23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
+ ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
+ XXXX ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
+ XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX my PayPal account was used for a purchase on tik tok shop unauthorized. I woke up and saw transaction at XXXX and attempted to call in which they were closed. I attempted to open dispute online it didnt work. I reached PayPal after XXXX while I was working and completed dispute. I also reached tik tok shop to get information and no purchase showing so they could not help even after providing the transaction id. I send PayPal that information as well. I then get a denied claim as of XX/XX/XXXX due to be logged in at that time. I was sleeping so I knew that could not have been the reason. So I call and get no help I requested a supervisor and XXXX talks as if I am bothering her. She sighed throughout call and just didnt want to help I thought I called customer service and didnt receive any of that today. She sounded as if she didnt want to be at work and this was a supervisor in which she sounded like she was in the bed. Dont work in customer service if you cant give that. The frustration of someone stealing my money and then being treated like a criminal is sad and crazy. I requested information on why claim was denied and what I needed to do and was told I needed to mail in a letter. Not sure what the letter is suppose to say and why a letter is needed. I requested information on who I needed to contact not provided. The first agent did explain I wa denied due to being logged in I advised her to give me the times it shows me logged in because I knew I was sleep so I know that was false information. They were unable to give me the times then I asked if they reached tik tok shop to get payment information and where package was delivered, the agent advised it was sent to California! I am in Texas! Not sure if my information is stolen from the outside or internally at this point. Not sure what I need to do to dispute a payment that I did not authorize and I did not use.
Product: Debt collection

Hi, I was illegally sued by Wells Fargo Bank in XXXX XXXX, Florida and forced to file for bankruptcy in 2012. The cases were dismissed twice by the court but a corrupt lawyer hired by this bank illegally appealed the dismissals. I filed a complaint with this office and my case was never solved. The case number with this office is XXXX. As a result I had to discharge in bankruptcy more than $ XXXX illegally charged to me and living with bad credit for ten year. I havent been able to buy another house or get a decent job. Please Help with the abuse committed by this bank.
Product: Mortgage

I have requested extra payments to go toward principal. The bank keeps applying the excess toward interest and not the principal. I would like my loan audited to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. XXXX  and TransUnion are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given XXXX, Transunion or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. 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 XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found numerous errors relating to student loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX LOAN PAYMENTS RESUMED IN THE FALL OF XXXX 
If you click on my XXXX loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to Experian on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below.

I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on student loans during the PANDEMIC. 

EXPERIAN XXXX XXXX
Product: Vehicle loan or lease

The mentioned account ( Brigecrest Auto ) states that the account was delinquent on numerous dates, that the vehicle was recovered, and that one or more statements are inaccurate. If the company reports that the car was repoed it should show when the vehicle was sold or redeemed it shows neither in my credit profile. I spoke with Bridecrest directly and the representative informed me that the vehicle was scrapped and could not be recovered, so in regards to this being the case how can ( Bridgecrest Auto ) be reporting that the car was repossessed, I would just like this company to work with me in stating the facts with dealing with account.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation listed, they either pay me or delete this account ASAP.
Product: Debt collection

This is XXXX XXXX water aka XXXX XXXX. I had been renting a water machine for 17 years and purchase it. I do not know what happen internally but they said I still old XXXX for the machine. paid off later attached
Product: Debt collection

Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1000.00}. I believe I appreciate FBCS, Inc. originally XXXX accepting about {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Product: Checking or savings account

I deposited two separate business checks on XXXX XXXX one check was to the sum of {$330.00} the other XXXX, I was informed via a letter from the bank XX/XX/XXXX, that they posted a debit to my account to the amount of {$630.00}, I called Customer service immediately and told them that this is a mistake as I never have returned checks especially if it was deposited on the same day, it did not make sense, I was informed after spending a full hour on the phone on XX/XX/XXXX, I received a claim # XXXX, and was told very clearly that it was a mistake and they will credit my account within 2-3 business days. This did not occur, I called them again without success They informed me an altogether different story that it may take 3-6 weeks until I will receive an answer from the bank, which is totally not acceptable. I would very much appreciate if you could look into this matter.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Debt collection

I dont recall or recognize this debt. 
I believe its fradulant and a scam! I dispute the validity of this debt and want it removed. 
XXXX XXXX XXXX XXXX is a scam and I have knowledge of this debt!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan accounts, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) by failing to correct these inaccuracies. Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ), Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c, and the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531. I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Credit card or prepaid card

I received a CashApp debit Visa card in the mail. I did not request this card. I found a phone number for CashApp but it is strictly an automated system. There is no real person available and no way that I could find to tell them about a fraudulent use of my information. Through an online search I found that XXXX XXXX  is often the bank source. I called the bank. They told me to call Cash App. I found another number for the bank and again was told to call Cash App. I pointed out that they issued credit of some kind since there was an account number on the card. They took that information but that's it. I'm am not really sure they canceled the account. In the past 5 months I have had several attempts to use my identity to open credit cards with my information. I was told by XXXX that since it is a debit card, it doesn't not go through the credit reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According
Product: Credit reporting, credit repair services, or other personal consumer reports

Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent accounts include XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding my credit report. Recently, XXXX removed a charge-off from my report that was reported by XXXX XXXX XXXX XXXX However, TransUnion and XXXX have failed to remove the same charge-off from my report. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq, credit reporting agencies are required to maintain accurate credit reports and investigate any disputed information. The FCRA also states that credit reporting agencies must correct or delete any information found to be inaccurate or incomplete, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681i. 

Despite acknowledging that the charge-off was in error, TransUnion and XXXX have failed to take the necessary action to correct my credit report. This is a violation of the FCRA and has caused me significant financial harm. 

I have attached documents from XXXX supporting my claim that the charge-off was in error and has been removed from my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that TransUnion and XXXX remove the incorrect charge-off from my credit report. I also urge you to hold these credit reporting agencies accountable for their failure to comply with the FCRA and the consequences outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.
Product: Vehicle loan or lease

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX last XXXX of XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) biling error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX and XXXX XXXX
Product: Student loan

On XX/XX/XXXX my payment to pay the remaining balance of my student loan cleared my bank. After I had made the payment a representative told me to to call back the following Monday to request a paid in full letter. When I did so I was then told it takes 30 days, so I waited 30 days and called back, at this time I requested if the letter had not been requested yet to please send a paid in full letter by mail. A week later I still had not received anything so I called to follow up, was advised a letter had just been requested on the XX/XX/XXXX which was several days after I had requested it however I said ok I will wait to receive it and call back if I dont have it in a week. A week later I received a receipt not a paid in full letter stating I would receive a paid in full letter within 45 days, so now I hears different time frame and I called to talk with a manager by the name of XXXX. I explained to her my frustration with getting a different answer every time and mention how this only confuses consumers and I was thinking about filing a complaint, XXXX seemed understanding and placed me on hold to speak to the department that sends the letters, she then gets back on the phone and tells me it could possibly take 45 to 60 days to generate the letter even though my payment had already cleared my bank, I again stated now I have a time frame in writing and being told yet again a different answer. She had said she apologized and since I mentioned filing a complaint she could do that on my behalf, I questioned this and she stated she could send me email confirmation the complaint had been filed. I NEVER received an email of this and to this day XX/XX/XXXX have yet to be sent a paid in full letter. This is absurd that a lender is so careless and does not send requested documents that they legally have to supply. This may be a reason we have so many issues with defaulted student loans is lenders dont give the required information and consumers get frustrated and dont want to deal with it. Also when this was reported on my credit report it did not do anything to positively effect my score, I am not sure how that portion works but would like it looked into.