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

on XX/XX/XXXX. I disupted multiple inaccuracies with XXXX, Equifax, and XXXX. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

This is unlawful and the following matters need to be corrected all XXXX credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant XXXXo15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 2 of the 30 day late. 
3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 
4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX XXXX XXXX XXXX 30 day late payment
Product: Student loan

I have sent multiple messages and called numerous times ( long wait times ) informing MOHELA that my monthly count should be at 120 payments if not more. I have currently been stuck at 69 payments according to Mohelas website for 2 years now. This information is inaccurate as I have been a public service employee, working at the same employer for over 20 years. My hired date at XXXX XXXX XXXX was since XX/XX/2002 and this has been my only employer since. Every time I contacted MOHELA in the past they tell me it will take up to 90 days to see my counts update, well we are now over 2 years and my count has not updated. Please someone investigate this matter to accurately reflect my counts and my loan forgiveness. I think it is unfair that my payments are resuming when I should already have had my loans forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

The addresses and names are not my correct information. Per FCRA XXXX XXXX XXXX credit reporting agencies must report correct and accurate information. 

I have asked several times for XXXX to update my correct name and address on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Student loan

US Dept of Education should not be on any of my credit reports. If an account is in collections how can it be 160 days late? By law they have the responsibility to delete this information since it is in accurate. This company has been violating FCRA on my behalf for years and I am at my last recourse before a lawsuit.
Product: Money transfer, virtual currency, or money service

I believe that closing my paypal account is a mistake. 
I'm XXXX XXXX doing online freelancer with paypal since XX/XX/2022. My paypal account, XXXX has a stuck funds in it, amount XXXX XXXX, I wish my account be restore so that I can withdraw funds to pay bills. Thank you for helping. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called the company on XX/XX/2020, spoke with XXXX to provide information regarding my new job. I also asked if I could change my withdrawal date since my paydays had changed. I was advised to send over a check stub once I received one and it would be processed. I was told my payment would be adjusted for the upcoming payment and I would have to call in to make that payment, which I did. I called back on XX/XX/XXXX to verify my check stub was received, and I was good to go for automatic drafts for the next bi-weekly payment and I was assured it was. The XXXX of XXXX, the payment came out correctly. However, another payment came out on XX/XX/XXXX. When I called to verify why, I was told because my check stub was not attached to my account. Thatv made no sense because we verified on the XXXX the stub was there and on the XXXX the bi-weekly payment was automatically drafted as it should have been. I was told the payment was adjusted again and I needed to call in again to have the payment adjusted again. But that's not what XXXX told me. By the way, I kept getting the same representative each time I called in and he was extremely rude this last time I called. I asked could the erroroneous payment they pulled from my account on XX/XX/XXXX be reversed and he said no. I asked for a manager, he said one would call me by end of day XX/XX/XXXX and they never called. I called back to the company that day to withraw my electronic consent. They need to be investigated and fined for not following Reg Z and Reg E.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENTS Equifax is in violation of FCRA 15 USC 1681i.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. With this, I am asking for your assistance to correct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I tried contacting XXXX XXXX credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on XXXX until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that XXXX was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, XXXX is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe XXXX should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of account XXXX XXXX XXXX  from my credit report. Please see the attached XXXX  release form as well as the cfpb response from XXXX stating that the account will be removed. Please note that all XXXX bureaus are in violation of the FCRA because all data furnished is not accurate. All XXXX bureaus report different agencies. I submitted a dispute time and time again about the inaccurate information on my credit report. This has caused me much stress and many lost opportunities due to your negligence and violation of the consumer protection laws. Remove the aforementioned account immediately from my credit report.
Product: Debt collection

An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX  over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest. 
- Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P . 

In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.
Product: Debt collection

I have requested validation/verification of debt in the amount of XXXX and XXXX that XXXX XXXX is saying I owe. These debts are not my debts. I have requested proof of these debts to no avail
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Late/Open
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and 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  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't furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX, EQUIFAX AND XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I was charged {$1000.00} for a purchase I did not make. On that date I was traveling home from XXXX. I did not have time to go on any excursion which is supposedly what the charge was for. I contacted the company and they dont even accept credit cards and the address on the receipt is not even theirs. I have showed proof of travel and explained all of this repeatedly, including texts from the company and it seems they can not understand that there is no way I made this charge. The fact that I did not lose my card does not mean that I did not make this charge. I believe one of the vendors I did use it with made the charge. I have no problem paying my charges but when I didnt make the charge it is very frustrating. The digital signature is not even close to mine and doesnt even have my last name on it.
Product: Debt collection

on XX/XX/XXXX i found a summons to appear in count from Portfolio Recovery Associates on the outside of my fence on the ground, the date on the Summons is XX/XX/XXXX, the Attorneys for Portfolio Recovery Associates who's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA, XXXX is the same address as Portfolio which seemed fake to me, so i went to the Court ( XXXX XXXX Justice Court ) to see if this was real and they confirmed that it was real, so i paid {$60.00} dollars which i did not have to spare to answer this summons, Portfolio Recovery is claiming i owe them {$2600.00} for a XXXX XXXX XXXX XXXX XXXX, in the Summons Portfolio claims " they took an assignment of the account in good faith, for value and in the regular coarse of business. '' in this Summons Portfolio shows no evidence of a contractual agreement, no paper trail of amounts such as purchases, late fees attorney fees, interest etc, I believe Portfolio bought this debt for XXXX on the dollar and thought they could intimidate me with this law suite to win by default hoping i wound not respond, in XXXX i was diagnosed with non curable XXXX XXXX and after 6 months put on XXXX XXXX   XXXX with the State of Arizona so i still have no money and have nothing to give these intimidating THIEFS, i am afraid to contact Portfolio Recovery Associates since i filed my Summons answer to ask them to send me proof of documentation because i dont want to say the wrong thing and incriminate myself, Thank you for your help.
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute with Experian in XX/XX/year> in reference to a collection account that was placed on my credit report from my previous landlord in retaliation for reporting the property management to HUD for discrimination, of which they did the investigation and found cause against the Property Manager, Who was subsequently transferred to another property, yet suffered no other hardships for her behavior. The only reason XXXX added the collection to my credit report, was in retaliation of which I provided evidence of, all the documentation that proved not only did I not owe them money, but in fact, they still owed me money per our settlement agreement upon my vacating the residence. Experians response was the company that reported the information certified to Experian that the information is accurate, and that was the basis of their decision, even though they were holding in their hands, direct evidence to contradict that statement. If the only thing that Experian needs is a debt collectors word to validate a bill, then they need to have more training. There is not one person in this world that believes anything that comes out of a bill collectors mouth, yet for Experian that is considered standard practice? After a fee disputes, Experian denied me any more disputes, as well as XXXX did the same because of Experian. The only reason it was removed from my credit report is I contacted your company, who sent the information to Experian, as well as the debt collector. The debt collector agreed to delete it and remove it from my credit report, but by then the damage was done as Experian had made me fight the collection for over a year.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; 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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Mortgage

this concerns wells fargo I appied for mortgage modification in XXXX Iwas told by bank that I had to be 90 days late to apply when I applied my mortgage was XXXX a month It was a extensive process I faxed them information 2 times a week After about 8 or 9 months they said my payment was about XXXX a month I told them it was too high and I could not afford it Lost our house in XXXX We are in our XXXX we thought we were going to spend the rest of our lives there
Product: Debt collection

I don't owe anything & now my credit is damaged from false report.