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

I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 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 Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, remove, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$800.00}
Product: Credit card or prepaid card

My name is XXXX XXXX Citi premier card # XXXX XXXX XXXX XXXX I called and cancelled my membership around end of XXXX or Beginning of XX/XX/XXXX,  then received an email stated I have a balance unpaid .... I checked my account, {$95.00} membership fee was not credited back to my account .... 

I called them XX/XX/XXXX to resolve this problem since I cancelled the membership already, they told me OK. 

I received another email showing account balance {$15.00}, I called again and they told me they credited membership fee " prorated '' .... that was not acceptable since I cancelled the membership ON TIME and they DID NOT PROCESS MY ORDER OF CANCELLATION! 

They need to correct this mistake immediately by credit this {$15.00} back to this my closed account!
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 of complying 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 failed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Complaint Description : I paid off my student loan in full that is from 2004! Well past the 7 year minimum for reporting on my credit. When I call XXXX or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from 2004 ( 15 years ago!! ) I have called XXXX countless times and have sent letters asking XXXX to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. XXXX just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Product: Bank account or service

This is in reference to my ongoing dispute with bank of America case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will " INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her " findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she " responded ''.
Product: Debt collection

This account does not belong to me! Please remove it and review all attached documentation!
Product: Student loan

I had an arrangement with  XXXX   XXXX  and was able to make the monthly payment.  ( Approximately   XXXX   XXXX   XXXX   ). Somehow a company by the name of Naviant took over   and my arrangement stopped. I could n't make the {$50.00} payment any longer and could n't reach  XXXX   XXXX  to try and fix and/or renegotiate another monthly amount. I am  retired  and on a fixed income of less than {$1000.00} per month income for both Social Security a nd   OMB Federal Retirement.        I 've paid my loan religiously for many years and want to continue paying it ; however, I can no longer afford a   XXXX   XXXX   XXXX  payment. I have to constantly renegotiate with my creditors each month to pay them as my overall bills  ( rent, utilities, credit cards, etc. ) is more than I currently take in. My health does not allow me to get employment so all I have to live on is my income of less than {$1000.00} per month. I do get {$16.00} per month in food stamps and go to other agencies ( food bank ) and Senior Services to help with food.      I 'd like to pay this and hopefully can get an extended arrangement with  XXXX   XXXX  if at all possible.     Thanking you in advance.      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I was in the process of getting a loan. I reached out on the internet and started working with what I thought was a company named XXXX XXXX. Turns out it was scammers pretending to be them. They sent me a contract showing me what my payments would be and had me sign via e-signature, thru docu-sign. They even presented a copy of a check with my name on it, telling me it would be deposited into my account. Then someone called pretending to be Chase bank, asking me to verify my account information. The phone caller id said it was coming from Chase bank. I was later shown cashiers checks from Chase and told that we needed to transfer some money back and forth between my account and theirs in order so they could deposit the loan as well as any money transferred from my account. These scammers had me put money on my XXXX XXXX card and transfer from it, reassuring me that the cashiers checks would be deposited. When XXXXXXXX XXXX  stopped working they said it was a technical problem with their system and that I would need to go to XXXX to finish the process. They sent me a bar code to scan and I used my debit card to send it. Chase said they will not refund any money since I participated in this. Chase also allowed the scammers to reverse almost $ XXXX in ACH payments without my authorization.
Product: Checking or savings account

They refuse at the branch to let me have or open a Checking account this is not fair I asked why they wouldnt tell me sent me to home branch claim Im Blocked locked their crazy
Product: Debt collection

Company identifying themselves as American Express is attempting to collecting on debt well past the statute in California. 

Number is XXXX ( everyone spoke with an accent, suspect the call was from XXXX, and the are using local relay lines ), and it attempting to collect on a card ( ending in XXXX ) that was discharged in XXXX. 

Number called me on XX/XX/XXXX. I called back on XX/XX/XXXX. I explained that this is time barred debt, and not to contact me any further regarding this.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. 

FCRA Violations by Credit Reporting Agencies : XXXX, XXXX, and Equifax have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXX XXXX  ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXX XXXX  to XXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXX XXXX  and XXXX XXXX  in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX
Product: Consumer Loan

The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account doesn't belong to me. Company hasn't sent me any type of documentation to confirm.
Product: Debt collection

i recently review a copy of my credit report and notice i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXXXXXX XXXX, there where credit inquires from Jpmcb card an XXXX XXXX I never had any business affairs with either company this had a bad effective to my XXXX XXXX can I have these inquiries removed an my XXXX XXXX fixed. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, at approximately XXXX XXXX, I contacted United Consumer Financial to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681b, to opt out of certain information sharing practices. I first spoke with XXXX, a customer service representative, and requested assistance with opting out of the sharing of my personal information with third parties for marketing or other purposes. 

XXXX immediately placed me on hold. After six minutes I was transferred to XXXX, another representative, who explained that the account was closed and therefore, could not be opted out of any information sharing practices. Despite my attempts to explain my rights under the FCRA and the ability to opt out regardless of the account status, XXXX maintained that the account closure rendered the opt-out request invalid. XXXX said because the account was closed I would need to speak with the credit reporting agency. Dissatisfied with this response and understanding the importance of protecting my privacy rights and aware of my legal rights under the FCRA, I requested to escalate the matter to a supervisor. 

Finally, I spoke with XXXX, a supervisor, and reiterated my request to opt out of information sharing practices, emphasizing my rights under the FCRA. However, XXXX also refused to assist me, citing the closed status of the account. Despite my efforts to explain that my rights under the FCRA are independent of the account status, XXXX persisted in denying my request. 

I am deeply concerned about the company 's refusal to honor my legal right to opt out of information sharing practices under the FCRA. The FCRA explicitly grants consumers the right to opt out of certain information sharing, regardless of the status of their accounts. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA and protect consumers ' rights.
Product: Money transfer, virtual currency, or money service

So like many other Paypal users, i have a problem with this company. Here is my story ... 
On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project.

Thank you.
Product: Payday loan, title loan, or personal loan

I pulled my credit report from XXXX XXXX and XXXX XXXX and an unauthorized entry from National Credit Adjuster collecting on behalf of, XXXX XXXX in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2020. National Credit Adjusters has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 and no response. Due to the lack of communication, I then contacting XXXX XXXX  and XXXX XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  was one servicer of one of my several federal student loans. The loan originated in XXXX and I had 176 months of perfect payments, and the loan was paid off in XXXX. In XX/XX/XXXX, I had credit score of XXXX, important because I am buying a new home. However, XXXX  erroneously submitted information from XXXX and XXXX, and two delinquencies are being reported from XXXX my loan was PAID OFF IN XXXX. 

XXXX acknowledges the error. They dont know why the incorrect information from XXXX and XXXX was submitted to Experian XXXX but they are unwilling to resubmit as they say they can not. This has caused a material damage with interest charges for XXXX loans of {$740.00}, as well as the loss of my home loanit needs to be immediately corrected so I dont lose this house I am purchasing and XXXX and Experian need to pay damages in remuneration. 

I have had to address this issue with XXXX 8 times since XXXX, and while they eventually correct it, they inevitably end up resubmitting incorrect information that is causing material damage. XXXX and Experian, XXXX and XXXX need to be held accountable and this error needs to be fixed IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion Credit Bureau for the following violations of the Fair Credit Reporting Act ( FCRA ) : Illegal Re-Aging of an Account : TransUnion has re-aged an account from XXXX, which should have been removed according to the statute of limitations. This action violates 15 U.S.C. 1681c ( a ), which limits the reporting period for derogatory information. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Last payment date Transunion has refused to rectify this blatant error, and has re-aged it the account which is illegal. 

Unauthorized Inquiries : My credit report contains multiple unauthorized inquiries, which violates 15 U.S.C. 1681b ( f ) as these inquiries were made without my authorization. 

XXXX XX/XX/XXXX Lack of Access for Dispute : I have been unable to access TransUnion 's website to dispute these issues, obstructing my rights under 15 U.S.C. 1681i ( a ) to dispute inaccurate information. 

I request the following resolutions : Immediate deletion of the illegally re-aged account. 
Removal of all unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my T-Mobile phone bill with my new number and address for verification so they can update that information in my credit profile