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

Experian XXXX and XXXX has failed to provide any documentation from the investigation.After checking my credit report on XX/XX/year> I have found the three credit bureaus mentioned to be in violation of several of my rights. XXXX  XXXX  XXXX XXXX XXXX account is stated as opened on XXXX XXXX account is reporting aa a charge off collection with a balance of {$1200.00}. It also shows the highest balance as being {$1400.00}. This cant be true because I never made any payment towards any balance. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. I also believe this company can not provide validation Of the debt being reported. This information is also not true, accurate or fair as it is reporting invalid email, address, phone number, and balance under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). It is the responsibility of the credit bureaus to make sure the information being reported 100 % true and accurate. This is not fair and is causing great stress and problems in my life.Equifax, XXXX, Experian please stop violating my right to privacy and discontinue any involvement with XXXX  XXXX XXXX XXXX pertaining to my credit report and non public personal information.
Product: Credit reporting

Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to correct inaccurate information in regards of my name in XX/XX/XXXX. I received no response back from the 3 credit bureaus. I also sent a letter in XX/XX/XXXX in the same regards. I noticed in XX/XX/XXXX that there was inaccurate information in regards of inquires as well as a charge off on my report that was wrong. I sent in letters in regards of my TransUnion, and XXXX on XX/XX/XXXX. I have not received a response in regards to the investigation results. I ask that all inaccurate information be removed. The credit agencies have not responded in the time allowed.
Product: Credit reporting or other personal consumer reports

Due to the huge data breach my accounts have all been altered and my credit score has been lowered, I dont own all of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car thru XXXX XXXX XXXX. When I purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called XXXX XX/XX/XXXX XXXX my finance XXXX XXXX XXXX XXXX XXXX company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Protection is reporting a collection account to XXXX and XXXX in the amount of {$170.00} this account is nor mine. I have been disputing this account for a long time XXXX   delete the account from my credit report. I need them to remove/delete this account from my credit report.
Product: Money transfer, virtual currency, or money service

I had been using XXXX connected to my PNC account for years, but now all out of a sudden PNC decided to disconnect the service. It might be because PNC recently launched the PNC Pay service to compete with XXXX and others. Very unfair.
Product: Checking or savings account

I opened my checking and savings account with BMO in XXXX XXXX. I opened with a special offer of {$300.00} bonus for checking account and {$200.00} for the savings. I have been inquiring about the bonuses for months, only to be told to wait. Now I did not get the bonus and this was escalated to the marketing department under Ticket XXXX and I was told the type of savings account I opened was ineligible. This is infuriating as I had no say in what type of account was needed, I was not given a confirmation of the bonus or any other documentation at account opening about the requirements. I want this escalated and I feel that there is no reason I am not awarded the {$200.00} bonus.
Product: Credit reporting

On XX/XX/2016 I started my dispute with Trans Union regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Trans Union to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, identification verification, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Product: Mortgage

i was paying my mortage on time through in my cradit report XX/XX/XXXX XX/XX/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed formal separate disputes via certified mail to Experian regarding inaccurate information on the following accounts : 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 Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian was legally required to investigate and respond within 30 days, but they failed to do so. On XX/XX/XXXX, Experian responded only to my XXXX XXXX XXXXXXXX dispute, stating that the information had been updated, yet failing to meet the legal requirements for a proper reinvestigation as they did not provide verification or address my specific concerns. On XX/XX/XXXX, Experian responded to my dispute regarding XXXX XXXX  XXXX XXXX ( # XXXX ) but again failed to provide proper verification or supporting documentation. Experian has entirely ignored my disputes regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violating the 30-day response requirement. In response to their noncompliance, on XX/XX/XXXX, I sent follow-up letters requesting proper investigations into XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and a separate demand that Experian address the five remaining accounts they failed to investigate. As of today, Experian has not responded to my follow-up letters or completed the required investigations from my original disputes dated XX/XX/XXXX. Their negligence and willful noncompliance with the FCRA continue to harm my financial standing by negatively impacting my creditworthiness and limiting my ability to obtain financing. I have attached all seven dispute letters mailed on XX/XX/XXXX, Experians responses dated XX/XX/XXXX, and XX/XX/XXXX, my follow-up dispute letters from XX/XX/XXXX, and the latest Experian Consumer Report obtained via XXXX as supporting evidence. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians repeated violations and enforce their legal obligations under the FCRA. Thank you.
Product: Checking or savings account

My XXXX XXXX XXXX   was hacked recently by two phone numbers : XXXX XXXX Both have been traced to a XXXX XXXX. There's a police report in XXXX  and one filed in XXXX, where I live. This individual has had access to my bank information, credit card, photos, messages, and private details for over a month, according to Apple. 

While dealing with the charges made w/o permission on my Apple Goldman Sachs Card , Goldman Sachs proceeded to remove over XXXX XXXX from my XXXX Checking Account on Wednesday, XX/XX/XXXX. It was only returned after I put a stop payment on it. 

The following day, Thursday, I woke up and saw I was missing {$880.00}. The charge came from XXXX XXXX. All my credit cards ( except for the Apple/Goldman Sachs card ) are in debt consolidation. I was forced to call again and ask for a stop payment ( again with a fee. ) I never approved either transaction, nor did I receive a notification from any of the institutions letting me know I have been told this is against the law. I reached out to XXXX XXXX XXXX and reported both as fraudulent charges as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in a letter to TransUnion. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. I then went back to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of the year XXXX.I also filed a company and it came back. This information has not been verified because its no where to be found to verify it. This information is false on my credit report. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report within 30 days. This is my second time complaining with you all. I need some investigation done for me on this. I have a letter from the court a well and they do not give this information. I need proof from how this is verified or it needs to be deleted immediately
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle 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 finding that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of this inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

I am being made responsible for a fraudulent transaction on my account. A close relative with my personal passcode information gained access to my phone and purchased tickets under my name and arm account without my permission. They had previously requested for me to do this for them but I declined. XXXX : XXXX for {$1300.00}. Please find an ID theft report enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Product: Student loan

I went to school on line that was in XXXX, Illinois. At the time I talked with them I informed them that I couldn't afford college because I was on limited income and retired. They kept telling me to stay with the program and that I wouldn't have anything to worry about. After 2yrs, my loan was {$20000.00} and now it is {$28000.00} which I c n't afford to pay back. I am at my wits end because I want this off of my credit report.My loan started back in XX/XX/2009. I have tried forebearance twice but again no one told me that my interest rate would keep going up. Please can someone help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a {$1500.00} transfer from my PayPal account to my bank account ending in XXXX. After deducting the {$35.00} PayPal fee, the transfer amount was {$1400.00}. Despite PayPals promise of a maximum 7-day transfer to bank period, it has now been 12 days, and the funds still havent reached my bank account. 

PayPal provided me with an 18-digit ARN number last Friday. However, as it was an ACH transfer, this number is not useful for tracing the funds. My bank has informed me that they require an ACH Trace ID, which PayPal has not provided. 

I am extremely concerned and frustrated by this delay and the lack of a proper trace ID to resolve the issue. I urgently request that PayPal provide the necessary ACH Trace ID so my bank can locate the funds. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I had problems for years with being constantly charged fees for funds I had applied to my account. The app or online with state XXXX thing and you bring your account current just to be told will our time is different or the app is not at the timing of what is shown on our end
Product: Credit reporting or other personal consumer reports

XXXX XXXX is paid in full with XXXX. Was disputed last year and corrected. Company is now reporting incorrect information Of balance that is a violation of FTC act and Federal Truth In credit reporting act. 

In addition, my credit report have hard inquiries unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest as I was told it was a soft look with No Impact. They sent additional hard pull unauthorized to several banks which is reflected by the three credit bureaus.
Product: Credit reporting or other personal consumer reports

by XX/XX/XXXX i just check my credit report on the diference agencys and i saw, some of my personal informartion are incorrect or innacurate.. and i have some negative accounts report in my report too. i submit letters and documents to validate the agencys are wrong..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Original balance {$1400.00} Highest balance Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The original amount of this account was {$1400.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting

I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to Equifax, XXXX  and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Product: Credit card

We booked a stay with a resort in XXXX that gave a quote in US dollars and all terms and conditions were provided in US dollars. Once we arrived at the hotel, they would n't honor the US dollar rate and would only process the transaction in the pesos. This led to both a higher than quoted rate as well as an additional foreign transaction fee which Chase has been unsupportive in resolving.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, EOS CCA, XXXX XXXX XXXX XXXX, MA 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant because Equifax And XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.
Product: Student loan

American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.