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

XXXX XXXX ( acct # XXXX ) sold my debt to Spring Oaks Capital ( Acct # XXXX ) and is double/ still reporting on my credit bureaus. I would like this removed.
Product: Credit card

Target reported me as late on my credit card payment during my  XXXX   XXXX   XXXX  and is refusing to correct the reporting. I had no knowledge of any balance and apparently had a {$2.00} balance and they charged late fees and now the balance is higher. under the SCRA I should be protected during  XXXX  periods from any default reporting and they are refusing to correct this which is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX 14 times showing that my credit is perfect and 14 times USAA states to XXXX that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. ( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired Police Officer and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact Experian and clear this matter at one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my credit card info, changed addresses multiple times, made expenses purchases and failed to pay. Credit company never attempted to contact me and charged off bad debt to my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$8600.00} ; XXXX XXXXXXXX Balance : {$370000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE DISPUTED ITEMS WITHIN 30 DAY. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Credit card or prepaid card

I trying to set up direct deposit on this card. I get a error that says I am not able to set up direct deposit due to suspicious activity on the card. So I called in and twice I have been transferred to a rep that can not help. Then they transfer me to another number that was disconnected. I can not keep calling them because I am charged each time I call. I need the direct deposit set up. I have the card set up with child support and the child support office said I have to set up direct deposit with the card. The card said child support. I need the direct deposit set up. This company is the worst they are charging for things I should not be charged for and I can not call customer service more than twice a month or I will be charged eventho customer service hangs up on me.. I want to be done with this card and have the direct deposit. And also I am able to withdraw twice a month from the ATM without a charge. I was charged for withdrawing from a ATM and it was the first time I withdrew that month. I have attached the XXXX statement and I have yet to be refunded.
Product: Debt collection

Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.
Product: Debt collection

On the XX/XX/2019, I drafted and mailed a certified letter to Reliant capital Solutions , LLC, who had contacted me by mail to collect a debt. 

I disputed the debt and asked that : 1 ) they cease all communication with me other than to validate my debt by mail, and 2 ) that if they report this debt to credit bureaus, that it is marked as disputed. 

Thus far, they have not ceased their attempts to collect, and I have received three phone calls ( on XX/XX/2019, XX/XX/2019, XX/XX/2019 ) and an email on XX/XX/2019, all with the stated purpose of attempting to collect a debt. 

Futher, I have received absolutely no documentation which acknowledges receipt of my request or validation of the debt they are allege I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the medical data systems I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reader, About a month ago or so I wanted to check my free 'once a year credit score ' using one of the three credit bureaus and when I did that the page wouldn't load so I would press the back button and click it again. Rather than understanding I only wanted to see it once I believe the companies thought I was checking my score multiple time and thus negatively affecting my overall score. I just want to make sure that I'm not unfairly taking a hit to my credit score when life is hard enough as it is. I'm also extremely sad because I was unaware that when my credit card changed I was missing debt payments. This negatively effected my score as well. I intend to always make payments on time but I was struggling at the time, now, and did not know I was missing anything when it happened. Please help me. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a XXXX XXXX XXXX Account in the beginning of 2020. Sometime around late XX/XX/2020 or the beginning of XX/XX/2020, I graduated to a XXXX XXXX Account, which contained a higher credit limit and was considered " unsecured, '' for credit purposes. The XXXX XXXX XXXX XXXX  is showing " paid and closed '' on my credit report, and this is correct -- this particular account should be paid and closed because once the XXXX XXXX XXXX was paid off, I had a XXXX XXXX Account opened. The problem is that the XXXX  account is reporting as " closed '' on my XXXX, Equifax and XXXX  credit bureau reports, and this is incorrect, as the XXXX  account is open with a {$500.00} credit limit and no balance. I have tried to call XXXX directly and was told to mail a letter to the company to dispute their inaccurate reporting of the XXXX account, but no one seems to know anything -- we go around and around in circles and I get nowhere.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I hope you're doing well. I recently received a response from Portfolio Recovery Associates about my dispute on some items in my credit report. They said the items were " Verified, '' but I have serious doubts about their accuracy. I'm requesting more details about how they conducted their investigation : Verification Process : Can you explain how your team checked the accuracy of the reported items? 

Documents Reviewed : What specific documents did you review during your investigation? 

Information Sent : Please provide a complete copy of all the information you sent to the data furnisher during your investigation. 

Costs Involved : How much did it cost to gather the necessary documents for your investigation? 

Timeliness of Documents : Can you show me proof that you obtained these certified documents in a timely manner? 

Direct Communication : Did your team directly contact anyone from the company that reported this information to confirm its accuracy? If so, I'd like to know who they spoke to, when, and what was discussed. 

Correspondence Copies : Please share copies of all emails and written communications related to this investigation. 

Documentation Provided : Could you give me conclusive documentation that supports the thoroughness of your investigation into this disputed account? 

Delinquency Start Date : What is the date when the delinquency for these reported items began? 

Cease Reporting Date : When will you stop reporting these items specifically? 

I also request a notarized affidavit confirming the accuracy of the information provided, as required by federal law. This isn't a generic requestI need detailed information to address my specific concerns about these reported items. 

If you can't provide the requested information promptly, as required by laws like the Fair Credit Reporting Act, I'll insist on these items being permanently removed from my credit report. They've significantly hurt my credit score and caused a lot of financial and emotional stress. If necessary, I'm prepared to pursue my rights through legal action. 

Please send your written response to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit highlighting major issues with the platform. Despite reporting problems multiple times, neither Zelle nor my bank properly investigated my claims. I was told that recovering lost money was impossible and tracking the transactions couldnt be done. The CFPBs findings show that Zelle has failed to protect users and has allowed scammers to take advantage of the system, leaving people at risk.Placing me at risk knowingly
Product: Credit reporting

In XXXX XXXX, I entered into the XXXX XXXX XXXX XXXX, so that they could act on my behalf while resolving all my debts. Since then, I have continuously paid the agreed payment plan totals to each collection agency. As of XXXX XXXX, I have completed the program because I successfully paid off my accounts ( bringing all balances to {$0.00} ). 
I am a single mother to a XXXX child and have worked hard to correct my credit and establish responsibility. This is so that I may provide a stable life for my child. However, I reviewed my credit score and was unhappy with it. I feel that reporting agencies failed to update my information correctly. Also, it shows my accounts as " charged of-unpaid '' which is negatively impacting me. All my closed/open accounts had had monthly payment arrangements that I honored. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, Equifax and XXXX  on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit reporting or other personal consumer reports

I have been Tring over the last year to get copies of my credit report from XXXX, Experian, and XXXX. They all say they don't see any trade items on my credit report and I also tried to obtain a loan from a loan company and they said the same thing and I don't understand why this is. I have had credit, and it should be showing.
Product: Checking or savings account

We enrolled in JPMORGAN Chase Fraud Protection Security system, a while ago. Recently wrote a check to one of our company vendors, and Chase did not follow the instructions loaded in their Security system, the check we wrote was cashed by another person other than the intended merchant, we are out {$4500.00} and no clue when it will be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

This collection company for XXXX XXXX card that I 'm behind on my payments I believe it 's called genpact calls at least 10 times a day but where they made their violation is sometimes they call over and over seconds apart and just hang up to harass me and I believe this is after I let XXXX know that I 'm XXXX and that 's why I ca n't talk on the phone and I have no way of reaching them by email. I just do n't think it is funny at all when they keep calling and hanging up repeatedly XXXX at XXXX for example they let it ring once or twice and then hang up, two seconds later they do the same thing and so on and so on. Abusive harassing Behavior that I 'm thinking about suing. I 'm just XXXX and being abused and I would like to put a stop to it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not following the laws of the FCRA, they have decided to leave a fraudulent account on my XXXX XXXX report and the have never provided me with proof bearing my signature proving the fraudulent account with AXOS Bank. Axos bank has corresponded to me twice stating that they have never received a dispute from XXXX XXXX. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my XXXX XXXX report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to XXXX XXXX : I HAVE ALREADY FILED A DISPUTE WITH XXXX  ON THIS ACCOUNT AND ACCORDING TO XXXX YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF AXOS BANK UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH AXOS BANK AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM XXXX. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM AXOS BANK STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM XXXX ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER XXXX OR AXOS BANK IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER AXOS BANK OR XXXX IS COMMITTING A CRIME BY XXXX LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR AXOS BANK LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.
Product: Credit reporting

I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! #
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Trans Unions business partneXXXX XXXX to TRANS UNION as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX Bankruptcy # XXXX filing. 

I declared and stated to Trans Union there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to TRANS UNION by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Trans Union or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. 

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Trans Unions Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )
Product: Student loan

Sallie mae reps lie about offers to resolve your account, when you tell them to put any offer in writing they claim they cant do that .. thats not truth in lending. The reps are trained liars, they know how to break the law, without punishment,
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Product: Debt collection

received a statement from XXXX XXXX , XXXX stating that I owed PayPal Inc. {$150.00} when I 've never had a PayPal account. I called PayPal to verify that I did not had an account.