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

I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where XXXX XXXX XXXX XXXX  I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX  I sent my girlfriend XXXX XXXX XXXX dollar through XXXX, so she could withdraw because I was at work. She didnt withdraw the money for a reason and sent me back XXXX $ on the same day at around XXXX XXXX. The money didnt get deposited and I got an email saying it was successfully deposited then I checked the navy federal app and it had not been deposited. So I called customer support and the girl told me if it wasnt deposited the next morning to call customer support again to work it out. It was not deposited the next morning on XX/XX/XXXX so I called customer support again, and talked to a girl that said the money was showing as deposited I explained it was never deposited and I asked to speak to a supervisor. When o spoke to the manager, he had a really bad attitude from the start and didnt try to help me he just told me that it was in the system as deposited and he told me you probably just spent all your money or something to that extent. I told him he was rude and not trying to help me and he didnt even want to hear my explanation. He didnt want to listen and he said I could never get the audio recording. I have proof that navy federal made a mistake and didnt deposit the payment from XXXX XXXX In the app its backwards and I have the proof in screenshots and emails. I visited navy federal on XX/XX/XXXX seeking to fix the error made by navy federal, after this I go to CFPB and I will file a lawsuit for theft.also in the process they changed the running balance from XXXX dollars on XX/XX/XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Account Number XXXX XXXX {$160.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. They are not even giving me any idea on what is happening. They just say we are shutting your account down. I am not sure if this is some mistake as I assume it has to be I have followed all rules and regulations. I have been using Paypal for years with no issues and now I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. The large to me amount of money in my account is used for me to live on a daily bases and this is crippling me and my family 's well being. If Paypal wants to not let me use there platform any more that is there choice but they will not let me get my money out at this time. 

My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted confirmation of payment on accounts listed unpaid on my credit to Equifax, XXXX and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, FCBA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit reporting or other personal consumer reports

I contacted the court to conduct an investigation on if they sent the bankruptcy information to the credit reporting agency. To my surprise the court sent a letter saying they have not sent any information to any credit reporting agency at all. Experian made a claim that the information received came from the court. This information is not true at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union sent me a 66-page credit report, intentionally difficult to read and hard to follow. This is done to confuse the consumer and complicate the review of the report. 

I submitted a dispute because Trans Union is not reporting me accurately. My score is only XXXX here, but XXXX and XXXX and XXXX and XXXX. Upon further investigation, I saw that Trans Union has my old XXXX XXXX XXXX XXXX loan account listed as adverse. 

It is not adverse. I always paid as agreed, on time. Not only is is mistakenly listed as adverse, it is marked for removal on XX/XX/XXXX -- or was. When I filed the first dispute, and received the result, they refused to change the status from adverse to satisfactory PLUS they extended the time for removal to XXXX. It has already been on there for more 7 years since XX/XX/XXXX. I didnt realize this adverse designation when I previously reviewed the report. 

I want this mischaracterization fixed. I paid on time throughout the life of the loan. Also, they claimed to have investigated this. Hard to believe the investigation was completed so quickly. Id require proof of this. I want to see what theyre seeing in this investigation. My payments were on time. 

I tried to file a second dispute, and they wouldnt let me. I cant find it on the site. I received no email like I did for the first dispute, saying an investigation is underway. Also the site is deliberately difficult to navigate. Whenever you go to a tab, it logs you out and you have to repeatedly enter your password and username to get back onto the site. This happens constantly. 

I also submitted a form to Trans Union to discuss this with someone. No one bothered to respond. 

I want this moved to satisfactory, in which case there will be no incorrect scheduled " removal date. '' This designation is adversely affecting my ability to get good loan rates. 

They should not be permitted to give the consumer a 66-page credit report, either.
Product: Debt collection

I do not owe a XXXX bill. I have an open account with them now and have had same account for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX account # XXXX, XXXX XXXX BANK XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

We have filed a legal dispute with a timeshare company, XXXX XXXX XXXX ( XXXX  ), since XX/XX/XXXX, for fraudulently induced timeshare agreements on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,. As of this date, XXXX has ignored all correspondence to Cease & Desist collection attempts and have made no attempts to resolve the issue allowing us to be released from the agreements. 
The accounts have been turned over to their XXXX XXXX, XXXX XXXX XXXX ( XXXX ), who in turn reported it to the credit bureau, Experian. This reporting has caused our credit score to tank. Experian is now reporting the accounts as closed with foreclosure proceedings started. 
It is our understanding that under the laws of the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX ( XXXX XXXX XXXX ) is unable to place derogatory credit information on their credit bureaus during this active dispute. In addition, any and all third-party collection and reporting activity is forbidden by the Fair Debt Collection Practices Act ( FDCPA ) of the Federal Trade Commission ( FTC ). 
We have repeatedly notified XXXX ( XXXX XXXX XXXX ) and Experian of their illegal activities and nothing has changed. 
We would like to have the money that we have paid into these agreements refunded and the derogatory credit reporting be removed.
Product: Vehicle loan or lease

Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account. 

I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX  XXXX XXXX {$7800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX  XXXX XXXX {$7800.00}.
Product: Debt collection

This account has been disputed 3 times. Twice with XXXX and once with XXXX. Each time it was concluded that I do not owe XXXX. I gave them notification that I want to close my account and they continue to charge me after I have transferred to a different company and my phone numbers were ported. I highly recommend credit collection companies should go and find a better job to do instead of buying debt at a lower rate and coersing people to pay without having any background knowledge of what transpired between the company and the individual. Also, government need to institute a stricter rule against credit collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a dispute to equifax for fraudulent {$95.00} derogatory mark from XXXX XXXX XXXX XX/XX/XXXX Spoke with XXXX via live chat to the status of that dispute. Was told to contact Customer Services Team XXXX XXXX to XXXX in my time zone. 
XX/XX/XXXX Sent another Inquiry to XXXXXXXXXXXX as to the status of my dispute XX/XX/XXXX received email from Customer Care telling me to contact Consumer Services team XXXX I then called that number and spoke with XXXX. A horrible XXXX on wheels ( sorry, but she is ). Told me it had been verified and belonged to me. I told her that was impossible. As I had called the " original creditor XXXX '' and they could find no record of this debt. 
XX/XX/XXXX Equifax sent me a letter stating the requested the reporting company verify the accuracy of the information that I disputed. 
XX/XX/XXXX Called Equifax, waited on hold for nearly an hour. When a horrible XXXX ( sorry seems to be typical employee ) said " WHAT DO YOU WANT? '' And when I did n't answer her immediately she hung up on me. 
XX/XX/XXXX I then called XXXX XXXX XXXX and spoke with XXXX. I told him I have no {$95.00} debt with XXXX and filed a dispute. XXXX said they would contact XXXX and I would have results in 2 weeks.

This derogatory mark is still on my EQUIFAX report. It says it is disputed by consumer, pending and I should have the results soon.

Honestly. 7 months is ridiculous. WAY past the 30 day mark. 

Is EQUIFAX receiving " kickbacks '' for " questionable '' ethics? PLEASE demand they conduct themselves in the same standard as XXXX XXXX or excuse themselves from credit reporting
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite providing sufficient evidence to support my disputes, Experian has failed to correct or remove inaccurate or unverifiable accounts, leaving these issues unresolved and continuing to harm my credit standing. 
My experience aligns with the allegations recently highlighted in the CFPBs lawsuit against Experian, which details systemic issues including : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures are evident in my case, as Experian has neither addressed my concerns nor provided any indication that a thorough reinvestigation was conducted. This lack of action violates my rights as a consumer under federal law and undermines trust in the credit reporting system. 
I respectfully request that the CFPB take action to ensure Experian complies with the FCRA and promptly removes or amends the disputed accounts as required. Experians ongoing noncompliance has caused significant and unnecessary harm, and I urge swift corrective measures to prevent further consumer harm. 
Thank you for your attention to this matter. I look forward to your response and any updates on steps being taken to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 disputes with Equifax over the past 3 months. Each investigation led to Equifax updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. Equifax says the creditor confirms this is accurate but how can this be the case if another bureau XXXX XXXX  XXXX has deleted the collection per my request with their investigation and conversation with the creditor?
Product: Debt collection

Complete Credit Solutions is charging me {$2000.00} from a place called purchasing power I never did visit with them. I dont anything about them, never do business with the people whatsoever ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$860.00}.