23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

PayPal sided for the merchant because they gave PayPal a tracking number that showed that a package was delivered to my Zip Code. I never received it. I went to USPS Office and the Post Master gave me a USPS TRACKING INTRANET report that shows that the package with that tracking number was delivered to a different address in my Zip Code. Now PayPal writes it was a professionally service paid in person and their policy doesnt allow them to refund those kind of services. I have photos of my purchase to prove it was items and not services and paid on line- not in person. The merchant wont respond to any of my emails. PayPal has closed my case and wont let me appeal it. PayPal wont refund my credit card for the items I never received. 
Dates /amounts on attachments. 
I did get a temporary credit but PayPal reversed it on my credit card even though I never received the items. I gave all this information to PayPal but they wont change their decision even though I have proof from the USPS that something was delivered to a different address.
Product: Debt collection

Company kept calling saying a debt was mine when I never had this debt at all that is being claimed I owe as well as reasoning for natural disaster is a lie! I do not have a natural disaster going on where I live and this debt isnt mine! They kept calling harassing me and insisting it was.
Product: Student loan

I tried Navient 's customer service hotline, but they do not work on Saturdays. My prior bills showed some unpaid fees that are been carried over to the next billing cycle, mostly late fees incurred during the processing of prior IBRs. When I paid in XX/XX/XXXX, I included the total amount due on the billing statement, including the carried over unpaid fees. The amount paid reflected the EXACT total amount due in the bill. To my unpleasant surprise, the bill for XXXX payment was for the exact same amount of the bill for XXXX statement, showing the " unpaid fees '' like they were never paid. How did they apply the payment? I do not know. But I remember something similar happened to my elderly dad with a mortgage loan. When he went to inquire about the payoff of his mortgage, he was told that all of his advanced payments were unilaterally applied to interest. Someone needs to look at these unfair practices. The intent of my payment was pretty obvious. It was made for the TOTAL AMOUNT DUE indicated in the bill. I am hoping to get someone in CFPB to look at this because there may be other people affected. I am on an IBR. By them not applying my payments accurately to the total amount due, they are effectively over-billing for an amount that is almost double the monthly payment as per the approved IBR. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXXXXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 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 a account without my written consent.
Product: Debt collection

Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. 
I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.
Product: Bank account or service

My issue is with Syncronybank, issuer of CareCredit. I have set up all my payments account via online. Not realizing I gave my credit card number, which expires instead of giving my checking account number. In XX/XX/2016 my banking card number was changed. As a result no payments were sent, thus rendering my account 'late ' with late fees. In the meantime I was having a hard time getting thru to CARECREDIT.com to make my payments. I found myself going into a loop with referring me to Syncronybank. The time of day I would attempt to get on site to handle my business appeared to be after hours. With long wait periods or speaking with someone where I encountered communications barriers. The Syncrony Bank XXXX. XXXX Representative and Number goes directly to XXXX and not a XXXX call center unless XXXX request XXXX call center. Or long waits and no one on the other end so that I can correct and set up my payments. I attributed this to after hours so I would attempt to come back and handle my business at another time. In the meantime, I have no access to my account on line to make any correction/updates. Once I 've gottan thru to Syncrony Bank their only order of business is to get their payments and will not assist in my obtaining access to my account so that I may set up my payments. In the meantime I also received a new CareCredit number and I was not able to set up my new account. 
I received a statement in the mail, where I 've set up all my accounts to be paperless and receive my current statement and notification when payment is due and received. They were not able to assit me in setting up my new account until payment was made. They will not wave the XXXX or XXXX late fees but did adjust the XXXX late fee of {$37.00}. My balance without the late fees is {$71.00} and I was willing to make the payment in full once they would adjust the XXXX and XXXX. The supervisor refused to dismiss the XXXX & XXXX late fees. The fact that I have not been unable to get into my account and make the update was of no concern and would not take this into consideration.
Product: Debt collection

It is so unfortunate in XXXX we have companies that can affect our lives because of their ability to put things on our credit without our knowledge. Good credit is required for a lot of our jobs and each and every American should have the right to know if an entity is reporting negative credit about them. Upon looking at my credit report yesterday, XXXX XXXX, I was appalled to see XXXX report that a Blakely-Witt & Assoc. had a {$430.00} item listed for XXXX XXXX XXXX XXXX. I telephoned Blakey-Witt & Assoc this morning and was told this was for rent and late fees for a rental property I resided in from XXXX XXXX - XXXX XXXX. I asked gentleman for his name but he was not willing to spell for me as I could not understand what he was saying. He was very rude. I DO NOT OWE rent as it was paid in full in XXXX XXXX when I vacated the property. If any late fees are due, NO ONE has contacted me about them. I was told by XXXX ( leasing Agent - not sure of her last name ) they would accept my {$900.00} deposit as my last month 's rent & that all was good because the property owner was selling the house. By the way, this is the only reason I had to leave ( The property owner asked if I wanted to purchase, but I was in between jobs and could not afford at that time ). She also instructed me there was no need to clean. However, because of my own self -pride, the property was left in immaculate conditions. I would like to have this removed from my credit report immediately. Credit is something I take very seriously as I am in the process of securing a Security Clearance for my job. I am asking someone to PLEASE look into this ASAP. Thanks in advance.
Product: Credit reporting or other personal consumer reports

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

In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The sales representative doing a phone call stated a false claim or misleading information. He stated that their company do not report to credit bureaus if balance is not paid if client were not able to make a payment. He stated they are here to fix clients credit and not damage them. I did not pay for service because I was misinformed. Call was recorded.
Product: Debt collection

I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS
Product: Vehicle loan or lease

The car was financed in 2018. The broker assigned the loan soon after. I submitted papers with CFPB and Consumer Portfolio Services stating the Title 15 code violations committed by Consumer Portfolio Services. I am the creditor and lender of the loan. I have listed the abusive practices and alleged conspiracies to done to me. Abusive debt collection practices, willfully accepting assignment of a loan, property and security. In a Consumer Credit Transaction Consumer Portfolio Services committed forms of identify theft by falsely claiming and assuming vital roles as the creditor, lender and beneficiary and Trustee. I am the creditor, and lender of these funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2024 RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( 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.

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

15 USC 1681 a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX 15 U.S Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel. Insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The current personal information being furnished is inaccurate, not relevant out dated information.

15 U.S Code 1681 ( e ) - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately.

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Sincerely XXXX XXXX XXXX
Product: Credit card

XX/XX/year> - Deposit Made for order XXXX XX/XX/year> - Requested XXXX  change from lease to finance via text and voice call. Was instructed to go to the dealership to make the change XX/XX/year> - Went to the dealership to make the change. The sales person helped cancel the order at their location and told me to place a new order. New order number XXXX XX/XX/year> - Reached out regarding refund. No response. Called customer service number atXXXX. Automated message and tried to leave a voicemail but the mailbox was full. 
Ongoing - Tried several message and phone calls with no response from XXXX. 
XX/XX/year> - I reached out the credit card company for help and they provided a conditional refund for the disputed charges. 
XX/XX/year> - Received a letter from credit card company denying my disputed charge saying the deposit was non-refundable.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Discharged Date Filed XX/XX/year> Docket Identifier XXXX
Product: Debt collection

Attempt to collect debt which is not owed and continues to sell information to third parties which is not truly owed Fair Debt Collection Practices Act ( FDCPA ) : This U.S. federal law prohibits debt collectors from engaging in abusive or deceptive practices. It also requires collectors to inform consumers when a debt is time-barred if they attempt to sue or take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX and XXXX a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.
Product: Credit reporting or other personal consumer reports

CFPB, this company CSC Credit Services Disputes Now that CSC is a part of XXXX, your XXXX credit report disputes will be reported to them. This company CSC should know the rules, regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, XXXX  and Experian to have the late payments removed. I have disputed with XXXX, Experian and XXXX  and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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 reporting or other personal consumer reports

CONSUMER ... XXXX XXXX, PRIVATE SSN XXXX, PRIVATE DOB XX/XX/XXXX. Contents of complaint. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts open at XXXX on XX/XX/XXXXXXXX  under the account number ( private ), an auto loan account opened at XXXX XXXX  opened XXXX XXXXnunder the account ( private ), a personal loan account opened at XXXX on XX/XX/XXXXXXXX  under the account number ( private ), a Collections real estate loan opened at XXXX XXXX opened XX/XX/XXXXXXXX   under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX