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

Experian and XXXX are reporting a charge-off account on my consumer report. A charge-off is a delinquent debt over 180 days old. The company has written off this account/debt as uncollectible and this debt is no longer considered an asset and this has to be reported to the IRS. Therefore a charge-off is considered income. Why are you reporting income on my consumer report? A charge-off can not be considered both income and debt. Suppress this account immediately. 
XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX : Amount : {$35000.00}
Product: Credit reporting

I have a judgment on my credit report from XXXX. It is saying unpaid but I finished paying in full of XXXX 2015. I was told multiple times by XXXX that it would be updated but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX  XXXX and the facts are right there I can upload supporting documents to show my proof.
Product: Credit reporting

I have a credit account with XXXX. I have paid the bill on time with just {$95.00} remaining on a {$1900.00} credit line account. XXXX has reported my account AS CLOSED, DELINQUENT 120 DAYS with {$8.00} per month being paid monthly. This appears as an ADVERSE ACCOUNT on my credit report. I have never made an {$8.00} payment as stated in the report. In fact, some of the payments were made in the amounts of {$800.00} and {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/year>, my stolen SSN was used to take over my Capital One account. I immediately alerted Capital One and attempted to secure my account with a verbal password. 

Since then, the identity thief has re-taken over my account at least six ( 6 ) times, using my stolen SSN and other PII to call into Capital One Customer Service, change my account 's phone number to theirs, and re-take over my account. Despite multiple calls to Capital One about this issue : * Not once has any customer service rep asked me for my verbal password, indicating they did not ask the identity thief either * Capital One CSRs repeatedly allow the attacker to regain control of my account despite a long established history of fraudulent takeover attempts on my account I've since closed my credit and fraudulently opened Capital One bank accounts, but my Capital One web account is still active and still being taken over by the identity thief. This provides the identity thief with access to my credit score through Capital One 's CreditWise. Capital One has already been used as a pivot point to take over my bank accounts, as it alerts the identity thief to where my bank accounts are. Capital One still lets this threat persist and still grants the identity thief access to my credit reports, furthering the risk of lateral movement to my other existing accounts.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding ( XXXX ), XXXX, due to a lack of validation of the information being reported on my credit file. Despite my request, Experian failed to adequately investigate the matter or provide proper documentation to substantiate the accuracy of the reported information. 
Recently, I was informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, citing allegations of accepting unreliable information and failing to notify consumers of the results of their disputes. This closely aligns with my situation. Experian has neither corrected nor removed the disputed information, even though it remains unvalidated. 
The continued presence of this inaccurate or unverifiable information is negatively impacting my ability to secure { a house, car, etc. }. I am formally requesting that this derogatory remark be removed or corrected immediately, as Experians inaction constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. 
I expect prompt action to resolve this matter in compliance with federal regulations to prevent further harm to my credit profile.
Product: Debt collection

XXXX XXXX XXXX PUT A COLLECTION REPORT ON MY CREDIT FOR {$390.00} OR SO DOLLARS. I HAVE NO IDEA WHAT THIS IS. XXXX TOLD ME THAT IT IS FOR A COMPANY I HAVE NEVER HEARD OF CALLED XXXX XXXX XXXX. 

ABOUT XXXX MONTHS AGO I HAD A MAIL FRAUD THIEF STAY IN XXXX OF MY XXXX XXXX. HE GOT MAD AT ME FOR REPORTING HIM TO THE POLICE. HE TOLD ME HE WOULD PUBLISH MY INFORMATION ON THE DARK WEB. I DIDN'T BELIEVE HIM UNTIL HE TEXTED ME MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH. I HAVE NO IDEA HOW HE GOT THOSE.
Product: Debt collection

XX/XX/2019 Creditor : XXXX  XXXX XXXX Better Known as : Convergent Outsourcing, Inc client Acc # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX convergent Acc # XXXX XXXX , WA XXXX original creditor : XXXX XXXX reduced balance {$1800.00} Total Balance {$5300.00}
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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.
Product: Payday loan, title loan, or personal loan

Ive used Affrims lending services several times in the past and have successfully paid off the loans. Recently I went to her firm to purchase a reconditioned XXXX XXXX and keyboard. I used the vendor call XXXX XXXXXXXX. I was approved for the full amount and XXXX  XXXX did not deliver the complete products together in 1 package. I only received the XXXX XXXX but I did not receive the keyboard. XXXX XXXX investigated the problem with XXXX. XXXX claim that it was delivered. I was home on the date that they said it would be delivered because I was expecting it. When I got the email alert I open the door and there was no product. I reached out to the company to let them know did I did not receive it. They opened an investigation with XXXX, however XXXX claim that the package was delivered. We have had several problems with XXXX in the past of claiming they have deliver products in my area, we do not have a high crime area and no problems with theft or stealing packages. The neighbors here are proactive with looking out for each other. 
I took pictures and return the XXXX XXXX because I did not want to deal with this vendor XXXX XXXX. I have receipts showing that it was returned I submitted it to Affirm however I just received a email from Affirms resolution department saying that I am still responsible for the loan. Which is totally absurd. I responded back and sent the confirmation to affirm that XXXX  XXXX received the XXXX XXXX. I do not want Affrim to try to destroy my credit by placing derogatory information on my account failure to pay or delinquent At this point, Affrim is claiming delinquent in a payment. Please respond as soon as possible with this dispute. 
Thank you for you speedy time and attention in addressing this matter. 

XXXX XXXX : XXXX XXXX XXXX UT Phone : XXXX Email : XXXX Corporate Office : XXXX Florida Phone number : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Disputes with Credit Reporting Agencies - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of great concern regarding disputes I have encountered with the XXXX main credit bureaus : Equifax, XXXX, and XXXX. I have been diligently working to rectify discrepancies on my credit report related to XXXX specific accounts. Despite my efforts, these discrepancies persist, and I believe that my rights as a consumer are being compromised.

Below, I have outlined the details of each account in question along with a brief summary of the issues : 1. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Sold ; Charged-off - Remarks : Purchased by another lender ; unpaid balance charged off - Action Taken : I have paid this account, and it should be reflected accurately. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$2700.00} - Status : Collection - Remarks : High balance discrepancies- Action Taken : The reported information is inaccurate XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$1200.00} - Status : Collection - Remarks : Placed for collection ; not my account - Action Taken : I dispute the validity of this account ; it is not mine. 

XXXX XXXX XXXX ( XXXX Accounts ) XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Current ; Paid as Agreed - Remarks : Credit card lost or stolen - Action Taken : Both accounts are closed and should be removed from my report. 

XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Account Paid in Full ; was a Collection - Remarks : Settled less than full balance ; paid collection - Action Taken : I request the removal of this account from my report. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$4000.00} - Status : Charge-off - Action Taken : Submitted mutliple disputes. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - Balance : {$7600.00} - Status : Collection - Remarks : Account previously in dispute-now resolved; placed for collection - Action Taken : I am seeking removal under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached supporting documentation to validate my claims. Please investigate these matters with the respective credit bureaus and facilitate the correction of inaccuracies in my credit reports. Your prompt attention to this matter is highly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a TD Beyond Check on XX/XX/XXXX as part of a promotion to receive {$300.00} bonus upon opening the account and receiving {$2500.00} in direct deposits within 60 days. The terms and conditions say the bonus is available to " new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the proceeding 12 months. '' I last had a TD Bank Premier Checking account over 12 months ago. The previous account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This complies with the 12 month language that was stated in the terms and conditions when I opened the account on XX/XX/XXXX. 

When I contacted TD Bank I was informed I was not eligible for the bonus as I was a previous account holder. They stated the promotion contained the following language " '' Customers who received a bonus on a prior checking and/or savings account do not qualify. '' However I maintained screenshots of the terms and conditions from the date which I applied and this language was NOT part of the terms at that time. ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX  2021, PayPal suspended my account and placed limitations on it. They asked for additional information about my bank accounts to ensure I was who I said I was. After receiving the requested information PayPal permanently banned my account. They have given me no information about the reasons behind the original limitation or the permanent ban of my account. I've had the account for over XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have recently found out through my credit report that XXXX XXXX, a loan service company that works directly with XXXX University, has filed multiple reports against my credit, because of delinquent payments. But on the report it doesn't state why my payments were delinquent. I am always on top of my loan and debt repayments ; however, XXXX is an unreliable company which makes repayments almost impossible. My loans first became due on XX/XX/XXXX. Since that day until XXXX of XXXX, I made several attempts to repay my loans by either visiting their website or calling them. Whenever I visited XXXX 's website I encountered a message claiming that " service is unavailable ''. This happened every single time I visited their website. Since, repayments through website was obviously not a solution, I attempted calling the company on various days at various times. I would either receive a busy tone, or the call would keep ringing without anyone ever responding. To investigate this further, I called XXXX University 's loan and financial department, and a represintive went over different possibilities. They told me that XXXX often has these problems, and it is very like that they are changing the service provider for those loans, and I shouldn't worry about. That was a relief to hear as XXXX seemed very shady in the way they conducted business. Unavailable website and customer service can be very very alarming. This company has wasted a lot of my time from writing this complaint, calling them, visiting their website, etc. I shouldn't chase after them and waste every day of my life to hopefully catch their uptime. This is unreasonable. 

On XXXX of XXXX, I was able to access their website, and realized they are still handling my loan. Their website 's interface is not intuitive and errs on the simplest actions and inputs. Even with all these obstacles, the first thing I did was to setup ACH so that they could directly transfer money from my bank account. Again, this was the first thing that I did to prevent any delinquent repayments in the future. I believe the way that XXXX handled my case is absolutely wrong and bizarre, since they provided no medium for me to take care of my repayments at all. XXXX 's business is very concerning and suspicious. No transparent communications, no website, and no customer service. Even as I am writing this the website is unavailable. However, this time it doesn't even show any messages, the website just doesn't load at all. I have tried to load the website in different browsers and still no luck. I have attached the picture of one of the instances when I visited the company 's website to make a payment. This problem was so frequent, I took a screenshot. In case something like this would ever happen. I am glad I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

NMAC ( Inquiry :XX/XX/2019) add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified account unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where TransUnion has either correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute account, as TransUnion inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time Experian just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately Experian propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service
Product: Money transfer, virtual currency, or money service

Airtm are scammers! They took my money four days ago and refuse to help me. I have sent multiple messages repeatedly, but to no avail and without any response. 

Someone sent me {$140.00} to my Airtm account, and then I discovered that they claim my account has reached the sending and receiving limit. They told me that if I wanted to withdraw my money, they would help me, but they needed my approval first. They made me send a specific message stating that I agreed for support to intervene in my account to withdraw my funds. 

However, after sending the message, I received no response for four days. I have been contacting their support email, all social media platforms, and XXXX. The only place where I received a response was on XXXX, where they said they would recommend a quick reply. But as usual, there has been no response via email, and they continue to ignore my messages. 

It has now been four days, and it is clear that this is a scam, as the same thing has happened to others who were also unable to withdraw their funds.
Product: Debt collection

I am writing to formally submit a complaint against Wells Fargo for the following reasons : XXXX. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
XXXX. Misuse of Federal reserve loans I'm concerned that Wells Fargo may be abusing loans obtained from the federal reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in the relationship to my account. 
XXXX. Abuse of insurance policy ; the bank charge me while collecting on the insurance policy that was supposed to ensure my account. This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part
Product: Credit card

I have an account with affirm that was with another collections agency that was returned back to them. I never even got to make a payment on it before it was sent back. Now its been sitting with them for months, I am hard of hearing and a XXXX veteran so once again calling on the phone does not work for me. I need a messaging service but can not get what I need to get done and they just tell me to call in. 

I am trying to figure out whats going on with this account and why hasnt it been sent to another agency like XXXX or XXXX XXXX since the other agency failed to maintain my file. 

The loan number is XXXX. 
Id like to get a payment plan set on this to get it done and over with. I will be requesting a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXX ). ( XXXX XXXX SC XXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX SC  XXXX )
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.