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

I have repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. Portfolio Recovery Associates has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for Portfolio Recovery Associates ( PRA ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - PRA is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that PRA is verifying this information and it's accuracy with the original creditor then?

4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with PRA 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from PRA!

7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted.

8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX XXXX own reporting. This should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously use XXXX XXXX XXXX in XXXX. On XXXX, 2022 my lease expires and I move to XXXX  . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting my 7th CFPB complaint to you today requesting that the Credit Reporting Agencies remove the disputed fraudulent information from my Credit Report. I have been disputing the fraudulent accounts and information from my Credit Report and it is clear that the Credit Reporting Agencies are not willing to comply with my requests. The Credit reporting Agencies continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Also, I have read that the Credit are required to remove the disputed accounts and information that resulted due to the identity theft. I am submitting this XXXX Complaint to request that the Credit Bureaus remove the fraudulent accounts and information completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$390.00}
Product: Mortgage

This is a follow-up to my previous complaint.   Consumer Financial Protection Bureau  ( CFPB )  :  XXXX  Ditech Financial LLC Account Number :  XXXX   Ditech  stated in there letter dated  XXXX   XXXX ,   XXXX   : Our records show, however, a new advance was assessed to your account on  XXXX   XXXX ,   XXXX  . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your  XXXX    XXXX   payment was due  XXXX   XXXX ,   XXXX  , but did not post to your account until  XXXX   XXXX ,   XXXX  .     This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for  XXXX    XXXX   payment ) which was withdrawn on  XXXX   XXXX    XXXX  , instead of  XXXX   XXXX ,   XXXX   as stated in the above response from  Ditech.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax, XXXX, and XXXX for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing XXXX previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, Verve. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, Equifax, XXXX, and XXXX are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. Equifax, XXXX, and XXXX, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX LLCs tax reporting practices. 
Given the persistence of these violations, I am demanding that Equifax, XXXX, and XXXX immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.
Product: Checking or savings account

Someone wrote me a bad check, I even thought it was suspect so I called fraud department before it cleared to see if they could cancel it or flag it or investigate it they said no it looks okay. The next day it cleared then later bounced but I never took any of the money out so there was no issue. The next day they closed my account said it was under investigation in the fraud department and gave the account to a XXXX XXXX who is on leave, so thats not okay, my money was frozen and no timeline on when it will be looked at? So I spent hours on phone and in banks with every department and all I could get was her managers number XXXX XXXX who will not and has not returned any phone calls to me bankers or bank managers in over two months and this is after I received a letter in XXXX from chase saying they closed my account and I will receive my funds in ten days that was 40 days ago, still no returned calls I even got her managers number XXXX XXXX and he wont answer or return calls
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation of 15 U.S. Code 1681 I can not get apt loan etc due to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new open XXXX  credit card in my Equifax credit report, which I don't recognize. I've reached out to XXXX  fraud department and they could find the specific card with my social.
Product: Checking or savings account

XX/XX/year>, {$820.00} ; Chase charged me for a product/service that I requested a refund for roughly a month ago, after they returned the funds. They claim they are unable to obtain the funds from the merchant and that they are unable to fight for my consumer protection rights. The product/service was an XXXX rental that was misadvertised, poor quality, and had hazardous wastes. The company claims to have completed an investigation and to have disputed the transaction. However they are unwilling to follow their policy of issuing charge-backs for, " A product or service you received and are dissatisfied with. ''
Product: Checking or savings account

I went today XX/XX/XXXX around XXXX to XXXX XXXX to withdrawal funds from my td bank checking account through the drive through I was told by one of the banker that as I open the account online I need to come in to see one of their bank associate to resolve some issues with the account that I have with td bank then I went in I spoke with XXXX the banker lady she told me that they made a decision to closed my account permanently and she kept my debit card and refused to give to me back and withdraw funds also mean while I was waiting I was told disrespectfully to wait to move away while I was seated on front of the banker then I was explaining to her how I feel that is unfair the treatment which they made me waste my time going home then they called me to come back to the branch then I went and they still told me to they gon na closed the account permanently for ever with the bank and through that time from XXXX to XXXX XXXX somebody use my debit card and I had to called the police from the branch the police show up to help with the matters but the td bank employee covers some story about the matter which is unfair and after all that drama they gave me my debit card back but still the manager told me that they gon na close my account permanently which I think I was discriminated by my skin color and race I wan na exercise my right as human being I filing this complaint thank you I already called the customer service from the bank but I was discriminated by this bank ... ... also another details they told me back in XXXX I had and account with them there was an old balance around XXXX dollars which I paid XX/XX/XXXX they said that was one of the reasons but I been with td bank for about 7 months or longer. And I have others product with that institution but everything is recorded in the branch how I was treated as prove and XXXX the banker kept my debit car for about 3 to 4 hours and after I called the police I got the debit card back under their owns description like they are trying to cover the story and hide the true I was discriminated because my race and skin color also the question me like the police about my account and the manager and other supervisors told me the same that they gon na close the account permanently for ever and never in my life be a customer for td bank everything is under branch video even when the teller walk from the counter and got my debit card from XXXX XXXX of the ladys that started the matter and disagreement about my account and relationship with td bank my prove is the bank recorded camera and videos
Product: Checking or savings account

My account got hacked On the XXXX of XXXX. I contacted the bank on XXXX of XXXX and they told me a 3 the 10 business days. it's now been then over 22 days I have talked to them on the phone for over 4 hours. I've had to resubmit multiple times my issues. I've been given multiple phone calls that phone calls that this has been resolved. The money is still not back in my account and every time I call them they have to resubmit an issue to the fraud department. The bank is usaa and I need this money to pay bills My electric bill and my water bill are about to be turned off and I'm behind on my mortgage This money will help out due to the fact that I just lost my job and started a new
Product: Credit reporting or other personal consumer reports

I discovered this morning that my credit report now contains incorrect accounts, and Im utterly confused about how this happened. I check my credit report routinely, and this has never happened before. I refreshed my browser several times, hoping it was just an error, but the inaccurate accounts stayed. Im begging for the documents I provided to be fully reviewed so I can put this behind me for good.
Product: Credit card

I requested a credit card replacement from Bank of America in XX/XX/year>, and after waiting for over a month, I still had not received it. 

This delay caused significant financial inconvenience and impacted my travel plans. I was unable to purchase necessary travel items. When I escalated the issue, the representative even suggested I have right to close my account rather than offering a real solution. 

They provided no explanation for why my card was delayed for over a month, nor did they accept any responsibility for the inconvenience caused. Instead, they told me they would waive the shipping feeas if that is a favor rather than a standard service. This is completely unacceptable. 

Additionally, when I requested a written confirmation of their decision and a reference number for my complaint, they refused to provide it. Their refusal to document their own responses raises serious concerns about their accountability and customer service policies. 

I am filing this complaint because Bank of America has failed to fulfill its obligations, failed to provide essential customer support, and has refused to compensate me for the damage they caused.
Product: Money transfer, virtual currency, or money service

I had received an email from indeed saying they thought this job would be a good fit for me. I saw that it was a remote video editing job so I decided to look into it. I applied for the position and they told me we would have the interview on the XXXX app. I went there and they had a pdf of all these professional questions, and I answered them to my knowledge. They told me I would hear back from them in a day or XXXX. The next day I got a message from them saying I got the job. They gave me a list of all the equipment I would need for the job. I told them I didn't have all the equipment that they had listed. They told me the company would send a check of {$2500.00} for me to get the required equipment from their accredited vendor. They sent me the check and I had it deposited in my bank account with XXXX. Before the check I had {$760.00} in that account. Then their accredited vendor who I also talked to on XXXX was asking to transfer the {$2500.00} to them through XXXX and I couldn't send it to them because of my bank. I went to Huntington bank to let them know that it was in fact me trying to send this money through XXXX and they gave me the go ahead. I couldn't send all of it at once still, but was able to do {$500.00} breaks of it. I did XXXX {$500.00} transactions. So in my account I had {$1000.00} left over. The company kept pushing me to keep doing {$500.00}. That's when I realized something seems off so I called the company I applied for and they said that they had no positions of this at all in their company and requested me info because this wasn't the first time they got hacked like this. So I went to Huntington Bank and have my account freeze and on hold. I explained what had happened and they said since I had come in and said that it was me trying to send money ( fake check money mind you ) to the receiver on the other side that the remainder {$1000.00} I had to pay for so now my account is XXXX because they took everything I had in there to pay off fake money.
Product: Payday loan, title loan, or personal loan

I got into a loan agreement with Spotloan on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$800.00}. I was charged an interest rate of 460 % with 10 payments of {$260.00}. So far I have paid {$790.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$2600.00} on a {$800.00} loan.
Product: Money transfer, virtual currency, or money service

I used Zelle to send someone who was claiming to be the owner of a house I was interested in renting out of market. I sent a total sum of {$1900.00} by the time I found out I was scammed I called my bank XXXX XXXX XXXX at the time to stop the transaction and was told the money was already taken out of my account and they could do nothing although it was a fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX XXXX A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Equifax : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days b
efore the payment due date.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting.

Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action.

Enclosures Copy of credit report with highlighted inaccuracies.

Payment records proving timely payments.

Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX