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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX XXXX XXXX XXXXXXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX NUMBER RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that 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  I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize hard credit pulls from XXXXXXXX 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about experian, specifically the boost it advertises to raise your score via connecting bank and credit card accounts. Had used it before and it raised it by like XXXX points so it mirrored the other scores XXXX and XXXX had me at. Apparently it lost connection with my credit card account recently and my score went down more than 20 points. Re-download the app to connect my accounts again but now my credit card account keeps disconnecting daily, daily. I've cleared the apps cache like they told me to and deleted the app and downloaded again but the problem is still there. Why is it that they offer this to " boost '' my score when it's only XXXX points but when it disconnects it lowers it by more than 20 points? Doesn't seem fair they should be allowed to lower it that much, it's not like I was applying for a loan.
Product: Credit card or prepaid card

My access to my financial data through a third party ( XXXX XXXX ) is being blocked even though I've authorized them.
Product: Vehicle loan or lease

I want to terminate my lease earlier than when the lease is supposed to end and return the vehicle to Volkswagen. 

They have told me that this is possible and that they can give me a payment plan for the amount I will owe instead having to pay the entire balance at 0 % interest ( one reason I want to do this payment plan ). I estimate I will owe them {$2400.00}. 

However, they will not show me or write to me in writing how this payment plan will affect my credit report and how the lease is currently being reported. 

I am concerned that doing this payment program could negatively affect my credit history but they say that this would not be the case.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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: Credit reporting, credit repair services, or other personal consumer reports

I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!
Product: Credit reporting or other personal consumer reports

I was a cosigner on a XXXX XXXX XXXX XXXX via XXXX XXXX My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my XXXX XXXX. I have tried to contact XXXX XXXX and XXXX XXXX  to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When XXXX occurred we were on a plan because we could not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX
Product: Debt collection

I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against IQ Data International Inc. for reporting inaccurate and outdated information on my credit report. This issue has caused significant distress and inconvenience, and I am seeking your assistance to rectify this matter promptly. 

The details of my complaint are as follows : Account Information : Creditor : IQ Data International Inc. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Nature of the Complaint : In XXXX, I resolved the outstanding balance on the above-referenced account in full. Prior to the payment, the account was removed from collections. Despite this, IQ Data Inc. continues to report this account as delinquent on my credit report, which is not only inaccurate but also outdated.

Impact on My Credit Report : The incorrect reporting by IQ Data Inc. has adversely affected my credit score and has caused unwarranted harm to my financial reputation. It has also resulted in difficulties obtaining credit and other financial services, as potential creditors are being misled by the incorrect information. 

Actions Taken : I have contacted IQ Data Inc. directly to address this issue but have not received a satisfactory resolution. 
I have also disputed this inaccurate information with the credit reporting agencies, yet the incorrect data persists on my report. 
XXXX XXXX  : I request the Consumer Financial Protection Bureau to : Investigate IQ Data Inc. 's continued reporting of incorrect and outdated information on my credit report.

Require IQ Data Inc. to correct the inaccurate information and update all relevant credit reporting agencies to reflect that the account was paid in full and is no longer in collections. 
Ensure that IQ Data Inc. takes measures to prevent such issues from recurring in the future. 
Enclosed are copies of relevant documents, including proof of payment, correspondence with XXXX XXXX XXXX XXXXXXXX and IQ Data Inc. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration.
Product: Payday loan, title loan, personal loan, or advance loan

At the conclusion of my XXXX initial complaints that were successfully handled by CFPB ; I have reached out to One Main by 2 Emails. 
( both emails will be attached ) The first email was sent : XX/XX/XXXX, XXXX my circumstance even exists and a tentative payment plan XX/XX/year> A revised payment plan showing bimonthly Installment dates and sums. 

XXXX XXXX of my emails sent at this email address provided : XXXX were responded to by One MainFinancial As I went online to make my payment ;. I find my account is no longer ACTIVE I fear they are retaliating for the last 2 complaints against them by ending my relationship with them.

I fear they have turned my account over to a COLLECTION AGENCY to : further damage my credit cause undue hardship by causing a lawsuit and subsequent garnishment of wages The {$6500.00} yet to be paid I planned to pay at {$150.00} every 2 weeks. so {$300.00} a month At that rate, it would take XXXX months to pay the loan off in full. ( even sooner with a payoff. ) Again.. I got NO RESPONSE agreeing or disagreeing to these terms.

Yet.. it seems my account IS CLOSED I have always been ready to negotiate.

They have my email address because it DOUBLES AS MY I.D . needed to enter my online account.

I have NOT GOTTEN any correspondence whatsoever indicating adverse actions on my loan so Any clarification through this avenue with you CFPB would be heartily appreciated
Product: Credit reporting or other personal consumer reports

Dear Experian Subject : Dispute of Accounts on Credit Report - Violations of 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ) I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accounts listed on my credit report, as well as potential violations of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I believe that the following sections have been violated : 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ) Firstly, I would like to address 15 USC 1681eb , which requires you to maintain reasonable procedures to ensure the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified several accounts that appear to contain inaccuracies, including [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. XXXX XXXX ]. 

Furthermore, I believe that Experian may have violated 15 USC 1692e ( 3 ) of the FDCPA, which prohibits the false representation or implication that a debt is owed. 

In addition, I have concerns regarding XXXX XXXX XXXX ( a ), which establishes requirements for the proper investigation of consumer disputes. I previously submitted a dispute regarding the aforementioned accounts, but I have not received a satisfactory response or resolution. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with a detailed response within the legally mandated timeframe. 

Moreover, I would like to draw your attention to XXXX XXXX XXXX ( XXXX ) of the FDCPA, which stipulates that a debt collector can not communicate credit information that is known or should be known to be false. If any of the disputed accounts are being reported by debt XXXX, I request that you ensure the accuracy of the information they have provided and take appropriate action to rectify any discrepancies. 

Lastly, I suspect that Experian XXXX have violated XXXX XXXX XXXX ( XXXX ) ( A ) of the FDCPA, which prohibits the false representation of the character, amount, or legal status of any debt. I urge you to thoroughly review the information reported on my credit report to ensure its accuracy and compliance with this provision. 

I kindly request that you promptly initiate an investigation into my concerns and provide me with a written response detailing the actions taken to address these matters. Additionally, I request that you correct any inaccuracies found during the investigation and update my credit report accordingly. Please be aware that failure to comply with the FCRA and FDCPA XXXX result in legal consequences. 

I would like these accounts be removed off my credit report immediately Thank you for your attention to this matter. I trust that Experian will handle this dispute and potential violations with the urgency and seriousnessthey deserve. I look forward to a prompt resolution of these issues.
Product: Money transfer, virtual currency, or money service

I started this dispute with paypal in XXXX XXXX. I sent this to the SEC and they referred me to you.I think PayPal is ignoring me because they failed in their, Fiduciary duties of protecting my money, and not sending me proper disclosure. In XXXX of this Year, I sold a coin on XXXX. PayPal collected my money. About 3 days later I got an email from PayPal saying that they were going to give the money back to the buyer, even though the buyer receive the coin he bought. An obvious scam!!! I called PayPal to ask how they had the authority to do that without my permission. They said they sent me emails telling me that if I did n't do certain things they were going to give the money back. I said I never received any such email and asked them to prove to me that they sent the emails and prove that I got them. I have been trying to contact PayPal by phone and by 3 certified letters over the last few months, the Last one was to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I asked them to contact me to get this matter settled, I have received absolutely no response, I 've sent to their corporate offices in XXXX XXXX California. I think PayPal knows their wrong and think 's I will go away. I recently saw an article indicating that a class action suit was being brought against PayPal for the exact same reason as my case. I can send you copies of all my correspondence if you wish. I would think that a gigantic corporation would try to treat their customer like they meant something to them. Paypal is the Ocean and I am just a piece of sand. Well this piece of Sand Served in the XXXX XXXX XXXX where I learned to fight back. Maybe you can explained to me why I 'm bein ignored. Please Help Me
Product: Checking or savings account

After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.
Product: Money transfer, virtual currency, or money service

I was scammed out of a couple XXXX dollars for a job that I believed was real. I was told I would be given an allowance to purchase equipment needed for the job, but that I had to purchase it from a vendor so I needed to transfer the money. I used Zelle via XXXX to send the money. I believed everything was legitimate as I had to sign a job offer that had the company logo on it and it was XXXX of the jobs I had applied for. I let my bank, XXXX, know that I was involved in a scam and they said they would investigate. The money was sent through Zelle through my main checking account where I pay bills and receive my VA XXXX check. I was using my account regularly, as I have some bills on autopay. A few bill transactions processed and my bank freezed my account. I called in to ask why, and they stated it was due to the investigation. The investigation ended after about a week because I complained that I needed to access my money to pay bills. The bank lifted the freeze but deducted my XXXX payment that I received and overdrafted my account. They stated that because I used the money that was involved in the Zelle scam, that I was now responsible to pay back the money I was scammed out of. They never warned me ahead of time that my account would freeze or the consequences of using that account. I lost my XXXX payment, along with other money I had. I fell behind on my mortgage payment and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I was Summons to court, being sued for a debt, the company Resurgent Receivables LLC claimed I owed. On XXXX XXXX a debt validation letter was sent certified mail. XXXX XXXX. I appeared in court, debt was not validated. on XXXX XXXX Resurgent Receivables LLC sent a letter by mail, still not providing the proper information as requested. XXXX XXXX I appeared in court case was dismissed, Motion To Dismiss Without Prejudice. This Collection still appear on my credit report. Please remove this inaccurate information as you are in violation.
Product: Consumer Loan

I was a cosigner on a vehicle lease. Apparently the lease vehicle was returned by the person who was leasing the vehicle and a payment plan was set up with Ford Motor Company credit to pay the difference. I was never informed that this action was taking place or that there was any danger of a collection account showing up on my credit report. As a cosigner I was given no opportunity to intervene prior to this being reported to the credit agency. Further I was never notified that this was reported to the Credit Agencies. According to the person that I co-signed with Ford Motor Company gave the impression that no credit action will be taken so long as payments are made on time per their monthly payment agreement. Therefore the person whom I co-signed for felt that there was no issue to worry about.
Product: Student loan

MOHELA/ XXXX I have submitted over 11 applications for the PSLF repayment programs since 2022 and was told I had to ENROLL IN THE IDR consolidation plan to be considered. I have made greater than 120 qualifying payments over the past 15 years. My case keeps getting closed with excuses such as my employer has not signed the document in time ( which my employers deny ), less than 120 payments were made, or my birthdate is inaccurate despite sending documentation supporting my birthdate months and months ago. Now, they are saying I have to pay > XXXX XXXX which is six times more with this IDR plan than I was previously paying!
Product: Checking or savings account

I have paid an account that was closed due to over draft, have a receipt but it wo n't come off my credit report
Product: Mortgage

On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.
Product: Debt collection

Portfolio recovery calls me XXXX times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.
Product: Credit reporting or other personal consumer reports

There is a collections account on my credit report from XXXX XXXX XXXX, with an original creditor from XXXX XXXX that I did not open. I have never opened an account with XXXX XXXX, and this account does not belong to me.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1692 C you have violated my rights by in lawful communication please remove all negative inquires of my credit report please and thank you