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

I asked Experian to verify an account and to investigate it as it was inaccurate. 

They told me that they are allowed " not to reinvestigate '' which is an illegal statement and lie. 

In accordance with the 15 USC Section 1681 - they are obliged to reinvestigate and fix the errors on my report by removing the account. 

XXXX VS XXXX  1997 - clearly highlights that the burden of proof is with the Credit Reporting Agencies. There is precedence and the bureaus have to respect the law. 

I have attached a letter that I want you to see addressing them. 

You will notice the multiple errors on my credit report and their failure to fix the issue. 

Please have a look.
Product: Credit reporting, credit repair services, or other personal consumer reports

My childs mother XXXX XXXX used my social security number while I was XXXX to buy a cellphone underwear my name and I did not give her permission I was XXXX
Product: Debt collection

I am asking for a complete investigation on the company. I sent in numberous correspondences to this company asking for proof of this debt bearing my signature as I asked this is my final attempt to get help with this matter. This company is harrassing me by telephone and mail demanding I pay a debt i do not owe and have ask for proof of this debt and have yet to recieve.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased clothing through a company endorsed through Paypal Credit. I canceled the order XXXX hours directly with the merchant after I placed the order because the company could not meet my delivery timelines. The total amount of the charge was {$1200.00} purchased on XX/XX/scrub> 2024. I disputed the charge with Paypal Credit within XXXX days after I did not hear from the merchant on getting a refund. XXXX has not credited me back XXXX months later after multiple phones and disputes and still expects me to pay the amount even though the order was cancelled. They also have not provided the reason that I have to pay or any other information as to what I need to provide. I have provided them documents showing the order was cancelled and when I called they have confirmation from the merchant the merchandise was never sent. There is still a balance on my account that I have again disputed. This is the XXXX time disputed that same charge. I cancelled the order therefore I should receive the credit on my account for the full amount and cancelled everything within policy timelines. I also never received any documentation on why the dispute is denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Product: Mortgage

On XX/XX/year>, I was contacted by XXXX XXXX, a representative from United Mortgage Lending , LLC, who pitched me a mortgage offer that seemed too good to be true, competing with the lender I was already working with. After a lengthy conversation, XXXX collected personal details from both my wife and me, stating that he would begin the application process and follow up at a specific time. He also assured us that he would not perform a hard credit pull until we had clarity on the deal and numbers. 

Despite this assurance, XXXX proceeded to pull our credit reports without our consent. I attempted to reach him multiple times via phone, text, and email but was completely ignored. Frustrated, I sent a message requesting to speak with a manager. Shortly after, a manager ( whose name I didnt catch ) called me, apologized, and assured me that the two hard inquiries would be removed. 

I requested email confirmation, but after that conversation, the manageXXXX disappeared as well. When I followed up a few days later, he claimed that he had contacted the credit bureaus and was told it would take XXXX days for the inquiries to be removed. He then suggested I call the bureaus myself to expedite the process. However, when I contacted all three credit bureaus, I was informed that no disputes or cases had been opened on my behalf and that the hard inquiries would remain on my credit reports.
Product: Debt collection

Credit bureau Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. CBA has also violated HIPPA law in the obtaining and sharing of my personal medical information. This constitutes in immediate removal of this alleged debt.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX  I tried disputing it with XXXX  and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX Account number : XXXX Dates reporting NOT Accurate : XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One Credit Card on my report should not appear on my credit report the amount shown is the owners card not my card ; I am only an authorized user and no longer have this card and my total usage does not compare to the owners total my total was very minimal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with Experian, they are continuing to show accounts that have been proven not to be mine. An Account with XXXX XXXX listed as a Charge Off. I 've repeatly told them, the account is NOT MINE! XXXX and XXXX have both removed this charge off account from my report after being deemed that it is a fraudulent account. 

They are also showing a Public record from XXXX County Illinois that I 've researched on my own, spoken to the actual courts and they can not find anything, I 'll attach a screen shot with proof proving the account is not mine. 

I have submitted police report to the agency and they are still allowing my credit to be ran fraudulently, I now have numerous credit inquiries from various lenders that I did n't authorize. I have n't had my credit ran since XXXX of 2016 so anything after that, are fraudulent and should be removed. I have a credit fraud alert on my reports and it 's not stopping them from being ran. I finally asked for. Credit freeze today.
Product: Debt collection

I contacted XXXX XXXX with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!
Product: Debt collection

Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX  XXXX   XXXX. 
Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically? 
Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property. 
The issue is that the holder of the note named by Ocwen as XXXX   XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. 's asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX  XXXX XXXX a division of XXXX XXXX XXXX  involving an interest in real estate, land and building, immovable property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting this letter because I found several errors you are reporting to my consumer report and are hurting my good name. Please fix immediately as I have paid this account in full and its now been closed in good standing. 
XXXX ( XXXX )
Product: Credit card

I made a payment of {$1500.00} over the phone to my Capital One credit card using a debit card as a form of payment on XXXX/XXXX/15. The payment cleared the debit card on XXXX/XXXX/15. However it never appeared on my Capital One credit card. I called several times about this issue and it 's still not resolved. Sometimes I had to be on hold for XXXX hours (!!! ) Finally they told me that they sent me a letter asking for the routing number and account number of the bank where I would like to get refund. However, I never got this letter. I called again and they took this information from me over the phone. Anyway, it has been more than XXXX weeks and it seems like Capital One is not going to refund my payment. 
Please see a debit card statement with cleared payment attached. 
My other complaint is that Capital One closed this card about a month ago stating that they did n't like the way I use it. I only did few purchases online for about {$2500.00} total and my card was closed. I have not violated any rules and I really do n't understand why they closed it. I used to have another card from them previously which I rarely used and it was also closed for no reason. If they do n't want people to do certain type of purchases - they should inform customers first about that instead of closing cards.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a new card with Netspend, I been with them since XXXX when I started receiving my XXXX benefits. On XX/XX/XXXX I was told my card wasn't delivered cause i forgot to change my address. I called them on XX/XX/XXXX to speak with someone about my new card and was told by # cust reps my account had been closed, I questioned the reason and was given nothing. They just stated I was no longer eligible for netspend services. On XX/XX/XXXX I called & went to the XXXX XXXX to change my Account info to get my direct deposits but was told that the deposit for XXXX was already sent and nespend will reject the deposit, send it back to XXXX and put on my new account. It was gon na take 5-7 days to fix everything. I decided to call netspend again and spoke with XXXX reps & XXXX supervisor XXXX reps stated my account was closed and that my direct deposit will be rejected. I then spoke with a supervisor that said everyone was mistaken my acct not closed its just a restriction on it and it will be lifted in 24 hr and the rep stated the same thing. Both even acted like they was reordering my card for me. On XX/XX/XXXX my direct deposit was posted despite being told it would be rejected. So on XX/XX/XXXX I call again and was told yes they posted my deposit and now instead of me having to wait 5-7 days now i don't know when they'll send me a refund check for {$2200.00}. Then again i speak with a supervisor that says its not closed its just restricted and i got to wait another XXXX hrs to get it released. I told each rep & supervisor my situation i'm a single mother with a XXXX yr old son and we are homeless right now and that money was what I needed to have a place to live, eat, have gas & give my son lunch money now i'm broke sleeping in my car with my son and {$2200.00} sitting in an account I cant touch. Whats worse is I don't even know why and cant explain to my son right now. I need help ASAP please. I'm up now at XXXX XXXX and my account still has a block. Imagine being hungry & homeless with {$2200.00} sitting in an account but you cant get it and you dont know why. Again I need Help ASAP please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said Equifax reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXXXXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/XXXX 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 an account without my written instructions.
Product: Money transfers

On XXXX XXXX I received an email thanking me for a recent transfer I had made through moneygram, since I had not made a transfer through their service for at least a year and a half I called them to inquire about the email. They told me they could not tell me about any recent transactions, and that they had closed my online account for security reasons I asked them why they closed the account they said they could not tell me. I checked my bank and my credit cards and there had been no withdrawls for moneygram so I assumed it was a mistake. Then, today I I received XXXX collection letters XXXX for online transfers that I was alleged to have made via my moneygram account on XXXX XXXX 2016. I called moneygram they said that they could not tell me who initiated the transfers, but they were made on my account so I needed to pay for them. I explained that I had not logged into the account for over a year and that no transactions have appeared on my bank or credit cards. They claim that I 'stopped payment ' but will not tell me who the money was sent to, or what account they attempted to charge ( there were no attempts to charge either my bank account or my credit cards ) I told them that I could not even log into my account to check and see the details of these transfers I had allegedly made and they said that was too bad but it was there policy not to give out information. They are apparently affiliated with telecheck who sold the collection account to XXXX. Moneygram just keeps telling me to complain to them or call my bank. My bank has nothing to do with this and both XXXX and XXXX want my bank account number, social security number and driver 's license number before they will talk to me, none of that information is relevant to this. Can you help me?
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit.