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

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX* Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the IRS stating that someone was applying for a job by using my social security number. They provided websites of the 3 credit reporting agencies where I could obtain a free credit report. 

Transunion required a credit card as part of a log-in and did not display a price for services. I had searched registration page each step of the way for dollar signs and there were none. Transunion proceeded to charge my card {$19.00} and enroll me in a monthly service at a price of $ XXXX/mo.

I called and told them that there was no such authorization to charge my card. They said that they would end my subscription and that the initial {$19.00} is non-refundable. 

This is inappropriate, as they did not request on the webpage that they could charge my card for this service. At the very least, they are engaged in deceptive practices.
Product: Credit reporting or other personal consumer reports

XXXX 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure 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 XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systematic issues such as failure 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 TransUnion has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As a borrower of student loans to finance my education, I entrusted XXXX to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification XXXX that " XXXX/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. XXXX 's error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to XXXX that same day ( XX/XX/XXXXXXXX  ) and was on hold for more than 2 hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXX ), after more than 2.5hours I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently XXXX is quick to causes damage, yet slow to repair it...
Product: Credit reporting, credit repair services, or other personal consumer reports

The car a XXXX XXXX XXXX  was defective. The company issued a recall for the brakes in XX/XX/XXXX. I went to the dealership XXXX XXXX and they said they did not have the part but it was safe to drive. I went there twice but they said they did not have the parts, On XX/XX/XXXX I had a very bad accident I had to be cut out of the car. The person that was siding with me was injured. I suffered a very bad XXXX  and XXXX  injury. And it is still bothering me. The accident was caused by defective brakes the same recall that was issued for the car. I had to be cut out of the car. I almost died. Now Ford Credit is putting that I owe them {$650.00}. Now I can not drive anymore and I have to be taken every where. I want this off my credit report.
Product: Checking or savings account

I opened a new account with BBVA. I received my new account/TISA disclosure when I opened the account. Approximately two weeks later I went to process an external transfer and noticed I would be charged a {$3.00} fee. I reviewed by TISA that was provided at the time I opened by account and it DID NOT disclosure this fee. By not knowing this at the time of opening my account, the Bank did not provide me sufficient information to assess my desire to continue with opening the account. This is unfair ( mis-leading ) and a deceptive practice to get people to open their account and then BANG charge them fees to access or move their money out of the Bank without proper disclosing it when the account WAS OPENED.
Product: Money transfer, virtual currency, or money service

Hi, I've been a loyal PayPal user for about 4 years plus now. The other day at approximately XXXX on XX/XX/2021 I received an email from PayPal , stating that I was no longer able to conduct business with them and that my account was permanently limited along with the holding of my personal funds ( {$13000.00} ) for up to an 180 day waiting period. 

Now, If I was in the wrong or did anything that I wasn't supposed to or wasn't aware about, then I apologize. I simply did not know nor was I conducting any fraudulent or malicious activity with the company 's services. I am 100 % legit and have made all of my money legally and the correct and honest way. I'm a XXXX XXXX XXXX XXXX XXXX for music producers and I sell my services along with digital products as you can see within my account ranging from $ XXXX {$590.00}. The smaller digital products in the $ XXXX range and my XXXX services that you can see in transactions almost everyday for {$590.00} and you can also see {$290.00} which is a payment plan that most of students join in on. 

Also, I have a very clean seller history with them as well, my duration of time spent doing business with PayPal, I've NEVER had a single chargeback or any disputes opened on me with that account or with any customer, and if a problem DID arise, then I respectfully solved it by immediately issuing a refund to them clearing up any mishaps also which you can see on my transaction history as well. I simply just want to provide a great service and customer support to people. 

I've filed a complaint with the XXXX  along with calling PayPal 's customer service line, and emailing PayPal 's VP 's, Execs, & even the CEO XXXX XXXX. I've also made a consumer protection complaint with the state of California where they're based out of, but still have yet to hear back from any of them. 

I do understand fully that PayPal would no longer like to do business with me and I rightfully respect their decision by all means. What I'm requesting from PayPal personally is that the holding of my funds can at least be lifted, so that I may gain access over my money that's been accumulated within the time period of conducting business with them. 

I am simply seeking a resolution that is fair and in the best interest of both parties and I hope that this problem can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus XX/XX/2023 and informed them I am a victim of ID Theft and there are addresses and accounts listed on my credit file that I've never lived at. 
The following addresses are listed inaccurately on my credit file XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Debt collection

In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provided a method of verification
Product: Debt collection

I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

Year ago.. XX/XX/2017. I went to go buy home saw someone opened XXXX XXXX card in my name. I paid the card down..my balance was around $ XXXX- XXXX.. now my card is maxed out according to XXXX XXXX and I do not have card in my procession.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there ran a hard inquirie without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charges were made to XXXX of my XXXX XXXX XXXXXXXX accounts totaling {$90000.00}. There was a charge of $ XXXX on XXXX account and $ XXXX on another to XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXXXXXX to dispute the charges and was told that it was authorized. When I asked by whom they told me that they could not reveal the phone number in which they authorized the charges nor the person that they spoke with to authorize the transactions. How can my cards ( which I am the sole user ) be authorized by someone other than myself? I disputed the charges verbally with XXXX XXXX XXXXXXXX and they are now reporting charge offs on my credit report. I have a police report showing the fraud on the accounts which was given to XXXX XXXX XXXX by XXXX XXXX whom I hired to get this resolved. I thought it had been taken care of as it is not showing through credit platforms such as XXXX XXXX and also was not on another report. I recently applied for credit and was denied as a result. This has not only cost me money in trying to repair my impeccable credit history but I am personally damaged by this reporting as I was not able to obtain business financing which resulted in me losing my retail business space for my business. XXXX XXXX XXXXXXXX is fraudulently reporting this information and has not provided me with the information required by the the FCRA and has violated my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Experian on XXXX XXXX, XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. they responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records. 

on XXXX I then wrote back to the Experian people with information from the courts and not reporting that information to them as well as the NEW Information i Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Experian once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX COMPANY ON XXXX to which I am holding as a response once again from EXPERIAN saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
Product: Debt collection

I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.
Product: Credit reporting or other personal consumer reports

I have Been Fighting With EquiFax for over a year Now to remove all inaccurate information from my credit report, I have spoken with EquiFax verbally about this matter, I have even sent out priority mail to resolve this matter. EquiFax has Refused to Remove inaccurate information reporting on my credit. This creditor is acting out of its jurisdiction an is operating as a government entity.Due to this my credit score has taken a drastic decline, and is effecting my credit score and financial opportunities
Product: Payday loan

Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama
Product: Debt collection

I've requested the company to remove this negative collection with no reply. 

Caine and Weiner XXXX XXXX XX/XX/year> Account # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX 15 U.S.C. 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt