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

I initiated disputes with Experian regarding inaccurate information on my credit report. Specifically, I discovered that another individuals Social Security Number ( SSN ) was erroneously attached to my account. I followed the proper procedures by filing disputes to correct this issue. However, Experian has failed to properly investigate my disputes and has marked all of my disputes as verified without providing me with the necessary documentation to confirm the accuracy of the information. 

I requested detailed verification documents for each dispute on [ insert date ], but Experian has refused to provide any of the requested information. As a result, I am unable to verify the accuracy of the information reported on my credit report. 

I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that Experian complies with the law.
Product: Debt collection

We had an XXXX XXXX card that was paid off in XXXX or XXXX, we lost paperwork in Hurricane Harvey last year. Anyway, this is the second paid off XXXX card from 8+ years ago that has been sold to some outside collection company, without any written notice. We do not owe this and we are upset that XXXX continues to try and sell off our old paid off debt, and furthermore beyond the statute of limitations. Our credit is clean, clear and good and we are in good standing with ALL of our creditors. Please stop them. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified verification letter to Accelerated Financial Services for an account totaling {$2500.00} they have been reporting on my credit report. I did not receive and response or validation of the account. I then sent a second certified on XX/XX/2021 asking again for the validation on the account and still no response. 


I have not received : XXXX. Provide a copy of the original contract that you have with the original creditor XXXX. Notarized letter of transfer of permission to collect debt XXXX. Verification that this debt was assigned or sold to Accelerated Financial Services. 
XXXX. Prove ownership of the debt/ original application for debt XXXX. How the amount is calculated/ full itemized debt from accounting/ last original billing statement XXXX. Does your firm have a debt collection license from my state? 
XXXX. Proof you have purchased the debt for the original creditor and have authority to collect on the debt. 
XXXX. If not, say why not, if so provide the date of the license, name on the license, license number and the name and address and telephone number for the state agency issuing the I have also disputed this account with XXXX and XXXX without any answers. 

I would like to also request a description of the procedure used to determine the accuracy and completeness of the information.
Product: Money transfer, virtual currency, or money service

Dear Paypal I am attaching my Social Security Card and my Driver 's License photo ID, please review and Lift my temporarily block in my paypal account, thank you I already uploaded to paypal and the outcome is unfair it says : " We couldn't verify your info. Please contact us for more help. '' ( end of quoting ). Dear Paypal I am contacting you here thru CFPB for you Permanently restrict my Paypal account OR fully remove my Paypal restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX past disputes was deleted and I XXXX XXXX the consumer are now seeking remedies for the action of XXXX who furnaced these wrongfully consumer reports that have took a toll of my life and credit gain to help my family. 

I have 4 completed deletions dated from XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX was deleted XXXX XXXX, XXXX XXXX XXXX XXXX WAS DELETED XX/XX/2017, XXXX XXXX XXXX WAS DELETED XXXX XXXX.. These reports was on my file FOR YEARS AND NOW Im seeking remedies for all wrongfully actions from XXXX furnacing those accounts to their Website & I XXXX XXXX didnt give anyone the rights to breach my privacy. My privacy was invaded and once again I didnt give anyone the permission to use my credit in their likeness and I demand.
Product: Vehicle loan or lease

On XXXX XXXX, I settled and paid XXXX XXXX XXXX in the amount of {$5400.00} to the creditors Driveway financial. XX/XX/XXXX, the account was closed per conversation with XXXX XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX i spoke with driveway financial to discuss inaccuracies of this account being reported on my credit report. Driveway acknowledges that it was inaccurate, however, they are not willing to delete the information as promised. They sold the car that was repossed and did not enclose the amount the car was sold for, for me to pay the difference. instead they refused to provide the information of how much the car was sold for. With this company is so much inaccurate information and false information, I need them deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. Upon reviewing my credit report, I noticed several accounts that I do not recognize and believe should not be there. I am writing to request validation of these accounts to confirm their accuracy. If these accounts can not be validated, I request that they be removed from my credit report immediately. 
Please notify me of the results of your investigation. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligation under the fcra Fair credit reporting to conduct a reasonable reinvestigation of a dispute information on my credit report leave it in accurate or unverifiable accounts unresolved cfpb has recently filed a lawsuit against experience a legend synthetic issues such as felons to forward consumer provided evidence to the furnitures and they have not corrected and or removed all of the incorrect accounts off my credit
Product: Debt collection

Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I received a debit card from XXXX XXXX for an account I did not open. I called XXXX XXXX the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through XXXX XXXX was still in process. I checked my credit report and found hard inquires from XXXX XXXX for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with TransUnion.
Product: Checking or savings account

I was informed by the Consumer Finance Protection Bureau to speak to XXXX XXXX regarding my complaint. Mrs. XXXX has blatantly refused to provide the requested documentation pertaining to authorizations for both the debit and credit card accounts. I have repeatedly requested copies of any any all authorizations for any debit cards and/or credit cards. I have not received the requested information after three to five months of requests. This information is required for me to have XXXX XXXX XXXX XXXX XXXX XXXX arrested for stealing my identity. I can be reached at XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has made an error on my birth date for some reason. As a result, impartial information appears on Equifax, with mortgage information missing, many, many accounts are missing, which put my credit rating lower at XXXX when it actually is above 800. 

I have called Equifax several times since XXXX. XXXX. Most recently in early XXXX. Each call was more than an hour. Each time the representative assured me it was fixed. It was not. 

I opened an online complaint with Equifax and sent my driver 's license, social security card and whatever they requested. They closed the dispute and said it was resolved. It was not. 

They all agreed Equifax had somehow changed my birth date from XXXX to XXXX and they needed to correct that and merge my files. It is still not done. 

XXXX I sent a detailed letter to Equifax Information Services, XXXX. XXXX XXXX, XXXX, Ga. XXXX. I wrote exactly what the representative told me to and again sent my driver 's license and Social Security card. No response. 

My final call was last week and after working with the representative for over an hour, he said the files were merged and it was fixed. It is not fixed.
Product: Credit reporting or other personal consumer reports

i'am looking today to reassign a debt that was previously owned by a diffrent account holder to a new account holder! under consumer law section XXXX!
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries on my XXXX, and Equifax Information Services credit files. I checked my personal credit report, and noticed these inquiries had been placed on my consumer credit files. 

I request the removal of all unauthorized and outdated credit inquiries. Per the Fair Credit Reporting Act 15 USC 1681 they are in violation of the FCRA. 

XXXX : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Equifax Information Services , LLC : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was in the XXXX XXXX XXXX. my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. ************THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.
Product: Debt collection

The companys name is portfolio rc. A bad debt happened to me and I am on XXXX from social security only. All of my assets are 1 car and 1 home. I am upside down on these debts. My mother helps me with those two payments as my SSI is not enough to cover them. XXXX was original CC ompany. They closed the account. Now this company Portfolio has called me while I was in hospital, I have 2 doctors and 2 nurses as witnesses. I can not pay the amounts they require, due my medications and 20 % match with XXXX. Please help.
Product: Credit reporting or other personal consumer reports

I was shocked to find unauthorized inquiries on my credit report this morning, with no clear explanation as to why. It was a routine check, yet these discrepancies popped up out of nowhere. After refreshing my browser multiple times to rule out technical errors, the issue persisted. Im deeply concerned and am asking for my submitted documents to be carefully reviewed so this problem can be resolved swiftly.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXXXXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX***Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # 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
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that violate 15 USC 1681c-2. I ask for their immediate removal to protect my credit score.
Product: Credit reporting or other personal consumer reports

I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact FICO. which is another paid agency and I already pay for XXXX. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over XXXX and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I ordered custom window from XXXX XXXX and chose to finance the project through greensky. My account was charged a deposit before the installation was scheduled and my payment because due without receiving any communication from the Greensky. I was assessed a late fee that was not reversed. The installation was delayed over a month past the date that was discussed and when the installers finally installed the windows they broke one and were unable to complete the installation. I called Greensky initially to request my account documents and monthly statement, which was sent after the second request. I called Greensky a third time in XXXX after the a second statement said the account was delinquent after I made my initial payment. XXXX XXXX payment was already paid, so I asked the representative what payment I should be making to get the account current and paid through XXXX. I was advised to make an additional payment and I sent the check 3 days later. In XXXX I received another statement indicating my payment was due and showed the entire balance had been charged to my account but the installation was not completed until XX/XX/XXXX. I called again to request a complaint be opened for each of the issues : 1. To have the misapplied payment applied to XXXX XXXX to have the {$11000.00} balance posted on the date of completion rather than XX/XX/XXXX. The agent told me to not make a payment in XXXX until they had reviewed the account and advised they would call back before the XX/XX/XXXX due date. I called again on XX/XX/XXXX and the agent told me the complaint or complaints I was told would be opened, were in fact not open. I requested that they be opened immediately so I can pay on time if I needed to. The agent told me that someone would call me the following Monday XX/XX/XXXX at XXXX and again advised that I not make a payment. I advised that Monday was a national holiday but the agent confirmed that someone would call. No call was received or missed on XX/XX/XXXX. I called again today, XX/XX/XXXX, and was told the complaint manager XXXX was not available and was offered to be transferred to his voicemail. I said that is completely useless and then the agent got XXXX on the line. I asked XXXX why no call was made and was advised that the complaint was not assigned to him until yesterday. I asked how the complaints would be resolved and the agent hung up on me. I called back requesting to speak with XXXX and requested his identification information and the agent refused to provide it. I requested that XXXX call me back in 30 minutes and hung up. No call had been received and no resolution has been provided.
Product: Checking or savings account

XX/XX/year> I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires access in a timely manner. This situation raises concerns about consumer protection laws and I request your assistance in investigating this situation and ensure my rights are upheld.
Product: Debt collection

I was notified on or around XXXX XXXX, XXXX, by a letter from XXXX, XXXX, who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by SPS/Select Portfolio Servicing., Inc. , located in XXXX XXXX XXXX , Utah . I was told by XXXX , XXXX, I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. XXXX provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

reach out to to both creditor and credit reporting agency no respone to having this fraud account remove
Product: Student loan

My loans changed from Navient to Aidvantage. Ive tried multiple times to log in and take advantage of the pause on loans but I have yet to be able to see my loans. And their website states nothing is to be done until prior to the first billing. I feel as though Im unprepared. I also notice that interest is still accruing even though there should be a pause on interest. I can see interest accruing because my credit score changes and shows me my debts are growing larger but I cant actually log in to Aidvantage to see the actual amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
I am not affiliated with the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, OH   XXXX-XXXX XXXX XXXX XXXX XXXX , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX  , XXXX, GA XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX