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

I am filing a complaint against Experian. I notified Experian on XXXX occasions that fraudulent information was on my credit report and they refused to remove the derogatory information from my credit report. The reporting agency is XXXX XXXX XXXX. I notified Experian on XX/XX/year>, that this account was incorrectly being reported on my credit report. I was advised to file a dispute. I filed a dispute XXXX on XX/XX/year>. I was told by Experian that they have to allow XXXX XXXX XXXX 30 days to respond. On XX/XX/year> I received a notification from Experian that the account was accurate. On XX/XX/year>. I contacted Experian and I asked to be transferred to the dispute department. I ask the representative how this account could be reported as accurate on my credit report when the account is not accurate. I request the supporting evidence that XXXX XXXX XXXX provided to Experian. Experian stated that the company did not provide any type of verification or evidence that the account was accurate. I was confused at this point because I was under the impression that a collection agency must verify a debt. The Experian representative stated that all XXXX XXXX XXXX has to say is that the information that is being placed on my credit report is accurate and the derogatory remark will remain. 

I requested to speak to a supervisor and I informed the supervisor at Experian that XXXX of their representatives just informed me that the collection agency does not have to verify the debt that they are placing on my credit report. All the collection agency has to do is verbally tell Experian that the debt is accurate and the debt will remain on my credit report as accurate. The supervisor informed me that the information that I received from the previous Experian representative is true. 

So basically a collection agency can XXXX  and say that I owe a debt and they can place derogatory information on my credit report as long as the collection verbally tells Experian that the information is true without actually verifying the debt. I filed a second dispute on this on XX/XX/year> on this same account. This dispute is currently pending. This information has been on my credit report for almost 60 days and has destroyed my credit. I want the derogatory information removed from my credit file. 

I am requesting the help of the CFPB to investigate this matter.
Product: Credit reporting or other personal consumer reports

I am disputing the completeness and accuracy of the Sun loan Company account with the account number XXXX. I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the Payment History and the High Credit amount is/are reporting inaccurately/incompletely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit my third CFPB complaint concerning the remaining fraudulent inquiries in my XXXX and Equifax Credit Reports. While I commend XXXX for promptly removing all the fraudulent inquiries I specified, I am deeply dissatisfied with the lack of action taken by XXXX and Equifax. Regarding XXXX, I appreciate that two out of the six listed fraudulent inquiries were removed from my credit report. However, there are still four more inquiries that require immediate attention for complete removal. As for Equifax, not a single one of the listed fraudulent inquiries has been addressed, and to my dismay, I recently discovered a new fraudulent inquiry added to my report on XX/XX/XXXX. This ongoing issue has caused considerable distress and financial strain, as it continues to impact my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate and respond to consumer disputes within 30 days. Regrettably, it has now been several months since I initially raised these concerns, and I have yet to receive a satisfactory resolution. This delay is unacceptable, and I have suffered significant financial repercussions as a result. I kindly request that XXXX and Equifax take immediate action to remove the following listed inquiries from my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX 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 reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Caine & Weiner. This company is in clear violation of the following and these debts should be removed immediately. The creditor did not verify the debt. I am exercising my right under the Fair Credit Reporting Act, Section 609, and requested information regarding items that are listed on my consumer credit report. The creditor did not respond within a reasonable amount of time nor provided me with a copy of my signature with the provider of service where I authorized a release of my information to Caine & Weine in the amount of {$640.00}. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature which has not been sent from this creditor. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt which has yet been sent. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. This company was unable to verify the account with the original contract, and the information should be removed Immediately!!!!
Product: Debt collection

A separate party ( no relation to me ) and myself are signers on an auto loan with BBVA Compass. I only singed the loan to assist this person. This person has not paid the payment for 74 days. The bank calls me multiple times a day even after I have repeatedly informed them that I do not have possession of the car and that the person driving the car ( which is supposed to be paying for it also ) has placed a protection order against me until XXXX XXXX when we will be in court to fix that issue. After that, I told the bank ( BBVA Compass ), that I would be attempting to recover the car so I could perform a voluntary surrender of the vehicle to them and later attempt to fix the remaining balance. No matter what I tell them or how many times I answer the phone, all they ever do is ask for payment. When I try to talk to them, they just talk over me and will not let me talk, simply stating, " Do you have your bank account information ready for payment? " .. even if I ask them to stop talking and listen to me, they continue to ask for payment. It is enough to drive a person crazy. I understand if I did not answer and they did not have any information. I am trying to inform them of what is happening but it seems they do not notate the account and call me every day multiple times a day regardless of any information I give them. Now when they call, my skin crawls and if I answer I end up getting very upset. I feel like they are harassing me since I am trying to communicate with them but they just keep calling for payment as if they had never talked to me.
Product: Money transfer, virtual currency, or money service

My company was acquired by XXXX last year and the relationship with my former 401K carrier ( XXXX ) was being terminated this year, forcing me to transfer my 401K funds. I chose to directly roll the 401K ( approx $ XXXX ) into my new XXXX 401K account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. I received the paper check, added the necessary rollover paperwork, and mailed it all ( USPS ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXXXXXX XXXX The check, issued by Chase bank, was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. We submitted a Declaration of Unauthorized Endorsement to XXXX and their bank ( Chase ) the week of XX/XX/XXXX. I understand their fraud division opened a case with XXXX XXXX XXXXXXXX the same week. I spoke with the police on XX/XX/28 to open a report and filed a complaint with the USPS the same day. XXXX/Chases fraud department is in contact with XXXX XXXX XXXXXXXX , yet Chase is refusing to return my funds despite acknowledging that the check cashed was fraudulent. This is all happening because I was forced to do this transfer through via paper check, so while XXXX is ultimately responsible, XXXX/Chase should return my funds to me while this is sorted out with XXXX XXXX XXXXXXXX XXXX
Product: Student loan

XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.
Product: Credit card or prepaid card

I had noticed I had a fraudulent charge a total of {$3900.00}. The date the transaction happened was XX/XX/2020. I had reported it and they put a fraudulent claim in. But after a month they declined it saying it was me. I believe they did not do any investigation. I had called back and they said I need to get a police report to file a new one. So I went to the police station and try to get a police report. The police station said I need a affidavit from the bank to file a report so I went to the bank to get one. When I went to chase bank on XXXX XXXX and XXXX XXXX and ask they said that they dont have an affidavit for credit card and it look like they werent trying to help me and tried to turn me away saying they cant do anything and saying that the manager is in a meeting. I tried to explain to them that I needed it for a police report that they asked for but they seem like they didnt care. Make me think is the bank even safe if they dont even want to do anything to help.
Product: Credit reporting or other personal consumer reports

XXXX : Immediate Action Required : Dispute of Inaccurate Charge-Off and Late Payments XXXX Account # XXXX Dear Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX I am writing to formally dispute the inaccurate charge-off and late payment entries reported by XXXX for my account ( Account XXXX : XXXX ), which currently reflects a balance of {$730.00}. These negative entries are erroneous and must be immediately removed from my credit report. 

This charge-off and associated late payments are unjustified. Despite multiple attempts to resolve this issue directly with XXXX, they have failed to correct the record and continue to report this damaging and false information. The charge-off and late payment entries do not reflect the true status of my account, and I demand that they be removed without delay. 

The incorrect reporting of this charge-off and late payments has caused substantial harm to my XXXX XXXX and financial reputation. The persistent refusal of XXXX to correct this error only exacerbates the damage, and I will not tolerate such blatant inaccuracies on my credit report. 

I am requesting that you investigate this issue immediately and take the necessary action to ensure that XXXX promptly removes both the charge-off and late payment entries from my credit file. The reporting of this incorrect information is a violation of my consumer rights, and I expect a full resolution within the required timeframe. 

Please confirm receipt of this dispute and provide a timeline for resolution. If necessary, I am prepared to escalate this matter legally, and I will hold all responsible parties accountable for any further damage caused to my credit. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX This version is direct and firm, expressing urgency and demanding immediate action while stressing the harm caused by the inaccurate reporting. Make sure to attach any relevant documents supporting your claim.
Product: Credit reporting or other personal consumer reports

On going issue with all 3 credit reporting agencies I feel discriminated upon targeted to stay stagnated. I have reported and frozen and alerted my credit XXXX of fraud and experian even breached my information. I have a supposed credit monitoring added to help but nothing has helped or been done I have disputed my soft inquiries and hard and most remain I mean one company is reported on my soft inquiries at the least 25 times to keep my score down. I have already explained that after my no which is also reported wrong it states I claimed no because of business failure which is incorrect and they know this and still report it. An account which was prepaid and never late is being reported as negative and I have reported this for years and still there and disputed the inconsistencies of wrong amounts reported negative and still reporting. I want a federal investigation as to how I and am sure many others are being oppressed by these reports and misinformation I would like it removed and rescored immediate action taken I only keep receiving letters for me to verify my information when I have asked them to verify with each company to provide the proof given to them to be able to even run my credit when I know no identity information proof was given because I havent applied for anything
Product: Debt collection

There is an account listed on my report from Sunrise Credit Services for {$250.00} opened on XX/XX/2022 and lists an original creditor as XXXX XXXX. I have no idea what this account is for, how old the debt is, where the debt came from, who authorized that debt, I have nothing. I never received anything in the mail from these people with an itemized list of this debt, nothing. I disputed it with the credit retailers ( all three of them ) and they have allowed this to remain on my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues! Dispite using Zelle numerous amount of times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings prove that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am not an attorney. This description is in reference to my own personal experience that I've had with ERC and how they have failed to uphold the FDCPA. ERC attained my location information without my permission and contacted me at a time that was inconvenient to me to threaten to take action against me that would be a detriment to my reputation and livelihood by furnishing false and negative information on my consumer report. I assumed the vital role of my life and requested a Debt Validation from ERC sent on XX/XX/2021. It was received by them on XX/XX/2021. After 160 days, I still have not received any of the documentation I requested to have the alleged debt validated. They were supposed to respond within 30 days of receipt. They, instead, called me and used obscene language to attempt to get me to pay an alleged debt they say I owe, but refuse to validate, and claimed that the FDCPA did not apply to their company making statements like " we don't need your information to furnish items on your report and never get permission before we do ''. They continued to harass me by sending me mail to my address without my permission. In this mail, is the logo of the debt collection company, mischaracterized balances meant to mislead me, several instances of threats, and several instances of obscene language. I've had an official Affidavit of Truth notarized and sent to ERC outlining the ways they've violated me that they have also failed to acknowledge. This leads me to believe that they are well aware of the ways they have violated me and agree that what I have just described is entirely true as they continue to willfully violate my rights by avoiding my specified remedy.
Product: Credit reporting or other personal consumer reports

My complaint is against Equifax. 

Each time I attempt to log in to the online portal, I am denied access, forcing me to call in for assistance. During these calls, I am again asked to provide the same sensitive information, which raises concerns about the security and efficiency of your verification system. This repetitive process is not only time-consuming but also frustrating, as it hinders my ability to manage my account effectively. 

I understand the importance of security, but this level of redundancy is unnecessary and seems to indicate a failure in their system. I respectfully request that they address this issue promptly, as it is causing undue stress and inconvenience. 

The representative I spoke with today, XXXX, said that since I was refusing to provide my documents ( for the 3rd time ) that he could not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX
Product: Credit reporting

Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic refund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was stunned to discover inaccurate accounts on my credit report this morning, and I have no clue how they got there. I routinely check my report, but this time, out of nowhere, there were discrepancies. I even refreshed my browser, hoping it was a technical glitch, but the inaccurate accounts remained. Im deeply concerned and request that the documents Ive submitted are thoroughly reviewed so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX  XXXX XXXX, 2022 XXXX  XXXX. XXXX, 2022 XXXX XXXX. XXXX, 2022 It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 


Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these inquires immediately.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXXXXXX XXXX  XXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required