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

I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX  stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX  along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, TU ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Product: Money transfer, virtual currency, or money service

I'm very satisfied to used Paypal with my online transactions as a it is where my clients send their payments. I'm doing short intro, video teaser or video promotions for my clients.. But suddenly they limited my Paypal account and they email me that I can no longer used Paypal because they noticed some activity in my account thats inconsistent with their User Agreement. Without specifically mentioning what user agreement I violated. They limited my account. Email is the only way for me to reach them but I don't received any reply from them. I was saddened with this because this is where my clients send their payment and it's affecting my business. I loved using Paypal. Hoping that they reconsider.. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Product: Credit card

This is an update to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Received a phone call from American Express XXXX XXXX @ XXXX on XXXX. She stated that I was still responsible for payment even though USPS told me there was no investigation. She said they can re open dispute if USPS responds to me. I clearly stated that I am NOT the shipper and there claim form clearly shows you need the original mailing receipt. Copies of my attempt to get information and requirements are attached. This does not make any sense when the shipper stated he would let me know any results of the USPS investigation and never did so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in an ongoing back and forth battle with Equifax. I have had two open actively reporting accounts that report to all three credit bureaus. A car loan and a credit card. I have already made sure they report to Equifax and even had the companies send Equifax a letter telling them I have made all my payments on time and that it should be getting reported. I have been told 8 times to send in personal information to verify my account ( no exaggeration ) because they say they need to verify my identity. I have mailed and faxed and each time it does nothing. The last time I was in contact with Equifax the customer service representative informed me that they have no record of my accounts reporting and I told them that they are and that they sent over a letter/document showing proof. They are no help and this has been going on for over a year. This is affecting my life and can not get my loan for college or purchase a home due to not having Equifax credit. I have no other problems with the other two bureaus.
Product: Credit reporting or other personal consumer reports

I need to get a collection an the inquiries off my XXXX account that i never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.
Product: Checking or savings account

I started a dispute of two transactions on or about XX/XX/2019. I forwarded the requested information on multiple occasions but was told that my information was not received. 

I called multiple times but never got a solid answer to my questions about the status of my dispute. I disputed two charges ( {$150.00} and {$570.00}. ). I have had nothing but the run around. 

They finally provided a credit for the {$150.00} but have not been forth coming with with the dispute concerning the {$570.00}. 

I feel like this is intentional at this point. 

I have been a member for a number of years.
Product: Vehicle loan or lease

I filed a complaint against capital one auto finance but capital one auto finance responded that they own this account.for the past three years this account has been sold to a collection agency which was reported to the credit reporting agencies.it 's violation of all applicable federal and state laws for capital one auto finance to have account information in their data base after it has been sold to a collection agency.this is not a duplicate complaint as this company stated, this is a entirely different complaint that I submitted to your company.
Product: Debt collection

On XX/XX/2020 I've sent a letter to XXXX  disputing and requesting the removal of debt Convergent Outsourcing. XXXX  reported the account as verified. On XX/XX/2020 I sent another letter to XXXX  disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX  could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX  prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
Product: Debt collection

XX/XX/2016 debt paid off through low income financial funding
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.
Product: Student loan

XX/XX/XXXX School Year : federal loans consolidated with terms agreed to on master promissory note were a 120month repayment starting upon matriculation from my institution, XXXX. 

Date unknown : I received notification that Salie Mae was spinning off & my loan would be serviced by Navient XX/XX/XXXX : contacted Navient to inquire, what remained on my loan & was told that I was in a 240month repayment plan. I then sent a letter to Navient & requested a copy of my original promissory note. When Navient replied via mail, they sent only a signature page & showed no repayment period terms. 

As my time allowed I thrive placed calls to Navient, who generally kept me on the line 40min-2hrs as the respondent investigated & /or waited for  a supervisor to become available. I was then told a promissory note would be sent. No further information was received in the mail XX/XX/XXXX : On phone with Navient Employee XXXX ID XXXX for 41min. He stated the mastery promissory note on file was cut off and no loan repayment period was shown. I was again put on hold to wait for a supervisor. XXXX XXXX. He again has said paperwork will come in 7-10 days. 


I maintain that without my consent, my loan repayment was altered from a standard 10 year 140months to a 240month term.
Product: Credit card

I opened a XXXX financing account on XXXX in XXXX of XXXX  and ordered a XXXXXXXX XXXX XXXX  XXXX with this financing on XX/XX/XXXXXXXX  under order number # XXXX. This was successful. 

The financing account I was offered and approved for is a revolving line that can be used anytime on XXXX 

On XX/XX/XXXX, I attempted to purchase another device with the XXXX XXXX I was approved for, and the purchase initially went through. But canceled shortly after about 20 minutes later. This was their response " Thanks for your recent order # XXXX. Were really sorry, but weve cancelled the items shown below because we couldnt verify some or all of your payment information. '' I placed the order again after verification, and the same issue happened. I've placed a total of 17 order independently, with XXXX Representatives over the phone, and verified information that has not changed with countless representatives. 

It is now XX/XX/XXXX, and I have been in communication with an escalation manager who said she would fix the issue, as it's an issue with their system, and has nothing to do with me. 

I received an email from this representative today stating that the final reason they can not process my order order, is because their system has identified that I can not place orders on their website? Also stating this aligns with their risk protocol and that their primary concern is security. 

This is absolutely unacceptable. The only reason I have a credit line with XXXX is to be able to purchase from XXXX. The financing is only able to be used online, and there is absolutely XXXX reason why " security. '' I was also told that I should request a credit line increase due to the option I had to split the payment method with another card during the initial orders. I requested it and was denied. 

This experience has led me to conclude that they are engaged in illegal Consumer Lending Fraud, and Deceptive Lending practices under " TILA and Regulation Z '' For a large company and lender to offer a consumer a revolving credit line that is limited to be used only on their website, approve the financing and the first purchase. Then later state that the consumer can not purchase online due to a fictitious claim of security, and leave the consumer stuck with a unusable credit line that the company is profiting from is not right, and illegal under regulations. 

I am looking for compensatory damages due to the impact this will have and has had on my credit report. I would have never opened a credit line with a company such as XXXX if I knew this was how they treated their customer and credit line holders. 

They've lied and said the reason was my credit limit, my information being different although nothing has changed, told me it was my bank who had the issue, that is was a linking account issue, and now that it's a security issue. They are liars and I will include all documentation as attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject XXXX Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear , Transunion, Experian , Equifax I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : A copy of my government-issued ID. 
A copy of a recent utility bill ( to verify my address ). 
A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ] Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

I submitted my dispute to equifax via the cfpb. They did not respond there but sent me a letter asking me to verify my address, place of work, and ss. Via the mail. The dispute was submitted XX/XX/XXXX. It  was a complaint into Equifax 's miss handling of a complaint that took longer than 30days to respond, yet it is still on my credit report. I can not speak with anyone on the phone cause the system does not recognize me. It feels like this was a malicious attempt to prevent me from communicating with them, when they fail to notify me with in 30 days, and now they dont want to deal with the issue they created. 

I have attached the original disputes, which have the paper trail of how  they handled the dispute originally. Then when brought to thier attention, I filled an additional dispute against Equifax for taking more than 30day, to which the disputed the validity of the dept, instead of what the dispute was actually about, and I have included the letter they sent which contains a typo n my address. So I can not very what they are asking for, cause it's not true. This is what they sent instead of calling me, or actually handling the dispute sent. I did not include the dispute submitted on the XX/XX/XXXX, because it was already a dispute from over 60 days ago that they have yet to properly address. 

They need to own up to thier mistake and remove the item from my credit as well as fix thier system tmsobthat I can reach them on the phone. 

This is absolutely ridiculous how long Equifax is taking to handle something that started over 90 days ago. And now it's like trying to work with children who dont want to do thier chores. Get you act together equifax you cant provide XXXX pore service, and then play games instead if owning up to your mistakes and eating the cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I have submitted a written letter to all XXXX major credit bureaus, and also the actual companies of the alleged debt, explaining my rights as a consumer and how there have been inaccuracies on my credit report that's being hindering me. According to the congressional findings statement and purpose, As a consumer I should be entitle to fair and equitable credit reporting for consumers like myself. It's now been over 60 days and I have not yet seen any removal from the alleged negative items listed on my credit report for the following accounts listed below. My information was also impacted by the XXXX data breach and may have got into the hand 's of the wrong person. This caused me on going stress and I would soon have to file for litigation due to this amount of stress. 
XXXX XXXX XXXX ACT # XXXX XXXX XXXXl ACT # XXXX XXXX XXXX XXXX ACT # XXXX XXXX ACT # XXXX XXXX ACT # XXXX XXXX XXXX XXXX XXXX ACT # XXXX Collection Account : XXXX XXXX ACT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ), reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

Account Name : NATIONAL CREDIT ADJUSTERS Account Number : XXXX Balance : {$500.00} This letter is a formal complaint against NATIONAL CREDIT ADJUSTERS, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the XXXX  from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. I have asked this company to validate this debt because the date of last activity is reporting inconsistently in all three credit bureaus. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.