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

To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I got hired by the insurance company ( eventually I found that the job opportunity is not by that company, someone was pretending that the company 's HR ). They gave me the bad paycheck bounced and asked me to make a deposit cash to the vendor 's account for delivering the work equipment to me. They said that is their company policy. On XX/XX/XXXX, after I checked that the paycheck amount is available on my bank of America online page, I withdrew that amount ( {$3300.00} ) and transferred the money to them. But after that, I found the paycheck got chargeback and I found it is fraud. If it is not a real paycheck, why the bank shows " available '' first?
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used PayPal to send {$500.00} as a deposit on a puppy I saw online for sale. Later I discovered this person was a scammer and I never received my puppy. I notified PayPal but they have refused to do anything. While the transaction was authorized, it was clearly a scam and I never received the item for which I paid money. PayPal closed the case and refuses to take any more action. I am unable to get through to anyone on the phone. The PayPal online " resolution center '' is a dead end once PayPal has closed the case. I am blocked from taking any more action, speaking to someone, or appealing the case. Now I am attempting to close the PayPal account and PayPal won't even allow me to do that. When attempting to close my account online, I get a message that there is a " problem '' with my request and they refer me to customer service where again nobody is ever available to talk to. PayPal just abruptly ends the call " we can't support your inquiry over the phone at this time. '' Attempting to resolve problems with PayPal has been a nightmare. I have never encountered such poor customer service in my life. PayPal is enabling scammers and they refuse to take action to rectify fraudulent transactions and scams. They refuse to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

One example, transunion, did ( INVESTIGATION ), come back with with ones i chose, either should be paid or not mine, had fraud on SS # ; come back all correct, HA, so called one myself, XXXX XXXX, asked billing, why give my XXXXns., info if not use it, she ran it while i'm on phone, was paid right then, she said take off credit immediately, week later still their due to a letter i sent them about their incompetent ( investigating ) billing called right then as ending call, they did their part finally, that's another, always told don't ( really } look at med bills but does affect your score. A double lie, its pretty sad, no one gives a C # XXXX & even to do job right, fire them hire me, must be better than them at it, scary thought, lol, need real help with this please. Sincerely, XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX I received a attempt to collect a debt from a party that I am not aware of. I DO not have an agreement with this following company ( XXXXXXXX XXXX  ) and do not know who they are BUT yet they continue to harass me by using different law firms and collection agencies ' to threaten me. when one does not work they move on to other agencies to continue to hide behind and threaten me. 

First it was XXXX XXXX XXXX, then it was XXXX XXXX XXXX and when that did not work they moved on to XXXXXXXX XXXX XXXX XXXX and now Mandarich Law firm. 

from XXXX to currently XXXX all they do is hide behind many different agencies trying to harass me and violate my rights. 

1. I have disputed this alleged debt from XXXXXXXX XXXX  through all my credit agencies and XXXX never responded, thus the agencies have removed the unknown debt from my credit reports. They are in violation of the FCRA act ( he Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ) 2. since the letter of the disputed debt of this unknown company XXXX XXXX it refers to the original creditor ( XXXX XXXX ) again I do not have an account with XXXX and am not aware of any debt. I found a XXXX credit card agreement by doing my own due diligence and there seems to be a arbitration clause that reads ( Covered claims You or we may arbitrate any claim, dispute or controversy between you and us arising out of or related to your Account, a previous related Account or our relationship ( called Claims ). 
If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. ) THIS IS MY 5TH REQUEST that we had towards arbitration to resolve this matters and finally be done with it. 

3. I want the company to validate any debt I owe them by providing me the following : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt- The agreement bearing my signature stating that I have agreed to assume the debt- Valid copies of the debt agreement stating the amount of the debt and interest charges- Proof that the Statute of Limitations has not expired on alleged debt- Complete payment history on this account along with an accounting of all additional charges being assessed- Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Furthermore I fully dispute this debt and I am not owing any debt to any XXXX and or Mandarich law firm, or XXXX XXXX. 


XXXX XXXX
Product: Student loan

My student loan when I attended XXXX XXXX were federal loans. Somehow Navient is now showing it as an XXXX loan which does not allow me to have {$10000.00} forgiven. When asked for my paperwork showing the change in my loan I was just told that it's in income based deferment till my issue with a for profit school I attended is resolved. I have already paid off that loan through another servicer. I want to see the forms that I signed where I consolidated my original loans from NY State Higher Education from a federal to a private loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I spoke with XXXX XXXX with TransUnion 's Specialized Fraud Department. I asked about my request for method of verification under FCRA 611 ( a ), he advised me that Transunion will never send my how they verified the dispute because it is all done electronically. I have specifcally been disputing 3 tradelines ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) since XXXX. Factual disputes being that date open, payment date, payment history, and balance owed were inconsistent and inaccurate. XXXX never responded and XXXX XXXX XXXX as well as XXXX XXXX XXXX sent me a letter saying the tradelines are verified and belong to me. That's not the problem. How is the information being verified? Transunion 's representative ( XXXX XXXX ) responded and said that isn't their responsibility and that they report what the creditor 's furnish. Creditors can furnish anything, so why would FCRA state " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information will be provided to the consumer by the agency. This notice will include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher, if reasonably available ; ''. Why is Transunion telling me that they don't have to send it to me?
Product: Debt collection

I am writing to formally request the immediate deletion of a collection account from my credit report. The details of the account are as follows : - Account Name : [ LVNV FUNDING ] XXXX Date open XX/XX/year> Balance {$800.00} I am making this request based on the Fair Debt Collection Practices Act ( FDCPA ), which governs the practices of collection agencies. Specifically, I believe that the collection agency has not adhered to the regulations set forth in this act, and as such, I am entitled to have this account removed from my credit report. 

Furthermore, I am writing to formally dispute the accuracy of information Upon reviewing my credit report, I noticed that this account has been reported as a new account, despite the fact that it has been closed for over three years. Additionally, the report does not include the original payment history or the closing date as required under the Fair Credit Reporting Act ( FCRA ). This misrepresentation is inaccurate and misleading.

I request that you investigate this matter and verify the accuracy of the information provided by LVNV Funding LLC. If they are unable to provide the necessary documentation, I ask that you remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian, XXXX, and XXXX about inaccurate reported late payments, I uploaded a XXXX bank statements to validate my dispute, yet no action was taken on my behalf.
Product: Credit reporting

My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.
Product: Debt collection

I am so tired of being told to talk to some other collection company for a debt that is clearly not mine! Please remove this from my report. Cease and Desist with contacting me about this debt via written letter, or phone call. Read the documents and please just leave me alone! 

Since XXXX this year I have been asking XXXX to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called Velocity Investments about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. XXXX needs to delete this public credit record as its clear that the account is not mine. My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! I am a XXXX XXXX  XXXX combat veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX was taken from my XXXX account via a Bank of America debit card. I have contacted Bank of America more than ten times, the bank has refused to investigate the claim of fraud, then closed the Bank of America debit card account. Bank of America does not communicate with me. I have not received any information relating to the missing money ( XXXX ) As of today there is no information relating to my claim. Today I contacted Bank of America requesting any documentation relating to the fraud claim. The associate I spoke with refused to send the documentation I have requested relating to the missing money from my EDD account.
Product: Checking or savings account

am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXXXXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trusXXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Vehicle loan or lease

I COSIGNED FOR MY DAUGHTER HER FIRST CAR. SHE ACTUALY PAID ON THE CAR NOTE FOR COUPLE YEARS. HER FINANCES AS WELL AS AS MINE WERE GREATLY AFFECTED DUE TO PANDEMIC. IT WAS NOT LONG AFTER SHE FELL BEHIND ON HER PAYMENTS THAT SHE WAS IN A CAR ACCIDENT AND THE CAR WAS UNABLE TO BE DRIVEN AND WAS SOON REPO.
Product: Bank account or service

In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with SANTANDER. Despite the multiple previous written requests, the SANTANDER still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months to fight for my right. Kindly remove the following as soon as possible. 

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

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze and unfreeze my credit with Experian. It will not allow me to use my username. When I hit, forgot username, it requests my social security and birthdate. Then it shows a prompt that says : Your user name has been sent to the following email : XXXX The issue is that is not an email I have ever used or had. I have tried to contact the company directly to let them know that I am concerned that someone broke into my account. I cant get through. It doesnt get fixed. 

I am concerns that the monitoring company for my credit ( which I do not want to use but I am forced to use ) has been hacked. They have no customer service to deal with this. And my credit is exposed and info is being sent to an email that is fraudulent.
Product: Checking or savings account

I was scammed with a lot of money by XXXX XXXX guys. 
I've already reported everywhere, including XXXX, The fraud department XXXX XXXX, The fraud department of the US embassy in XXXX, and more. 
Long story short, I reported the fraud to my bank so started investigating, however, only the US bank didn't respond anything although my bank, XXXX, has contacted them several times. After all, XXXX closed the case and advised me to sue the US bank. 

The lady who is holding my money has an account in the US bank and of course, her account is locked because I reported her. 
I heard that she is trying to return my money back but she can't do anything with her account now. 
So, I went to the US bank a few days ago to ask if there is any way to release her account, but the US bank said I should report her to the police for more investigation. 
I just filed to the Federal Trade Commission fraud department and the website recommended filing to you here if I'm not satisfied with the bank 's service. 

I will go to the local police station to file her.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous names and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Debt collection

My Credit Report now shows a " Collections '' account regarding a " XXXX '' account from 2011 being collected ( and reported to Credit Bureaus ) by Real Time Solutions in XXXX. I immediately contacted RTS and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. Real Time Solutions is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.