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

I am writing to formally dispute inaccurate information on my TransUnion credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 


Incorrect Name - XXXX, XXXX, XXXX- This reported information is inaccurate. Please delete from my credit report. 

EMPLOYER - XXXX XXXX- This reported information is inaccurate. Please delete from my credit report. 


XXXX XXXX XXXX - XXXX - After reviewing my credit report, I found inaccuracies in the reporting of the charge-off account. Please verify the accuracy of the account details. If unable to verify, please delete the account from my credit report. 

XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report. 

XXXX XXXX  - XXXX - After reviewing my credit report, I found inaccuracies in the details of the collection account. Please verify the reported information. If unable to verify, delete this collection account from my credit report for accuracy. 

XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.
Product: Checking or savings account

I cash app my daughter {$16.00} on XX/XX/2023 @ XXXXXXXX XXXX She replied back with a love heart after she received the notification, but did not realize it was not showing in her account. 
I reached out to cashapp support around XXXXXXXX XXXX  and received a response from cashbot, it would be a 30 minute hold time. As of XXXXXXXX XXXX XX/XX/XXXX, no one has replied. 
This has been a behavior complaint mentioned throughout social media regarding cash app taking account holders money.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 Americollect Collections added to my credit report 4 collections in the amount of XXXX, XXXX, XXXX, and XXXX also, on XX/XX/2022 add one more collection in the amount of XXXX for a total of 5 collections. These collections have been added to all three of the credit bureaus. They have tried to reach me by phone several times after I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Student loan

I called EdFinancial multiple times in XXXX and XXXX but was met with ridiculously long wait times. Last week, around XX/XX/XXXX, I called and signed up for a call back, so I wouldn't have to wait on hold for multiple hundreds of minutes. They said the call back would hold my place in line. Then after signing up for it, the last thing the automated voice said was that it might take 24 hours, which seems to contradict the fact that it wouldn't de-prioritize my call and lose my place in line. It's been multiple business days so I still have not received a call back, an email, a text, or anything acknowledging they will be reaching out. I wouldn't be surprised if they fully dropped my request and if I did not keep trying to reach out if I would have ever gotten a call back. Now I am back to waiting on XXXX minute wait times on hold as clearly they do not adhere to callbacks and the information is inaccurate, unreliable, and contradictory. When I go through the chat option on their website, they send me a link that says it is connected to a live agent, and which I click that link to open the chat with the live agent, it turns out there is no live agent. I've attached a screenshot to the complaint in the file attachment section. I have yet to get in contact with someone from EdFinancial and it seems impossible at this point. Student loan payments can not resume if the servicers and organizers are unreachable gating necessary information and payback plans/options.
Product: Debt collection

I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It XXXX Concern, I am writing to file a formal complaint regarding an account that has been inaccurately re-reported by TransUnion after a previous investigation and deletion of the same account on XX/XX/year>. This account is being inaccurately reported only by TransUnion, while XXXX and XXXX have correctly excluded it from my credit report. 

This situation violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and completeness of the information they report. Specifically, I would like to bring attention to the following FCRA provisions : XXXX. Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The fact that TransUnion re-reported an account that was previously deleted after an investigation is a direct violation of this responsibility. 

XXXX. Section 1681i ( a ) ( XXXX ) ( A ) : Under this section, if a disputed item is found to be inaccurate or unverifiable during a reinvestigation, the credit reporting agency is required to promptly delete the item. Despite having already removed it after an investigation, TransUnion 's decision to re-report the account is contrary to this provision. 

XXXX. Section 1681c ( a ) ( XXXX ) : This section requires credit reporting agencies to exclude obsolete or unverifiable information from a consumer report. The account in question is unverifiable, as evidenced by the previous investigation, and neither XXXX nor XXXX are reporting it. 

TransUnion 's re-reporting of inaccurate information has caused undue harm to my credit score and financial well-being. Given that this account was previously removed, I am deeply concerned that TransUnion is failing to maintain the integrity of my credit report and ensure it complies with federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take action to ensure that TransUnion : XXXX. Permanently delete this account from my credit report. 

XXXX. Implements stronger procedures to ensure compliance with FCRAs accuracy and reinvestigation requirements. 

XXXX. Provides documentation confirming the deletion and steps to prevent future inaccuracies. 

Enclosed are the following documents for your review : A copy of my current credit report showing the re-reported account. 

Credit reports from XXXX and XXXX show no record of the account. 

Copies of correspondence between TransUnion and me regarding this issue. 


Thank you for your attention to this matter. I trust that your office will ensure a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hello, Recently I applied for the XXXX XXXX store credit card offered by Synchrony Bank. They denied my application because they can't verify my identity even though I have provided my government-issued DL they are still not taking that as evidence. This is ridiculous that they will not accept the government-issued, Do I have to provide a DNA test to confirm my Identity? I already have multiple accounts with synchrony so it should be an easy process for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXXRemoval DateXX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX County Magistrate Court partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE VIOLATED THE RULES OF THE LAW Pursuant to 15usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair and accurate. After looking through my consumer report I noticed that my report is inaccurate, and this inaccurate information is unfair for me because I was never notified of inaccurate information being furnished and I was never notified during this corporations initial investigation whether this information was true or not.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave mistake has undermined my confidence in your companies line of action, and because of this I will not be extending credit any longer and if this information is not removed, I no longer want my information reported in your companies records.

Pursuant to 15 usc 1681 ( a ) ( 2 ) Your corporation is a powerless elaborate mechanism. This mistake your company has caused has destroyed my reputation and this has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company has assumed this role. You were never given permission by me the consumer, so not only did you fail in the initial investigation for this information. You also assumed this role and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15usc 1681 ( a ) ( 4 ) You did not make sure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You were bias to one side of the story and never consulted with me to find out if this transaction actually took place. As a result of this my privacy has been breached and this is a violation of my right to privacy.

Pursuant to 15usc 1681i ( a ) This consumer reporting agency has been verifying most of my disputes with no proper investigation. What is the method of verification? The XXXXXXXX XXXX XXXX XXXXXXXX account on my consumer report is inaccurate because there is no witness to partake who was there during the transaction. In pursuant to 15usc 1681 ( e ) To have a proper investigative consumer report there has to be an individual who is being interviewed witnessing the transaction. I also need to know if this information being verified is factual information. I need all of the details knowing that I am involved in these investigations. If there is no individual that was interviewed, and the verification is inaccurate then this is fraud and this account must be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I received notices about a data breach twice ; in XXXX and in XXXX. The first one was from a former employer who sent a letter saying that the company information had been exposed in a data breach and to make an account with XXXX. Then in XXXX of XXXX I received a letter from XXXX XXXX  stating that my information may have been involved in a data breach. I have submitted disputes through XXXX  and equifax to remove certain things off of my credit and XXXX did not fully investigate. I noticed unfamiliar information on my credit report that appeared to be used by someone to gain employment.
Product: Debt collection

MS. XXXX said, i owe XXXX with XXXX XXXX XXXX but I already settled the amount with XXXX XXXX  XXXX. The amount i owed is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a payment of {$2500.00} to XXXX XXXX through PayPal for the completion of a XXXX website featuring dynamic animations and XXXX XXXX, which was agreed to be delivered within XXXX weeks. Despite multiple discussions and agreements, the seller only provided a single, unsatisfactory page design on XX/XX/year>. The design lacked the promised features and was significantly delayed. 

I contacted XXXX customer service on XX/XX/year>, prior to making the payment, to ensure I would be covered for a refund if the service was unsatisfactory. I was assured by a PayPal representative that I would be eligible for a refund in such a scenario. Despite providing all necessary documentation and evidence, my dispute with PayPal ( XXXX ID : XXXX ) was denied. 

I attempted to resolve the issue directly with XXXX XXXX through XXXX and XXXX, but the communications were deleted by the seller. I have submitted all available evidence, including email communications, the initial design submission, and the conversation with the PayPal representative, to support my claim. 

Actions taken by me : Contacted PayPal customer service on XX/XX/year>, for reassurance about refund eligibility. 
Paid {$2500.00} to XXXX XXXX on XX/XX/year>. 
Received an unsatisfactory single-page design on XX/XX/year>. 
Filed a dispute with PayPal ( XXXX ID : XXXX ). 
Provided all necessary documentation and evidence to PayPal. 
Attempted to resolve the issue directly with the seller via XXXX and XXXX. 
Actions taken by the company : Assured me of a refund eligibility by PayPal representative on XX/XX/year>. 
Received payment of {$2500.00} on XX/XX/year>. 
Delivered a single, unsatisfactory page design on XX/XX/year>. 
Denied my dispute and refund request. 
Despite following all necessary steps and providing substantial evidence, PayPal denied my dispute, leaving me without the promised service or a refund. I seek the CFPB 's assistance in resolving this issue and obtaining a refund for the undelivered service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but Experian refusing to allow me to do so. Please help me to result this issues. And because Experian reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX being in my report file and Experian on XX/XX/2022 and they reported that it was verified on XX/XX/2022. I was never given an explanation as to how it was verified. It continues to tarnish my credit report. XXXX nor XXXX is reporting this item on my report. I feel as though this is DEFAMATION of CHARACTER. If Experian can not show proof of this account, i am demanding that it be removed. 

Also, they updated information that was not part of my dispute. 

Report # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, P

ayPal incorrectly closed my personal and business accounts, as well as my wife 's. I am concerned that the closure was both based on false facts and discriminatory banking practices, and perhaps violated my legal rights. No information on the cause of the closure was provided. PayPal is holding my funds hostage for what they described as " up to 180 days '', with no explanation of how this timeline is to unfold. I have offered to provide evidence of all transactions. I have requested a forum to prove the activity as my own, and I explained that I have all accounting records to support the activity. I followed all limits set forth by PayPal in my load and withdrawal activity. I have had no history of negative transactions, charge backs, risky behavior, etc. To date, I have made numerous attempts from within the Paypal account in question to obtain information on how to withdraw any
remaining balances with no success. I have also called numerous times with no success. Per Paypal 's initial email on the above noted date, after the " 180 day hold period '', I would be provided with a follow up and instructions on how to remove my balance. They have failed to do uphold this portion of their own user agreement.
Product: Credit card or prepaid card

When I opened my XXXX store card I was unaware I was signed up for Synchrony Bankcard security services, the fees were not disclosed to me every month they charged my credit card an Average of $ XXXX plus the interested from my credit card in a year this company charged me over {$160.00} without my consent I recently called to cancel their service on XXXX XXXX, 2017, and I notice even after I cancelled this company still charged me and making the interest on my credit card go up even though I pay more than the minimum on my credit card!