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

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report FTC Report Number : XXXX along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Received a bill in my minor sons ( XXXXyears old ) name from a debt collector. The company is Transworld Systems Inc XXXX, PA, referring creditor was XXXX XXXX XXXX XXXX Tx. I called Transworld upon receiving letter and was told by XXXX that she would just document that the child was XXXX but he still had to pay the debt. I spoke with a supervisor at that point. The supervisor XXXX informed that XXXX XXXX provided that my son was the responsible party for the bill, even though they have his date of birth on file.
Product: Debt collection

I 'm getting repeated calls from Synchrony Financial. I am only a month behind in payments and intend to make my account current this month. I am receiving up to XXXX calls every day including nights and weekends. I just want them to stop harassing me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX XXXX XXXX  BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$870.00} XXXX XXXX BALANCED {$470.00}
Product: Debt collection

The issues I have had ongoing are with synchrony financial bank. I had 3 credit cards with their company, inXX/XX/XXXX I was part of the XXXX  data breach. All of my credit cards and bank accounts were affected more than once. Prior to this I had perfect credit. All three of my synchrony credit cards were maxed out. The first time, the company helped me, I had the new cards ( account numbers never changed just the credit card numbers ) for 1-2 weeks and they were maxed out again, from places like Florida and Arizona. I live in Ohio. I disputed the charges and they denied them. I was then sued for all three accounts and was never notified of the court dates, so the ruling was To their favor I was only made aware of that when I received the court paper work in the mail. One card was for {$8800.00}, the. {$2600.00}, lastly, {$2500.00}. I spent countless hours on the phone with their support staff, explaining my situation, that I submitted 2 police reports ( one in ohio and one in Florida ) for the fraud and that I never lived or travelled to the states the charges were made from. I was told that since it happened so quickly after the first time, that this was the reason they were not going to help me. I was floored, I had always been a good customer and maxing our my credit cards was never a trend. It has destroyed my credit, precluded me from employment and I have judgements against me now as well. I get threatening letters in the mail. I can not pay these charges, Im a stay at home mom. I never benefited from the use of my cards and its been a nightmare. I just want them off my credit report. I can not help that my credit information was hacked and is all over the dark web. Im a victim not someone who just didnt want to pay my bills.
Product: Credit reporting or other personal consumer reports

According to TransUnion 's report, it states that I owe {$1700.00} to XXXX, which is not accurate. I have only missed one payment, and the monthly payment is {$580.00}, making the total discrepancy glaringly false. Such misinformation has resulted in a significant drop of over 30 points in my credit score. 

I want to emphasize that this misreporting is not only misleading but also a clear violation of fair credit reporting laws. As per my understanding of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report accurate and verifiable information. In this case, the reported amount and its impact on my credit score are not reflective of the actual circumstances. 

The inaccurate reporting by TransUnion has had severe consequences on my financial standing, affecting my business opportunities and overall well-being. Given the potential long-term ramifications, I am compelled to inform you that I am considering legal action to seek damages for the harm caused to my credit score and subsequent adverse effects. 

I kindly request your prompt assistance in investigating this matter and rectifying the inaccurate information on my credit report. I believe it is crucial to uphold the principles outlined in fair credit reporting laws to ensure the integrity of the credit reporting system. 

Enclosed with this letter, please find supporting documentation, including proof of the correct payment amounts and a record of my payment history with XXXX.
Product: Money transfers

EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.
Product: Student loan

I made several calls to Nelnet before the month of XXXX. I spoke to an agent named XXXX. He took my verbal permission and assured me that I was enrolled in the XXXX XXXX and interests are covered by the government under the save plan. On XX/XX/2023, I see interest has grown a lot more without justification and when I call, I speak with an agent named XXXX. XXXX states that I was only on an XXXX plan ( XXXX XXXX ) and I was not on XXXX XXXX as XXXX stated. Seems like XXXX agents gave me XXXX different answers regarding my account status. I should have been on the XXXX Plan before the month of XXXX as per discussion with XXXX but XXXX states that Kevins Save Plan verbal request did not go through and she takes another verbal request from me. I do not agree with interest rates on Nelnet. They are severely higher than what student aid gov shows and they have given me wrong information regarding my account XXXX XXXX which affects the interests rates as well. They are not accessible via phone as wait times to reach an agent is XXXX hours and they do not respond to emails and they do not have secure live chat or messaging upon logging in for customers. They refuse to have a open line of communication with customers. They avoid customers and apply interests without clarifying. They only reached out to me with XXXX call because they heard a report was filed on CFPB. When I call them XXXX times a day and wait XXXX hours on hold, they do not answer my questions regarding my account but when they hear a report was filed, they call. It is clear to me that they only care about avoiding customers concerns in order to apply more interests. They take advantage of customers by avoiding them or giving them inaccurate information. They only reach out to customer when a report was filed to protect themselves but not to help the customer. They never called me to follow up on my requests. There is no way of communicating with them and they use this to their advantage to apply interests daily. Therefore, I do not agree on any interest they applied to my account as they gave me incorrect information about my account. Their XXXX agents gave answers with discrepancies which leads to inaccurate interest rates. I should have been on XXXX XXXX with covered interest as per XXXX promise before the month of XXXX. However, this is not the case. I need clear answer from Nelnet with clear solutions to these concerns. They also need a proper live chat that is secure messaging available to promptly answer clients since interests apply daily. They need to be accessible to all concerns which is not the case. The only care when a report gets files unfortunately.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and was shocked that there are inaccurate accounts on my credit report. I don't know why they're appearing on my report so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX and from an XXXX email alert, I was informed that my credit score had droped. I logged into my XXXX account and noted the following : CARVANA LLC got a copy of your XXXX  Credit Report. Dated : XXXX, XXXXXXXX XXXX CARVANA LLC made an Auto Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX XXXX : CARVANA LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX I have never requested a CARVANA Auto Loan, and I have not inquired to purchase an automobile in many years. I did not authorize anyone to use my name, credit of any kind to secure or inquire about an Auto Loan and/or another loan of any kind. 

After reviewing the Notification info shown above in my XXXX account, I called XXXX Fraudulent Dept. and reported CARVANA LLC 's Hard Credit Inquiry as a Fraudulent Request/Activity on my Credit Report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX XXXX ) I have sent 4 challenge letters to Transunion , XXXX , and XXXX . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX is reporting ok, XXXX is reporting a new charge off every month which is killing my score and transunion is reporting nothing
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX XXXX XXXX XXXX : Ending with XXXX
Product: Student loan

After graduating in XXXX XXXX from XXXX, my loans far exceeded the amount listed for monthly payment. I attempted to file for Income Based Repayment, online but the website would not allow me to bypass a specific page to file my information. I even attempted to send my information via mail on two occasions only to hear from Navient/XXXX that " they did not receive the paperwork. '' During the period of time from XXXX I was continually pushed into forbearance by each Navient/XXXX rep, on multiple occasions being told that no money would be added to my principal at the time. In XXXX, I finally realized how much capitalized interested had been added to my loans and paid them down immediately. As I have worked to pay them down further throughout this year ( XXXX ) I 've noticed that XXXX of the XXXX loans I have paid off in full over 3 months ago do not reflect as such on my account. I hope that all involved are tried and prosecuted. Put me on the stand!
Product: Prepaid card

Has not posted my direct deposit in the amount of {$1100.00} on my payday which is today. When I call no one can tell me when it will post or why it has not. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed with XXXX XXXX XXXX XXXX. on the validity of debt. It was completed on XX/XX/XXXX and thus deleted. I advised Experian and XXXX that item was deleted but they havn't deleted it off their reports yet to date. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and inconsistent reporting of late payments for my XXXXDepartment of Education account on my Experian credit report. As per my records and cross-reference with other credit reporting agencies, there are significant inaccuracies in how this account has been reported, specifically regarding late payment status in XX/XX/year>. Here are the account numbers reported on my report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Experian is currently showing XXXX late payments for XX/XX/year>, categorized as XXXX  days late, which is both erroneous and inconsistent. To provide clarity : XXXX. XXXX reflects this account with an " XXXX '' status. 
XXXX. XXXX lists this account as XXXX  days late, but without prior XXXX or XXXX late designations. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure accurate and fair reporting of consumer information. It is my understanding that reporting a XXXX late status without any prior XXXX or XXXX late notices violates Section 1681c of the FCRA, which requires that credit reporting be both accurate and updated with reasonable procedure. Reporting a XXXX delinquency without an accurate history implies misleading information, which may significantly and unfairly impact my creditworthiness. 
Additionally, the Fair Credit Billing Act ( FCBA ) offers protections to consumers from inaccurate reporting, especially when information fails to align consistently across credit bureaus. Since neither XXXX nor XXXX reports the same delinquency history, Experians report is evidently erroneous. 
Therefore, I am formally requesting that Experian : XXXX. Remove the inaccurate XXXX late payment entry for XX/XX/year>. 
XXXX. Reevaluate this account for full compliance with FCRA standards for accurate reporting. 
XXXX. Remove this account if it can not be accurately updated to reflect my true payment history. 
Please conduct a thorough reinvestigation, and provide me with written confirmation once this account has been corrected or removed. Enclosed are copies of how the inaccuracies shows on my credit reports from XXXX and XXXX for your reference. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my report has been corrected or amended within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX ; XXXX XXXX
Product: Prepaid card

I was supposed to receive the Money Network card by XX/XX/24 per the XXXX XXXXXXXX XXXXXXXX XXXX 
Since I have not received the card, I can not access the funds sent to me by the XXXX XXXX XXXX XXXX 
I spoke with the XXXX XXXX XXXX XXXX yesterday and they asked me to contact the Money Network directly. 
I called the Money Network directly at XXXX and XXXX other numbers I found online. However, I can not get through to anyone unless I already have the card sent by the Money Network. Since I don't have the card their phone system simply disconnects me every time. 
Since the Money Network Financial , LLC is unreachable, I can not inform them that my card has not been delivered and try to come up with alternate solutions.
Product: Debt collection

Called XX/XX/XXXX about getting a letter that debt was paid off. Told they dont do letters of deletion but can provide a letter the debt was paid off in full. It will take 24 hours to get the letter. Called on Wednesday XX/XX/XXXX, they stated they will resubmit a request of a letter. Asked if I went to the company and paid off the debt. I told them yes. The gal stated that was fine and she will put the request in again. It may take 72 hours to get a notice about it. I call yet again today XXXX, they are now telling me legal denied my request but didnt explain as to why. I told her I paid the debt off through the company and I no longer owe money so there isnt a reason as to why this letter should have been denied. She just said Ill put in other request and that was it. This company has been giving the run around and not really helping me solve this problem or situation. I am just wanting a letter stating that I have paid the debt in full and I no longer owe any money on it.
Product: Debt collection

On XX/XX/XXXX, a letter was sent from Jefferson Capital Systems LLC, attempting to collect on a debt from me, offering me 30 days to respond and either pay the debt in full or get set up on a payment plan. This company and debt are both unknown to me, so I of course draft a debt verification letter to the company and send it to the address they have listed for correspondence. I sent this letter by certified mail on XX/XX/XXXX. The company did not respond to any of my requests on the letter, however they continued to send correspondence demanding that the debt be settled, or a payment plan set up. I largely ignored these letters, and allotted time for them to respond to my requests on the verification letter. This leads to now, whereupon I checked my credit report to see that after never responding to my request for debt verification, they have posted a collection to my credit report as of XX/XX/XXXX, in the amount of {$15000.00}. This is not acceptable as they never sent any information regarding the inception or responsibility of me to pay this debt. I will attach the letter that was sent to them within this complaint.