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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My student loans were transferred over to Fed Loan servicing in order to have an income based repayment plan. Working with them from the beginning has been a horrible experience. I have had to consolidate loans in order for them to be eligible for IBR program and they made multiple mistakes on the consolidation, mistakes that I had to be diligent and catch and when I did and had them fix it another mistake would happen. A easy consolidation process took 5 months to complete, in return adding interest to my loans that I am obligated to pay although it was a mistake on FedLoan Servicing part. Since I have over XXXX in student loans this interest that accrues is a lot. I have called them 2-3x/week for 5 months to make sure things go correctly and they still make mistakes. When they make mistakes they do not fix it in a timely manner. Everytime I call I speak to someone else who does not know what is going on so I have to repeat my situtation every single time ( which calling 3x/week and repeating myself is very frustrating ). I absolutely HATE their service and if I knew I could choose a different servicer from the beginning I would have but this is what my federal loan directed me to. I have lost a lot of money and valueable time dealing with them.
Product: Money transfer, virtual currency, or money service

I wanted to know what action I did that violated some company policy and was told they don't have to tell me and my account stays open but unusable with my bank and debit card unlikable with them. It's PayPal and I want to be totally deleted with them
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX  {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian, XXXX and XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to Experian, XXXX and XXXX for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, Experian, XXXX and XXXX has failed to provide the required documentation or a valid explanation within the legally mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XXXXXXXX XXXX Balance : {$650.00}
Product: Credit card or prepaid card

A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy being reported on my credit file has an inaccuracy. The filing date ( s ) and court name are not correct.
Product: Checking or savings account

I had lost a card ( last four numbers : XXXX ) i had gotten from Cashapp, canceled the card after reporting it stolen/lost, and a few days later i noticed the card being declined for XXXX, XXXX, XXXX and XXXX. I called and complained, Cashapp told me to contact XXXX and the other companies, so i did. Well a couple months later i see it still being used to try and order stuff from these same companies. I contacted Cashapp, they told me they could do nothing for me because the card was canceled and replaced. So i canceled and ordered another card. Each replacement card has a different card number as well. Now its another couple months and the first card that had lost, IS STILL BEING USED TO TRY AND ORDER THINGS. I have screenshots of the card being used and the transactions. I want to know why a card that the company told me was canceled, is still associated with my account and being used by the same person with the same companies. Its absurd ive contacted them 3 times in a 4 month span and nothing has happened and Cashapp is perfectly happy with letting my account be compromised and someone take my hard earned money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint requesting that the Crediet Bureaus remove the disputed fraudulent items removed from my Creditt Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX NV XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX  XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX repossessed a truck from me after conducting a charged off on the vehicle loan account on XX/XX/XXXX and closed the account. It has been 7 years and the account dose not even shows on my credit report. Last night XXXX XX/XX/XXXX the truck was repossessed from Michigan and taken to Wisconsin. I call them and they want 4400 to return the truck but it has been a year past the statue of limitations on a contract loan in the state of michigan. The company will not even acknowledge this when i tell them and just ignores the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken every necessary step to ensure that the credit bureau ( XXXX, XXXX, Equifax ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.
Product: Debt collection

I received a collection letter on XX/XX/XXXX. I called the hospital where the debt originated. They confirmed to me that I had no debt and the mistake was on their end. I emailed the collection company on XX/XX/XXXX disputing the debt. I didn't receive a response to that email. 

On XX/XX/XXXX I received a letter stating that I have not " disputed the account as stated. '' That is not true. I DID dispute the account. I have email proof. 

This company illegally contacted me.
Product: Money transfer, virtual currency, or money service

Hello. 
Last XX/XX/XXXX I sent {$500.00} dollars trough XXXX, the authorized electronic money transfer option Chase Bank added to the Chase App. 
After I sent it I spoke to the receiver. Someone I Know. She said that her telephone number did change so I immediately changed it on my bank 's XXXX contact app and called the bank to explain the situation since the transaction wasn't final. 
The Chase bank customer representative told me that it would be better if I wait and if the money didn't ends at my friends account they will submit a claim. 
For my surprise it didn't happen. 
I contacted the bank to request a refund. They answered they just can't because it is customer 's responsibility to check on the accuracy of the recipients. 
So then, what banks accounts and fraud protection mechanisms are for? 
They leave us, customers, helpless and with the feeling that this is a scam backed up by the banks. 
I truly hope that any government institution protect us against that greedy and fraudulent use of our money. 
Thanks
Product: Credit reporting or other personal consumer reports

I was never late on my car loan, I was involved in accident and waiting insurance to pay the dept. unfortunately in my credit report there was a late which is not my responsibility at this time. Ive contacted to BMW Financial services and they agreed that its an error and they suggested me to dispute the error with credit bro companies. 
This was on XX/XX/year> The amount $ XXXX  monthly payment wich went late because I had no control at that time and we all were waiting for insurance to finalize and pay!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was deeply disappointed and confused to find unauthorized inquiries listed. I check my credit regularly, but this time, unexpected discrepancies caught me off guard. Refreshing the browser didnt help ; the unauthorized entries remained. This issue has really upset me, and I urgently need the documents Ive submitted to be carefully reviewed so that I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Hi there and good day I noticed there are a few things on my XXXX credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all XXXX credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



XXXX. ) CAPITAL ONE ( Bank ) - XX/XX/XXXX XXXX ) CAPITAL ONE AUTO - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went online to pay my balance on my credit card on XX/XX/2019 it read on the computer I owe XXXX so I pay the computer came back with a XXXX balance. I went on the computer XX/XX/2019 to see if my work check was deposited and I saw under the credit card that I owe XXXX, I had pad my total balance the day before which was pad in full, there was not a additional total for the XXXX on my account at the time of payment .I don't understand how they can add money to my account after I paid, if that amount was there when I went to pay I would have paid, note I paid the bill off around XXXX XXXX and at that time it told me my balance was XXXX so that is what I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is reporting inaccurate information to my credit file for trade line : XXXX XXXX XXXX ; incorrect balance owed
Product: Credit reporting or other personal consumer reports

I have been disputing the following errors with TransUnion for 283 days and sent them over 13 letters, with no resolution. They have failed to provide valid proof of debt, investigation results and/or correct the inaccuracies on my report : XXXX XXXX ( Account # XXXX ) - Unverified account. Please update to never late. 
XXXX XXXX ( Account # XXXX ) - Unverified account. Please delete this account from my report. 
XXXX XXXX XXXX XXXX - XXXX address. Please delete this account from my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 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 Experians inaction violates federal law and my rights as a consumer. These are the accounts Ive marked inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> ' : I received a call from a Wells Fargo pprepresentative who told me my debit was being cancelled for a year because I XXXX too many claims. I explained to her no one has ever told me I could make too many claims in fact it was suggested to me to make sure I can put in any claims I had and not to wait too long after any issues because it could be harder to dispute. So without warning or prior notice my debit card was revoked for an entire year. Given no consideration that the account is an online account that I pay bills from and I have my direct deposit. I can understand had there been suspicious activity but I had nothing to make them concerned. A payment had to be rerouted preventing me from paying a bill and causing a late fee. This bank seems to protect itself and merchants more so that the customer
Product: Credit card or prepaid card

I have had a Brinks prepaid MasterCard since XXXX of last year. Without warning I was told that risk management was closing my account and would not explain why. I called back several times to push the issue and was told that they did not have to explain to me why my account was closed. They consistently let charges that I disputed before go through and then closed my account for suspicious activity. I was so upset. Because I disputed charges should not be grounds to close my account. Furthermore I was told that I could never open a net spend account again I had to a file formal complaint of identity theft with the FTC and wonder if I am being unfairly dealt with because of it. 

Does this have any negative affects on my credit??? 

How can I be sure that this company is truly legitimate? 

I also believe that charges that should not have been charged are due to me. Including fee over charges. 


Please advise. 

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

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or TransUnion credit agencies. I did receive a response from XXXX  but they did not resolve all of my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 120 days since i have been trying to get Experian to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Experian is reporting inaccurate information on my consumer credit report. To this day Experian has yet to send me any information regarding their investigation. The simply report " XXXX  by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Experian has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Product: Debt collection

I am writing to dispute and request complete verification of a XXXX XXXX XXXXXXXX XXXX account appearing on my credit report. I received a collection notice without any supporting documentation, which I am attaching to this dispute. This unverified collection is currently preventing me from securing housing for my family. 
Critical Information : Property was sold on XX/XX/year> Account shows charges after the sale date Received collection letter without any debt validation No proof of debt ownership was provided No original contract or payment history included I formally request the following documentation : A. Original Creditor Documentation : Complete copy of original bearing contract with signatures Original account opening date Original account number Proof of coverage dates and termination Verification that charges are only for the period I owned the property B. Payment Verification : First payment date and amount Last payment date and amount Complete payment history Current balance calculation C. Transfer Documentation : Chain of ownership of debt Verification of collection authority Dates of account transfer Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation Verify the accuracy of the information Provide all relevant documentation Remove any information that can not be fully verified This matter requires urgent attention as it is directly affecting my family 's housing situation. I request that this item be investigated and resolved within 30 days as required by the FCRA. If complete verification can not be provided, this item must be removed from my credit report.
Product: Consumer Loan

I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.