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

Hi, I appreciate Experian and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was XXXX XXXX I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to Experian already. But Experian has failed to get the correct response on my report. I want a zero balance showing on my report under XXXX XXXX. Thank you!
Product: Credit card or prepaid card

On XXXX XXXX 2017XXXX a person bought merchandise from me through PayPal. The buyer used a credit card on PayPal and made four {$XXXX} transactions and a {$XXXX} transaction. I shipped the items he purchased and submitted the tracking numbers to PayPal. After receiving the items, the buyer attempted to scam myself and filed several disputes with PayPal on the transactions. PayPal started deciding against the buyer and the buyer did a charge back on one item as a duplicate payment to circumvent the PayPal process. I contacted PayPal and they actually stated to me that buyers could do this and there was nothing they could do about it. It was the only way that a person can be scammed on their website. They also stated that the buyer would not be punished for this behavior. I am out {$XXXX} because of this issue and PayPal took the {$XXXX} from my account with them despite having compelling evidence that this was a scam. I requested that I be sent the financial institutions name and phone number that way I could contact them directly and they have refused to provide the information. PayPal must be held equally liable for assisting in a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Equifax is reporting an account under the name XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00}. However, this account does not belong to me, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX XXXX XXXX  with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has listed an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 


Equifax has included an account attributed to XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1700.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Equifax has reported a late payment for the account XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Equifax removes the late payment notation. 

Equifax has reported inaccurate information for the account XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$16000.00}. Specifically, the account was never late, contrary to Equifax 's report. I request that Equifax corrects and updates this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

OnXX/XX/2018 I submitted disputes for validation of student loan information being reported incorrectly to all 3 Credit reporting agencies, XXXX, XXXX, and XXXX. I also reached out to the various reporting companies listed on the credit agencies reports. All the information from the Credit Bureaus differ and after the inquiries of dispute for validation, XXXX  and XXXX have claim to have found the information reporting to be valid and almost tripled the amount owed/balance reporting. They are also reporting some balances as paid {$0.00} balance. I have been on an income driven base payment plan which I have paid every for the past 9 months. As of XX/XX/2018 I have been considered successful and the loans I receive a letter that the loans are now returned the PHEAA.  However the balances were all consolidated and now they are reporting tripled on XXXX and XXXX. These have highly affected my chance of any progression or stability in life. The loans were previously sold to various companies and have history showing as report status of PAID {$0.00}, transferred to new lenders, CLOSED, some companies such as XXXX, XXXX XXXX, AES, XXXX etc and now the true balance are in discrepancy amongst the agencies and are causing denials and chaos in my life. The Credit agencies have not provided me with any valid documentation for any of what they are reporting on these student loans. These co
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : XXXX NUMBER XXXX BALANCE XXXX XXXX XXXX XXXX XXXX-account number XXXX balance {$2000.00} XXXXacct number XXXXbalance {$480.00} XXXX XXXXbalance {$250.00} XXXXXXXX XXXX XXXX XXXX-acct XXXXhighestbalance {$600.00} XXXXXXXX XXXX XXXX XXXX- acct number XXXX {$150.00} XXXXXXXX XXXX XXXX-act number XXXXbalance {$200.00} XXXX XXXX XXXX XXXX XXXXacct number XXXX-balance- {$1300.00} XXXX XXXX XXXX-acct number XXXX balance {$99.00} XXXX XXXX XXXX {$140.00} XXXX XXXX acct number XXXX balance- {$170.00} XXXX XXXX XXXX XXXX  number XXXX balamce {$5700.00} *XXXX  XXXX XXXX  acct number XXXX balance {$350.00} *XXXX XXXX act number XXXX balance {$820.00} XXXX act number XXXX balance {$300.00} XXXX XXXX XXXX XXXX XXXX balance {$460.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Product: Debt collection

I, XXXX XXXX XXXX, am submitting this on my own behalf. 

This company does not have my permission to contact me or use my information. Additionally, this company has been notified via mail that the debt they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. 

Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED.

This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different.
Product: Money transfer, virtual currency, or money service

Hello I deal with a company that exports vehicles to other countries, and this company deals with Western Union business solutions to receive their international transfers. 

The amount that is transferred is XXXX XXXX to Western Union business solutions and a month passed, and they did not deliver the amount to the final beneficiary as they described. The final beneficiary is XXXXXXXX XXXX 

*The name of the account I transferred to is/ Western union business solutions *The transferred account number / XXXX The Date of the transfer / XX/XX/2023 *Bank name/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Best regards.
Product: Vehicle loan or lease

I was contacted via phone about a balance I owed for {$120.00} and I let them know I was waiting for my check to come to pay that balance and the upcoming payment. During this time I am literally in the hospital with a sick child for an XXXX XXXX and shes hospitalized. They continued to try and get in contact with me so someone they have reached out to someone that I personally know. Once called I was told that clearly they asked was I XXXX XXXX ( female ) and hes said no but he knows who I am and he being male. Instead of saying they were trying to reach me for business matter or anything professionally without disclosing my private information or protecting my consumer rights she ( the bank person ) decided it would be ok to tell him that she needs me to pay my balance on my vehicle that I was behind on. Im behind {$120.00} and I was clear when I spoke to the previous person it would be paid. This is beyond ridiculous, embarrassing, and violated my rights as a consumer! This person isnt even close enough to me to have known or should know my private matters ESPECIALLY when I have rights. I would like the resolution to be monetary compensation because Im sure if this was done to me shes doing this to other people! Again, my child is in a XXXX and I have to worry about someone calling me to tell me they know my personal business that I didnt give the rights to disclose with ANYONE.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

***Secondary Complaint to XXXX, after closing primary Complaint** Please see response to XXXX for additional issue not resolved in previous complaint. Please add that narrative here for resolution to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian is reporting inaccurate Information from XXXX, XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because experian, XXXX, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Credit reporting

Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Product: Credit reporting

I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.
Product: Mortgage

I need to know what it takes to have a company STOP contacting me by mail. Every time I receive some of their junk email, I call the company and they say that will remove my name. A few weeks later ... BOOM! another letter. It 's just JUNK. Yes! I know that all I have to do is simply throw it away, but I know that I can not be the only one being harassed by these people. The company is Freedom Mortgage. They say that it is from their VA Loan Division. What the idiots do not even bother finding out is that the person that they are mailing to ( my wife ), is NOT the veteran. Can you please, please, PLEASE talk to these people, or forward this to the proper authorities? These people are annoying and I 'm sure that I 'm not the only veteran that they are bothering.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I met with my financial coach and she informed me that my balance was different from what the credit reporting agency notated. She explained that the credit bureaus can take up to 30-60 days to update the information. I called the bureaus to update the  balance and have not gotten a response from the credit bureau. This is my second dispute against Transunion.
Product: Credit card

Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed
Product: Credit reporting or other personal consumer reports

Capital One hasn't reported my credit card payment history to XXXX since 2013
Product: Debt collection

A company that I do not know has reported a collection on my consumer report. I have not opened any kind of account with this company. I do not have any relationship with this company at all.The company is : RENTDEBT AUTOMATED COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The checking account that I use to pay this credit card was compromised twice, where money was fraudulently stolen from my account. On each of these occasions I had to close the checking accounts. Payments from these accounts did not reach XXXX XXXX XXXX because of this. I have explained to them over the phone and in writing what happened. They refused to remove the late payments, that were out of my control, from my credit report. I am asking for help in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Debt collection

THE CBE GROUP INC-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX
Product: Credit reporting or other personal consumer reports

I CONTACTED EXPERIAN XXXX XXXX TO ADVISE THE FRAUDLENT ACCOUNTS ON MY CREDIT PROFILE. IVE CONTACTED THE COMPANIES AND HAVE NOT HEARD FROM XXXXXXXX XXXXXXXX EXPERIAN CLAIMS TO HAVE VERIFIED THE ACCOUNTS. WHERE ARE THE CONTRACTS AND AGREEMENTS .. WHAT METHOD WAS USED? I AM A VICTIM OF IDENTITY THEFT AND THEY ARE VIOLATING MY RIGHTS.