred due to the extended delay and unfair treatment in processing my loan application. I also received a letter from PennyMac 's complaint specialist confirming Senior VP 's promises. 

But three months passed since my conversation with Senior VP and receipt of the company 's letter, I still have not received the compensation check that the company promised to send in 10 business days ( from XX/XX/2021 ). I contacted the complaint specialist numerous times, she never responded. Two weeks ago, I got hold of the XXXX, he continued to promise the check be sent immediately. Two weeks passed and I still don't receive the check. The XXXX stopped taking my calls and simply disappear. 

Instead of getting the problem solved for customers, the company 's employees, including the executive of " customer experience '', have kept misleading me, breaking its promises and violating my consumer rights. Such unethical conducts are completely unacceptable! 

I attached the letter from the company as a proof of their acknowledgement of their wrong doing and their promises to me.
Product: Credit reporting or other personal consumer reports

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

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

NELNET received my dispute letter on XX/XX/2022 according to XXXX certified mail/ green receipt tracking XXXX. In my letter I demanded for your agency to cease from furnishing to CRAs. Also, I demanded deletion of the late payments from my consumer report, this agency is in numerous violations of the FCRA, including 15 USC 1681b. and 15 USC 1681 ( 2 ) ( a ) ( i ) the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. See attachment for exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint dispute on XX/XX/22 for a bankruptcy that does not belong to me, that is showing on my credit reports. On XX/XX/22 you responded back thru the CFPB portal, that you conducted an reinvestigation. Experian stated they contacted the public record vendor which is XXXX and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. If Experian truly contacted XXXX, then why did XXXX send me a letter and a report showing that they could not verify that this bankruptcy belong to me and that they removed it from their files? I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for the LAST time for Experian to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that list they are under bankruptcy. As I am a litigious consumer, I trust that Experian will correct the issues I have brought to their attention to remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report.
Product: Debt collection

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.

Helvey & Associates inc XXXX XXXXXXXX, 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 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 reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}
Product: Debt collection

This is XXXX XXXX and I am a consumer submitting this complaint without a third party. 

CREDIT COLLECTIONS SERVICES sent a letter in the mail claiming that I owe the amount of debt totaling {$120.00}. I have never signed a contract with the referenced company in any capacity. 

I have been violated by this company through misleading, deceptive and abusive debt collection practices pursuant to 15 USC 1692.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Investigation of Inaccurate Late Payments Reported by XXXX XXXX XXXX XXXX. 

( Fair Credit Reporting Act 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ) I am writing to formally request your assistance in resolving an issue with inaccurate late payment reporting by XXXX XXXX XXXX XXXX. This letter serves as my second request after an initial dispute with the credit bureaus and XXXX XXXX XXXX XXXX failed to resolve the matter. 

As a co-signer on my son 's student loans, I am responsible for ensuring the monthly payments are made. Maintaining an excellent on-time payment history is critical to me, and this erroneous reporting is damaging my otherwise flawless credit record. 

The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) The issue involves a reported XXXX late payment for XX/XX/XXXX. However, my records indicate that I was : On time for XX/XX/XXXX, Incorrectly marked as 60 days late for XX/XX/XXXX, and On time for XXXX, XXXX, and XX/XX/XXXX. 

This discrepancy suggests that the late payment for XX/XX/XXXX is an error. Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute this inaccurate information. Despite my previous efforts, XXXX XXXX has not provided accurate verification of this late payment, and it continues to negatively impact my credit.
Product: Checking or savings account

On XX/XX/2018, I opened an online checking account with XXXX XXXX XXXX on the Scwab.com Customer Center. It wasn't until attempting to establish direct deposit that I learned XXXX XXXX XXXX had closed its online account. I learned the company had closed the account without sending any written notification that provided any reason for its closure. I felt betrayed and hurt because I thought establishing direct deposit with a trusted bank would make life easier. Evidently, XXXX XXXX XXXX neither values my time nor money because it doesn't want my business. It's company doesn't care about treating customers respectfully by providing answers to their questions and information about their accounts. After this experience, I do not trust American financial institutions and will never deposit my hard earned money into one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to report number XXXX from Experian. I submitted a reinvestigation dispute because they have not removed a Bankruptcy from my credit report. They did not fully comply with the FCRA in reinvestigating the report and XXXX. They still have not removed this from my report. They reinvestigate and stated that they received information and stated that the company that reported the information has certified to Experian that the information is accurate. Now, I do have a Memorandum from the United States bankruptcy Court of District of maryland Office of the Clerk stating that the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Here we find that this investigation was false and misleading and therefore Experian needs to be held accountable for this. I am requesting that the record be permanently deleted from file.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by Experian, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, XX/XX/XXXX by XXXX. Payment History Reporting ok on XXXX ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & Experian reports Date of Last XXXX XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, Experian reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & XXXX reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX Experian, & {$0.00} by XXXX. Account Status shows PAID reported by XXXX XXXX Experian yet XXXX reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet Experian XXXX XXXX reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from XX/XX/XXXX. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has repeatedly ignored my request for this account to be removed or updated from my report based on the inaccuracies they're reporting. There is not just one but multiple inaccuracies across all three credit bureaus, which include high balance, date of last activity, date opened, and date of last payment. According to the FCRA all information contained in my credit report should report exactly the same, however, it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.
Product: Debt collection

Apple Card/GS bank USA , account number XXXX, This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.
Product: Payday loan, title loan, or personal loan

I have been trying to contact this company since XXXX 2017. I have two title loans with this company and I was making monthly payments on my account. I have not been able to get in contact with anyone so I can make payments on my loans and get my titles back. They currently have liens on my titles. I need a release of lien for this company so I can get my titles back. I have researched online and it says the company is closed. I have called every number listed for them no answer. I have emailed and my emails are returned undelivered. here is there NMLS # XXXX. Please help I just need to know who is taking over there loans or who I need to talk to so I can get my titles back
Product: Credit reporting or other personal consumer reports

on or about XXXX i filed a complaint ( included in the complaint was a copy of my new york state drivers license with current address, bank statements, XXXX, and etcc ) with equifax information services LLC concerning incorrect or/and fraudulent personal information on this writers personal credit profile. on or about XXXX equifax responded requesting the same identifying information that was already submitted on XXXX so one XXXX this writer filed a complaint with the CFPB for deliberately refusing to address this writers complaint. after several days equifax responded to the CFPB complaint repeating the same lie/excuse they need more time. on or about XXXX equifax sent a letter to this writer repeating the same lie/ excuse/. ( see attached letters from equifax ) This company is KNOWINGLY, DELIBERATELY and WILLFULLY attempting to sabotage this writers credit and financial future. In addition, once again, equifax is in violation of 15 usc 1681 and the previously settled class action lawsuit ( XXXX ) In addition, the same request to remove incorrect addresses was submitted to transuion and experian. XXXX timely removed the incorrect / fraudulent addresses. ( see attached )