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

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. ; Account Name : XXXX XXXX Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. Account Name : XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit card or prepaid card

I've been trying to pay my Ikea Projekt card bill through Comenity Bank for over a week, but their website is down and their phone lines are no longer working. Their service agents reportedly can't even access our accounts currently as it is. I'm afraid I'm going to be charged a late fee as I can't even register my account to pay or pay by phone. Their excuse is that a scheduled maintenance is taking longer than expected, but its been XXXX days now and my bill is coming due.
Product: Credit card or prepaid card

I received an email from Chase Bank reporting a possible fraud with a link to secure account and dispute it. I clicked on link and filled out the required fields to verify account. After completing everything, I called customer service and records do not show the supposed transaction from this card. I then started getting text notifications from Chase about verifying the code to sign in account which I had already done and signed out. I truly believe I filled out a fraud chase account with my basic information and now somebody was trying to get in the account.
Product: Money transfers

Paypal account existing since 1998 and responding since then to my XXXX email ( per the Paypal user-naming requirements ) refuses to set a default settlement account per user account settings. Paypal conceals a policy of defaulting to its own preference of valid settlement instruments. 
Specifically, Paypal accepted a brokerage account as a settlement instrument, and also accepts settlement through XXXX XXXX ( debit account ), but refuses to allow user preference of XXXX XXXX instead of the brokerage. Since the brokerage has been dormant for over one year, Paypal 's seizure ( or concealment of joint ownership ) of my accounts and destruction of my XXXX XXXX default settings preference has caused over {$100.00} damage to my XXXX brokerage and threatens to continue this abuse of my finances. 
Paypal seized both my entire sales property on Ebay ( listed " as is, '' and " no returns '' ) and also related sales proceeds, which I agreed to pursuant to account termination. Paypal also permitted Ebay to assess me additional costs of the return transaction, without my knowledge and to the injury of my account defaults and my personal finances. 
Please advise me as to whether I need to terminate my relationship with Paypal, as Paypal has already informed that it " defaults to settlement with more prestigious '' instruments/sources and keeps secret from Paypal applicants ( as in my case ) its discrimination against debit resources.
Product: Money transfer, virtual currency, or money service

I closed my Paypal account. They owe me XXXX and change, it has been over 8 months. I have waited for the refund check, which they claim to have sent 3 times. It has not come. No matter what I say, there are excuses, like the address was wrong ( which it wasn't ), anything. I'm tired of their excuses. How many seniors are they not refunding?
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, I looked at my credit report from Experience.I seen that it had my payment history wrong.And section 623 of the credit reporting ACT.Duty to promptly correct and update information.i have never had a late payment this is damaging my credit profile.I would like this updated as soon as possible.
Product: Debt collection

I received repeated calls from Aargon Agency regarding a debt due XXXX XXXX Hospital. The debt was paid directly to the hospital. I even provided a receipt to them from the hospital but they refuse to update my credit information that the debt has been paid.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : 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
Product: Mortgage

I do not have specific dates and time But it was during the Covid, the tenants stop paying out and I tried paying the monthly mortgage out of pocket. My mortgage company is Wells Fargo. I do not want to loose my property but they have not offered any help or solutions to my knowledge, its for me to either catch up with my mortgage or loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a fraud alert on my credit report without my phone number. This is causing me harm in getting extended credit when an organization is using this private credit reporting company as a verification point of my credit background. 

Furthermore, I have sent notifications to remove this as it was not an alert that I asked for or wanted on my credit reporting monitoring that this private company participates in. 

Upon my last demand to remove this erroneous fraud alert and or rectify their error of not having my phone number attached to my report so as to ensure organizations wanting to verify my identity can do so - I was met with a letter from TransUnion demanding a " proof request to remove fraud alert '' They are asking me to send them personal information of my current address, social security number, and date of birth but have provided no way to do this that protects my identity and this information - they are requiring that this is sent via the mail where any of this information in tandem could cause a breach of my personal information. 

My doctor 's office has to hold standards for privacy why wouldn't a private company that is holding my hostage of their interpretation of my credit not also be held to standards to keep my personal information private and provide acceptable options to send this information ( via portal, online, application ) to ensure it is held securely. 

Lastly, they want a payment of {$9.00} to remove this fraud alert from my credit report that they placed incorrectly. I want this removed immediately PERIOD - if they want further verification and/or validation of my identity they need to provide me a secure link, portal or option that does NOT require me to send my address, social security, and date of birth via the mail system - that is NOT secure.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION oXXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the XXXX credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment
Product: Checking or savings account

I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and XXXX XXXX state laws XXXX of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : Please provide evidence that XXXX XXXX is licensed to collect debts in the state of XXXX XXXX XXXX This should include a valid XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as XXXX, Equifax, and XXXX. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and XXXX XXXX  consumer protection laws. 

Please respond to this dispute within XXXX  days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Product: Debt collection

I paid both of the debts off. They said the collections accounts would be deleted from my credit history as a part of the settlement. These are still on my credit reports.
Product: Debt collection

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. 

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and have been trying to rebuild my life. Due to Equifax 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. 


Equifax violated my constitutional rights as outlined in the Fair Credit Reporting Act : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted trafficking documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( XXXX ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX  in persons or XXXX XXXX  under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted trafficking documentation under 1022.142 ( b ) ( 6 ) of this section. 

In XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of human trafficking. Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Equifax is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Equifax have the power to function as investigators, and how can they verify expunged court records? 

Now, my life is further endangered due to the intentional and irresponsible actions of Equifax and its representatives in disregarding federal laws. It appears that Equifax is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. 

I am asking for federal and state assistance to hold Equifax accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Equifax negligence.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account closed with creditor Acima credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called Acima to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, none of these places attached to them I have used ever. I've tried several times to have removed and no results.
Product: Credit card

I call EQUIFAX and told them o disputed the wrong account and I would like this account to be back on my consumer reporting account