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

I have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.
Product: Student loan

My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle with discrepancies, my financial institution and Zelle failed to investigate adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPS 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

CFPB THIS IS WHAT I'M DEALING WITH NOT SAME AS THIS CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Formal Complaint Against Equifax for FCRA Violations Dear CFPB : I am writing to file a formal complaint against Equifax regarding its failure to properly investigate a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate information on my credit report with Equifax. I provided comprehensive identifying information, including my full name, date of birth, Social Security number, current and previous addresses, and documentation to support my claims of inaccuracies. 

However, Equifax failed to fulfill its legal obligations. Instead, the company issued a letter claiming it could not locate my credit file using the data I provided and requested the same information again. Despite my compliance, Equifax : 1. Did not reinvestigate my dispute.

2. Failed to record the status of the disputed information.

3. Did not correct or delete the inaccurate data within the legally required 30-day period.

This behavior mirrors a recent legal complaint against Equifax where plaintiffs reported similar overburdensome requests and neglectful actions. The described conduct indicates a systemic failure to comply with FCRA requirements, potentially to diminish responsibility for consumer dispute investigations.

Equifaxs inaction has caused me significant distress, harmed my creditworthiness, and has left me without resolution despite my best efforts to comply with their requests.

I respectfully request the CFPB investigate Equifaxs practices, hold the company accountable for FCRA violations, and require them to address my dispute in a fair and timely manner. Attached are copies of my dispute correspondence with Equifax, their responses, and documentation of the inaccuracies I reported.

Thank you for your attention to this matter. I look forward to your response. 

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

I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
Product: Credit reporting or other personal consumer reports

I sent in certified letters on XXXX XXXX, XXXX XXXX XXXX XXXX. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Transunion, XXXX. They refused to call back or give me any information after submitting all provided documentation as a consumer to have inaccurate information removed from my credit report. They cant validate my signature on any form nor prove supporting documentation on why they refused to remove inaccurate information for over a year with me filling several disputes, calls uploading documents through their portal on multiple occasions.
Product: Student loan

This loan originated from a predatory school. A portion The federal portion of the loans has been deleted, and the remaining is in the process of deletion following the XXXXXXXX XXXX XXXXXXXX lawsuit. 

Since the exhaustion of my forbearance period and back-to-school pauses ( around XXXX  with some other periods in between ), I have been making payments I can't afford. I have probably paid close to the original borrowed amount and now owe {$53.00} thousandover XXXX XXXXXXXX more than the original amount. Since the pandemic, I have been paying ever-increasing interest-only installments and seeing my principal still rising. 

Currently, I have been paying non-stop for at least XXXX. With the interest increases, I am paying close to one-third of my current income. I keep requesting an adjusted lower interest or another program that would allow me to breathe, and because I have never been in arrears or default, I always get denied. 

California sued NAVIENT regarding predatory loans, and people in default had their loans deleted. I am trapped in this situation because I can't get into a default to protect my credit and cosigner 's. I can't progress in my life because I have this anchor whose weight is suffocating me. 

I just finished a six-month interest-only program and am completely broke. NAVIENT won't do anything to help. 

NAVIENT knows that this loan originated from a predatory school ( the XXXX XXXX XXXX XXXX and yet they are doing nothing to ease the struggle I am experiencing to get this debt cleared. It just seems to make sure it is ever-increasing and keeps me down.
Product: Credit card or prepaid card

Charge of {$3500.00} was made on XX/XX/XXXX to the XXXX XXXX XXXX for a legal matter. For the 60 days following the agreement, the law office failed to correspond with me regarding the progress of this legal matter, did not acknowledge nor return my phone calls ( which had several scheduled phone appointments ) and emails. On XX/XX/XXXX, I emailed the attorney advising that I wanted to terminate the agreement for lack of service on her part. The office never responded. I contacted Capital One to file a dispute on the {$3500.00} charge. Capital One requested more information, which I provided. They then advised me on several occasions that my required documents were received late or I missed a reply to their requests, which I did not. They have said many times in their letters that this file would be closed. I have submitted all available documentation on time, with proof of receipt by Capital One via USPS or email transmittal. My position is that I never received the legal services that I paid {$3500.00} for. 
I signed the agreement with Ms. XXXX 's office in good faith that this matter would be resolved in a timely manner, with an open line of communication during the process. I failed to receive the communication, failed to receive the legal service and now I am at risk to lose the {$3500.00} fee that I paid to the XXXX XXXX XXXX via my Capital One credit card. The attorney claims she performed the expungement but I had to hire another attorney to do so. If she worked for the {$3500.00} then I want proof, which she has failed to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX around XXXX-XXXX, I spoke with a XXXX XXXX  's ( XXXX XXXX, XXXX XXXX, CA ) sales representative who asked if I wanted to open an account. She did know specific what sort of account this was and proceeded to ask for my social security #. I gave it to her and then she asked for my income. I realized that she was then applying me to a credit card and asked if she was doing that. She said yes and so I stopped myself from giving her my income information and said to cancel this application. On XX/XX/XXXX. I was notified that there was a hard inquiry made to my credit from XXXX. This is affiliated with XXXX XXXX. I did not authorize my credit to be ran by this sales representative because I did not give my income and did not complete this credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : X/X/2013
Product: Money transfer, virtual currency, or money service

PayPal is now breaking their hold timeline which was already illegal, unconstitutional and unethical by arbitrarily and capriciously extending their artificial hold time on our rightfully charged/earned legal fee payments by clients first from 7 days, then to 21 days, with no rhyme or reason other than to inflate their own net worth and interest bearing escrow accounts for longer periods of time. No one will help us in the face of this unabashed theft. They are holding {$3000.00} from XXXX XXXX, and {$1500.00} from XXXX XXXX in this manner. Please intervene and release our funds for which we need to pay our bills.
Product: Credit card or prepaid card

I contacted klarna and was advised by the representative to close this said account because of the issues they were unable to resolve by linking my bank and I followed all the steps and was told that it would be closed and the account has still not been closed and I have yet to receive proper validation of that account being closed. I have reached out to them and they continue to say the same thing about this account and nothing is being done.
Product: Debt collection

I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t  just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices which violate CFPA specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was deceptive and unfair as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I have US Bank checking account ending in XXXX. I tried closing it and called XXXX. 3 transfers and after that i spoke to XXXX at XXXX pm to XXXXpm. Already I was on the phone for 35 minutes and my time is valuable. 
This guy XXXX was asking way too many questions that one should be asking for closing the account. He didn't close the account and I told him that i will file CFPB complaint for this. 

US Bank is recently fined for opening sham bank accounts so I understand that US Bank will create obstacles not to close the account. Moreover US Bank hire very cheap XXXX workers rather than talented and hard working XXXX workers for their IT/operations work.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's impossible to get a live person with Experian. They have multiple phone numbers and they all shut you down. I tried about 5 different numbers including XXXX XXXX XXXX on XX/XX/19. 
I'm trying to lift a security freeze. At the other two companies I had no problem. 
I also tried Experian 's online format. In both phone and online I provided the pin number to unlock. 
They indicate they want me to send by mail various proofs I don't have available -- such as a utility statement. All my mail goes to my employment. I'm a XXXX XXXX. 
Please help me get a live person and remove the freeze. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
Product: Money transfer, virtual currency, or money service

Hello I recently sent money to someone through PayPal and did not receive what was promised. Is there a way to get my money back after this scam? Anything helps! Thanks
Product: Debt collection

I've tried reasoning with both XXXX and the credit company now. Neither will accept fault and remove this error. Here is the full story. 

I transferred my phone number ( XXXX area code ) into XXXX XXXX XXXX under a brand new account. The representative on the line apparently opened up two brand new separate accounts without my knowledge. They tied my XXXX phone number to one account, and created a brand new phone number for the XXXX account. So now, there are two accounts under my social security number created on the same date. I am only aware of one. I go about my life and pay my bill as I normally would, without any indication or request to pay for the 2nd account. Eventually I receive a letter in from collections stating I havent paid my XXXX account, but when I log in my account is paid in full, on time. 

I've contacted XXXX and spoken to multiple departments. I've explained my story. They understood my issue and admitted fault, but said they can not reverse or cancel the error. They will not contact the credit company and fix this mess. 

I contacted the credit company and explained the situation. They ackowledge that this isnt my fault and XXXX should fix, but will not remove the error from my account. Nobody is helping me. My credit has taken a hit. This debt is going to be on my account for the next 7 years. XXXX is stealing money from me. This is not fair. I need some sort of help, please. 


Specific details : The correct account number : XXXX ( PAID IN FULL AND CORRECT ) The account in collections : XXXX ( WHO MADE THIS? I did not authorize the creation of two accounts. The representative is trying to scam me )
Product: Credit card or prepaid card

My complaint relates to the decision by Sears Mastercard to lower my credit limit. I received a letter stating : " To keep your credit limit from being lowered due to inactivity, you must make a purchase or other transaction by XX/XX/2019. '' I contacted Sears for clarification, and it was explained to me that they will adhere to this decision, and in order to maintain my current limit a purchase ( activity ) is necessary. I then asked for a decrease in my APR ( currently 27.49 ), and was denied that option. That is why I don't use this card- the APR was too high. That leaves me with these options : a ) use the card at the expense of an extremely ( and unconscionably ) high APR ( the reason I worked so hard to pay this card off and reserve its use for emergencies only ), or b ) close the account. 
The Sears representatives with whom I talked ( including a Supervisor ) could not explain clearly to me why they could not offer me a lower APR, which would make using the card more reasonable and affordable for me. Further, and most importantly, to close the account would negatively affect my credit score. ( I did check my credit report and credit scores, and there are no negative factors with either. I am in good standing with this company. ) By this action, this company demonstrated no interest in, concern or willingness to work with me, the consumer, which places me in the untenable position of a real threat to my credit standing. It is not unreasonable of me to ask for a lower APR, which would be actually be mutually beneficial for both parties.