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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. 

Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Finance is still on my credit report, exceeding the fair credit reporting act. It has been XXXX
Product: Credit reporting or other personal consumer reports

I can not express how upsetting it is to see my financial future being affected by careless errors on my report. These inaccuracies are dragging my score down and preventing me from securing opportunities that I should have access to. It is completely unacceptable that I have to keep dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard inquiries from XXXX card services last XX/XX/22 and XX/XX/22. However, I never applied for any cards from this institution.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report without any explanation. I checked it like I always do, but this time there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but nothing changed. I urgently request that my documents be carefully reviewed so this situation is resolved immediately. I'm beyond frustrated with this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  : I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : - 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

Paramount Recovery Systems has put amounts of money owed, but I have no idea who they are or representing. These items are duplicated and triplicated on my credit reports. These amounts 1st appeared on my reports in XX/XX/XXXX, and now they appear as XX/XX/XXXX. These are the account numbers : XXXX {$38.00} ; XXXX {$56.00} ; {$330.00} ; {$330.00} ; {$220.00} ; {$280.00} ; {$280.00} ; {$220.00} ; {$220.00} ; {$120.00}. I have tried to get these items removed from my credit reports without success. I really need your assistance with this matter
Product: Credit card or prepaid card

I have been trying to pay my walmart store card and the refuse to let me pay it. 
I have tried to contact them via email, website, chat, and telephone. Both Walmart and XXXX XXXX. 
I received the card in novemeber, used it to purchase gifts in XXXX while in the US. 
I have moved to XXXX and on coming here planed to pay the amount due from here, just like with any other company. 
Their website however would only allow me to pay it by checking account, which must be in the usa. I no longer have an account there since I moved here. I then tried to pay walmart via their customer service, but they would not help me and said I needed to contact synchrony, they refused as well to help me. Then I got transfered to 2 more people who told me the same, you are not permitted to pay with a bank account outside of the us or even with a Visa, Mastercard or debit card. 
XXXX, the last person they had me talking to tonight XXXX XXXX, XXXX at XXXX ( XXXX time ) says that she has no other options, they will not take credit card payments for it unless I go to walmart ( which is XXXX miles away ). I had a store card in the past and you could always make online credit card payments. 
I thought I should report this to someone, because I am sure I am not the only person they are doing this to. But it would seem they are trying to make it so people can not pay and then hit you with late fees. Please direct me on how to proceed with this, because I have no idea what else to do, I want to pay my bill, but they just wont let me do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a method of verification for several accounts on my credit report for XXXX ( XXXX ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/2023 but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Bank of America put a 30 day XXXX Account on my credit report and I was only 15 day late and paid it up to date. Is it true that you have to be 30 days late before they report anything?
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ). 

Enclosed are copies of my FTC Identity Theft Report and the police report filed in connection with this identity theft. The specific fraudulent accounts are as follows : - XXXX XXXX XXXX XXXX XXXX XXXXC In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

i did not open this account with XXXX XXXX please remove asap
Product: Credit card

I have a payment plan with American Express and money management international which has been paid on time but Amex is showing no payments received since XX/XX/XXXX. My credit score has dropped by XXXX points and I am not getting any response from Amex.
Product: Checking or savings account

XXXX debited my checking account for {$89.00} and Huntington bank refuses to reverse this charge!! And XXXX  is taking over 10 days to do anything about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed Jointly with someone else which clearly is a Violation in Privacy and they are reporting inaccurate information I am am a victim of identity theft and have security freeze on my account about it I have done multiple requests for them to verify the correct information and they have not done so
Product: Debt collection

I received a civil court filing from XXXX XXXX on XX/XX/XXXX, regarding an old credit card debt ( XXXX XXXX ) from XXXX. I ignored the court date due to my personal reasons about the debt. A default judgement was reached and the XXXX Funding were granted judgement in XXXX XXXX, XXXX Around XX/XX/XXXX, right before the statute of limitations ran out, I noticed my paychecks being garnished. After reaching out, I discovered XXXX XXXX filed in XXXX XXXX, Ga to pursue garnishment. I work remotely so the paperwork was delivered by a process server and signed by an unknown individual besides me. I had no knowledge of this garnishment or wasnt properly served to contest the garnishment. The garnishment proceeded without an answer and I wasnt notified of actions. When attempting to request the official court order, the information is unavailable
Product: Debt collection

National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report. Upon reviewing my report, I noticed an error in the reporting of my XXXX XXXX account ( Account Number : XXXX ). 
The report incorrectly states that my account was closed at the credit grantors request. However, I did not request the closure of this account, and this is an inaccurate representation of my account history. Additionally, the balance reporting and credit usage percentage may be outdated, as my last payment on XX/XX/year>, should reflect a lower balance than what is currently listed. 

I am requesting that Experian correct this inaccuracy and update my report accordingly. I have attached relevant documentation to support my claim. Please investigate this matter and provide me with a written confirmation of the correction or an explanation of your findings. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any updates as soon as possible. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I signed up with XXXX XXXX my social security check and they're a hole in it I can't pay my phone bill and I'm about to be evicted Please help
Product: Debt collection

XXXX XXXX has used a debt collection company to collect on past dues. We have disputed the debt and now they are trying to issue a default notice and foreclose on my house. I have entered my statement, regarding the debt. It is always different every time they send a new notice. I finally received an itemized statement and found missing or incomplete payments, which I have proof of. These are only the ones I found. Its possible other missing payments exist too.
Product: Money transfer, virtual currency, or money service

I hired a XXXX XXXX on XX/XX/2020, under the impression that he was a paralegal working for XXXX XXXX XXXX or XXXX XXXX XXXX, a supposed firm based at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hired him to help me file a small claims case, which involved sensitive legal information, including all evidence, prep discussions ( demand letters, who to serve, how to serve, laws broken/codes, etc ). He insisted that I pay him via PayPal " Friends and Family, '' so that he wouldn't have to pay business fees normally due ... a business. 

Since then, he has been unresponsive to questions ( never really answering them ; writing back in incomplete sentences or broken English, etc ), always late in getting back to me ( anywhere from several days to a week or more ) and has not provided a single document or served a single defendant in the case. I need to move this case along for urgent financial reasons. In my last communication with him, I requested him to provide some evidence that he had been doing work on the case, as I had paid for ... but he never responded. I have all emails and documents pertaining to my communications with this XXXX XXXX. I am out {$560.00} because I trusted XXXX XXXX XXXX as a legitimate legal service provider. When you go to their website, XXXX, you will find nothing of the sort, but a broken website. Further, he has communicated to me with a regular XXXX  account, with no domain name assigned ; a non-professional email. 

I opened a dispute with PayPal Credit 's XXXX XXXX  Credit Card about this transaction. I supplied all evidence to them of this man 's communications, etc, and they have only dragged their feet and provided not even a provisionary refund to my account. I do not feel PayPal is taking this matter seriously at all, and is using COVID19 as an excuse to avoid doing their jobs. They are completely unreachable by phone, and it is very difficult to reach their partner, XXXX XXXX, in this matter. Whenever I am able to finally reach them, they refuse to provide any updates on the case, and tell me to wait 60 days. I am not comfortable waiting for my rights to disappear under some unknown statute of limitations here. It has been long enough. I need a resolution promptly.
Product: Credit reporting, credit repair services, 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  Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 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: Vehicle loan or lease

I previously filed a complaint regarding significant difficulty paying my car loan off. Ultimately, with assistance from a prior CFPB complaint, I was able to pay this loan off. However, in my communications with XXXX XXXX at Truist, I was told that I would receive an interest credit of about XXXX dollars due to delays from Truist in allowing me to pay this loan off. I agreed with the plan and asked that it be put in motion. I received a check for over XXXX dollars but am still missing nearly XXXX dollars. I was told that I would be receiving this second check soon about XXXX weeks ago. I have reached out to XXXX at least XXXX times and she has made no effort to call me back or contact me in any way, therefore my last measure to resolve this issue is to file this complaint.
Product: Checking or savings account

XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX {$20.00} XXXX XXXX overdraft fee XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX $ XXXX fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees When I called to ask about it they basically just said it was for overdraft when there was literally no money in the account to bevy with it's still very rough out here in the economy.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly.

The disputed payments are as follows : 1. Date of Late Payment 1 : XX/XX/XXXXXXXX  2. Date of Late Payment 2 : XX/XX/XXXX In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error.

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score.

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting

It appears I am unable to have an address I 've never been to removed from my credit report without an attorney 's help for recourse. I 've hit a brick wall. 
XX/XX/XXXX-Disputed a reported address I 've never lived in nor even know where it is in the area. 
A written notice was sent XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX with all requested supporting/identifying documents. Included was detailed information relative to why & how it is NOT my data. 
Experian refused to allow it as a dispute and uploading any supporting document in PDF format was unfruitful. It may be the XXXX format that I will check. Four attempts in two days without success.starting XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, however, they already have the original supporting document sent in XXXX XXXX. 
Below is a cope/paste of their screen message to me : We 're sorry. We were unable to honor your request Sending us your information To submit your request by mail, please send your documents along with XXXX copy of a government issued identification card, such as a driver 's license, state or military ID card, etc., XXXX copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing. 
Mail this form to : Experian XXXX XXXX XXXX XXXX, TX XXXX Your identification information ___________name Social Security Number : XXXX Address Report number : XXXX What is my recourse?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.