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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts. As Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Product: Credit reporting or other personal consumer reports

The issue is with the account I have with XXXX XXXX XXXX for credit card ending in XXXX that I have paid XXXX XXXX XXXX the {$47.00} balance in full since XXXX XXXX XXXX  as pictured in my attachments showing both a payment conformation email from XXXX XXXX XXXX XXXX and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXX XXXX XXXX wrongfully and repeatedly reports that there is a due balance of {$47.00} still due. I have disputed this with the credit reporting bureaus several times and this unjust behavior of XXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, one of my credit scores droppped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication via CFPB regarding unauthorized inquiries that remain on my credit report. Despite assurances of an internal process for addressing such matters, the presence of these inquiries are causing me continued concern and frustration.

The unauthorized inquiries in question are associated with the following details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing this complaint in regards to the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and would like to appeal this decision. 

I would like to bring to your attention that I have not violated any of PayPal 's policies or terms of service. I have been a loyal and active customer of PayPal for several years and have always used the platform in accordance with its guidelines. Therefore, I am puzzled as to why my account has been limited. 

I am kindly requesting PayPal to re-investigate my case and restore my account if possible. I am willing to cooperate with PayPal 's investigation and provide any additional information or documentation that may be required to prove my innocence. 

I understand that PayPal takes its policies and regulations seriously, and I respect the company 's efforts to ensure the safety and security of its users. However, I believe that my account has been wrongly targeted, and I am eager to have this issue resolved as soon as possible. 

I appreciate your attention to this matter and hope to hear back from you soon with a favorable resolution to my case. 

Thank you for your time and consideration. 

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

Esperian is reporting false and inaccurate information on my credit report i I request a credit report from esperian and notice discrepancies. Eventhough XXXX has removed such inaccurate infor esperian refuses to and also refuses to supply me with documentation of proof of such accounts such accounts as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I never authorized
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit. I am writing to request a removal of this collection account XXXX on my credit report. I believe this information is inaccurate. Please investigate and remove this item from my report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXXXXXX XXXX Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : XXXX XXXX XXXX : The account is incorrectly reporting a XXXX late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies XXXX XXXX : The reported details for the same account vary across XXXX, Experian, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of XXXX XXXX XXXX : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness. 
Reason for Dispute : The account in question is inaccurately reporting a XXXX late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( XXXX ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under XXXX XXXX XXXX ( b ), creditors are required to mail periodic statements to consumers no later than XXXX  days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations. 
Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late. 
Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( XXXX ). 
Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records. 
This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within XXXX  days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

After several calls to this lender they will not report my payments or balance to the credit bureaus. Also, one day I see no payment is due the next day I see a payment is due. Its confusing! After reading reviews about this bank, it appears a lot of consumers are experiencing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the XXXX credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : 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 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
Product: Credit reporting or other personal consumer reports

I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.
Product: Debt collection

XXXX XXXX is who the debt is with. I have been dealing with them for a year and been in contact with XXXX XXXX from them. There weee issues with the account from day one because I signed up with XXXX XXXX and was not notified of XXXX until XXXX contacted me of making a payment to them. So once I worked out everything I had been making payments and been in contact with XXXX XXXX continuously. I was furloughed in XXXX and I let XXXX know in XXXX she did a deferred payment to be due XX/XX/XXXX. Luckily I returned to work and made the payment processed on XX/XX/XXXX. Yesterday XX/XX/XXXX I received a Civil Lawsuit from them owing more then the balance and now have about XXXX extra in fees. I was not notified of being sent to collections by them. XXXX never mentioned it at all until yesterday and was told them to contact them but my account is in good standing and she will let them know. This is complete chaios. Im not sure what I can do at this point or what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus i did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
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, credit repair services, or other personal consumer reports

EXPERIAN BROKE THE LAW and is violating my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. EXPERIAN furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I received two emails from EXPERIAN XX/XX/2022 ( attached ). All that these emails stated was that they could not block the account I claimed fraudulent and identity theft because I did not give the correct information. They totally disregarded my affidavit. 

Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my experian credit report without my knowledge please have them remove from my experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a representative at   XXXX   and Experian  credit  reporting I have sent in documentation showing that I have paid my balance in full with  XXXX   XXXX   XXXX .    XXXX  continues to report a balance of {$11.00} on my report from  XXXX    XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted. Reporting this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
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. 

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 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 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Fair Collection & Outsourcing , Inc for a VALIDATION of the information they had reported on my credit under the Fair Debt Collection Practices, 15 USC 1962 g Sec 809 ( b ). 
In general, the requested information was not provided and it is the supposed debt collector who has the burden of proof to establish precisely that this debt is mine as a consumer. 
The supposed collector sent a copy of the original creditor 's contract and said contract does not clearly state that he has a payment responsibility to the current doubt collector therefore he can not hold me responsible as a matter of law. Furthermore, I never initiated a transaction or gave him authorization to obtain information or report anything at all on my credit report. The debt collector and credit bureau must delete any non-validated information under the Due Process Clause of the Fifth Amendment.
Product: Mortgage

I purchased my home on or about XX/XX/XXXX.I was forced to sign for 2 mortgages to be able to get the loan i was not aware of this until the day i showed up for closing. The house is underwater now. Iask Wells Fargo for forgiveness on the this loan. I feel that i was taken advantage of in this loan. I have paid this for 10 years, and feel as if this should be forgiven.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I purchased the merchandise from XXXX XXXX XXXX. XXXX ( XXXX  ). On the merchants website, it showed the price of the merchandises in both XXXX Dollars and US dollars. I selected to purchase in XXXX Dollars using PayPal service which is charged to my XXXX credit card. 

After my order, I saw that the charge on my XXXX credit card from PayPal was almost XXXX XXXX XXXX dollars higher than the amount that the merchant shown on its website. Thus, I decided to cancel my order with the merchant. The cancellation was confirmed verbally via phone call and later confirmed by email by the merchant. 

On my XXXX statement, it showed that I was charged by PayPal in the amount of {$6100.00} and refunded in the amount of {$5800.00}. The difference between the two amounts was {$240.00}. 

I contacted XXXX and their response was unable to adjust the amount of differences. I also contacted PayPal but not satisfy with their response. 

After that, I also asked for help from XXXX XXXX XXXX XXXX ( XXXX ) which ia affiliated with XXXX television. On XX/XX/2022, XXXX XXXX XXXX XXXX informed me that there was no response neither from PayPal service nor XXXX credit card company. 

In my opinion, PayPal should refund to my credit card account in the same amount that I was charged in US Dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had rats and no air conditioning in my apartment. I had to move to a hotel at the request of the management company. Movers refused to enter the apartment as there were live rats running around the apartment and dead rats in traps not cleared for weeks unless a {$2000.00} premium for risk was paid. ( XXXX XXXX did nothing for 2 months being aware of the problem ). I submitted bills in excess of {$8000.00} of which XXXX signed for and refuses to pay for ( legal pending ) Instead the same day XXXX sent a questionable file to I.Q. Data International who contacted me. I told them the story but no matter what I told them they ignored and continued calling me about this questionable debt. I told them that I will have to go legal against XXXX for this debt. For some reason I.Q. Data International put a higher amount on the XXXX file. They did not investigate what I told them or even their client. If they did they would see XXXX has a history of this. I DO NOT OWE ANYTHING AND XXXX XXXX OWES ME MONEY.