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

Record details Record type XXXX XXXX XXXX dismissed Date filed XXXX XXXX XXXX XXXXXX/XX/year> Responsibility Individual Reference number XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus.

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus. 

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit is not following the law. I sent out several dispute letter in regards to my credit concerns.. XXXX and XX/XX/XXXX removed the items off my credit report but Transunion fell to comply with the law.. Please help me with getting these concerns removed from my credit report immediately..
Product: Money transfer, virtual currency, or money service

My complaint is about Paypal. I purchased from a car wheel website and payed on the website with Paypal. I was given the option to choose from my available methods of payment. I had a bank credit card and a separate bank account. They are not the same. I chose my bank credit card. I put money in my bank for that card to pay the amount. 

When I looked at my bank statement I was overdrafted in them other bank account. When I called and messaged Paypal they said I had my bank account selected as my primary. I asked them why would they make the card an option to pay if they never intended to let me use it. 

They said no you have to select it on the site. That's XXXX. I have to go log in and change it when you are already giving me the option to pay on another site. 

They owe me a {$30.00} overdraft fee. I don't know what kind of games they are playing with customers. You can't allow people to choose from options to pay and then be like sike... There is not huge discloser or any discloser stating that the option doesn't work when I'm checking out on another site.
Product: Debt collection

XXXX XXXX.I do not recognize this company and didn't authorize any transaction on this day or around this time. Contract Caller XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my credit reports by all three major credit bureaus : XXXX, TransUnion, and XXXX. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : 1. **Competent Evidence** : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

2. **Validation of Debt** : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history. 

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status across all three bureaus.
Product: Consumer Loan

I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.
Product: Checking or savings account

There was a total of XXXX in unauthorized charges to my checking account. I contacted Chase Bank about disputing these charges and they refused to assist. I did not authorize either of the 2 transactions, nor provide my PIN number. I have attempted to contact the merchant and received no answer The first charge was XX/XX/18 for {$75.00} and the second charge was XX/XX/18 for {$10.00}
Product: Checking or savings account

XXXX XXXX error caused charge for XXXX to be deducted from my bank account. 
PNC Bank charged me {$420.00} worth of overdraft charges as a result. I contacted XXXX and they agreed to refund the {$110.00} to my bank account. I brought XXXX confirmation email to branch in XXXX XXXX FL and Manager refused to refund the overdraft charges. 
I am currently unemployed trying to make it on a {$1000.00} a month alimony check. Having {$420.00} go out the door for a charge that was an error is unacceptable. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 to 3 months I've been shopping for a car. They are running my credit multiple times with the lenders. They are using the same companies usually. They are denying me credit because I have to many credit inquiries. I've disputed the credit report with the agency. They didn't change anything. XXXX XXXX, XXXX They said that everything remains. This was XXXX. I've been denied credit because of this. They will not lump the credit inquiries together from the same company. They have them all listed individually. All 3 credit bureaus have said that this is just how it is. There are now 92 inquiries. XXXX XXXX has been ran twice in 1 day. Three times in 1 day for XXXX XXXX.
Product: Debt collection

Account : XXXX Amount : {$1100.00} USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Midland Credit Management / Midland Funding LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Vehicle loan or lease

I filed bankruptcy back I. XXXX and turned my car in and was advised by my attorney to go to this particular dealer to get a used car. I applied and was approved through prestige financial for a five year loan on a XXXX XXXX XXXX. The payment were high at {$620.00} and when I asked they said you can refinance. Due to the situation I was in they wasnt possible and payments have stayed too high which I have let them know several times and all they offer is small payments put to the end and my balance is only $ XXXX lower. I am stuck in this cycle but need my car.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. 

In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. 

On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? 

More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? 

Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. 

I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.
Product: Student loan

I just switched over to XXXX last month since I was not pleased with Navient. 
I had XXXX and then Navient since 2006. The loan was settled by XXXX Last month. 
I called them a few times about the Income Driven Plan but each time I was guided towards the forbearance. I now believe they were wrong and did not take the time to help me. How would they know my need without even giving me the chance to apply.
Product: Mortgage

The Property went into foreclosure after been told it would since the home was active for sale. Even once we had a full price offer the bank foreclosure on the property. The property was due to close on XX/XX/XXXX but buyer could not risk going thru and the lender foreclose the same day. We call the bank plenty time anmd was given a different story every time we called.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that Experian is reporting me as XXXX days late in XX/XX/year>, XXXX is reporting me as XXXX days late in XXXX of XXXX, and XXXX is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX is reporting inaccurate information to the Experian Credit bureau! I have sent letters in to dispute it but Experian keeps saying Verified. XXXX XXXXXXXX is reporting 120 days late for XXXX and XX/XX/2018, both months can not be 120 days late! I have asked them to remove and delete this account and they are giving me the run around by saying VERIFIED which is not what my concern is about! Credit laws ensures that credit bureaus report only 100 % accurate credit information and Experian is not!!!
Product: Debt collection

Portfolio complaint XXXX. Account XXXX. Their response- I was sent statements by XXXX XXXX that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The XXXX XXXX notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices Portfolio! and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 
Upon discovering these fraudulent items, I promptly filed a dispute with your agency I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking dor your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION OR KNOWLEDGE.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft / returned item fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently I received copy of my credit report and noticed that there's a collection account reporting that doesn't belong to me nor provided the proper verification. I then reached out to the creditor that's reporting the alleged debt and asked them to send me all verification documents which includes signed agreements and contracts between us. They failed to provide me with any verification documents but yet still continue to report the account. I am aware that the credit reporting agencies must furnish only accurate and verifiable information in which the information listed in my dispute letter includes accounts that are inaccurate. The creditors listed in my dispute letter never had my consent to purchase my personal information nor share it with anyone besides me. How can I owe a debt if there was never an agreement set in place between me and the creditors listed in my dispute? The credit reporting agencies that are furnishing this information didn't properly vet these creditors reporting these accounts nor can they provide me with any documents. Violations committed by the credit reporting agency and creditor reporting this information : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Money transfer, virtual currency, or money service

This started when i instant deposited XXXX to my brokerage account on XXXX and later switched to my cash account to not get the XXXX restriction that they enforce on robinhood and i didnt know it would take the money back. So i talked to someone in support at robinhood that day on a recorded line and he told me that the money would be sent over the next 3-5 buisness days. It never came so i made a dispute with my bank and got my money back and was happy, then the next day robinhood charges my brokerage account the XXXX which then restricted it and i had to sit in support calls all day where they just avoided it and kept putting me on hold until eventually saying that the rescrition is lifted but i need to add the XXXX to the account to not be have a restricted account again. The money on the intial day was taken right away since it was a instant deposit but then taken back by robinhood and never given back to me.This has been very time draining and frustrating for me, even now i sit in a XXXX hour support waiting room with robinhood trying to resolve this. I dont remember the guys name from the first support call but they state they have every support call on a recorded line.
Product: Credit reporting or other personal consumer reports

I disputed this account on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The debt collector did not mail any documents until XX/XX/XXXX. The documents do not match what is being reported. The documents state I had 3 accounts and I did not. They refuse to remove the incorrect information. I paid the original creditor and was issued a refund for overpayment.
Product: Debt collection

To whom it may concern : I am writing this letter of complaint against Helvey and Associates, Inc for falsely claiming a debt is mine and they took extreme action of reporting the balance to all 3 major credit boroughs while the dispute was still active. Helvey and Associates have never provided me an itemized bill of why I owe this supposed debt and they are unable to provide dates, times and itemization for the amount they say I owed. I did start to make payments during the dispute to avoid a negative mark on my credit but they breached their agreement and falsely reported the debt to the 3 major credit boroughs. My initial plan was to avoid being reported on my credit report and I would dispute the charge later. Helvey and Associates have no documentation or proof that the debt is valid and I know that my insurance covers 100 % of my medical treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian number of time, as recent as today ( XXXX ). I have numerous hard inquiries that I did not authorize and sign for from XXXX, XXXX and XXXX. When I can Experian, I am told that the inquiries can not be removed. I know that the FCRA ensures that I have the right to dispute these because of inaccuracy, being incomplete or unlawful. The same applies for XXXX.
Product: Vehicle loan or lease

on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their " insurance '' that how he explained me my monthly budget for the car payment supposed to be {$500.00} per month, and with their insurance protection will cost additional {$220.00} " subject to change if I decided not to keep their insurance. 

40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days. 

I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened. 

ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {$150.00} in the service center, as per today 's the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that " INSURANCE '' or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {$3000.00} and increased my monthly payment to {$710.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that's how i realized that they lied to me.