23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

EXETER FINANCE is report account as current and also as I charge off/collection account how can an account be current and a charge off. also reporting different open dates and last date of payment. this company is reporting inaccurate Information and hurting my credit rating PLEASE REMOVE ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have incorrect personal information showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Money transfer, virtual currency, or money service

My problem is with PayPal. I received a refund from a vendor on XX/XX/2021 that should have gone back to the purchasing credit card ( XXXX ) but that instead PayPal is holding XXXX in the form of " Money is Waiting for You ''. PayPal will not transfer amt to XXXX card as a refund claiming that vendor method of processing refund is to blame, so I asked for a refund by check as best and most private alternative - I do not want to give PayPal any additional personal or bank information to obtain refund. PayPal indicates that this is possible, but in practice it has been impossible to implement over many months of attempts. On website, I'm directed to click " XXXX XXXX XXXX ''. Options then include : Transfer it to your bank '' or " XXXX XXXX XXXX XXXX '' or " get a check by mail instead ''. Selecting " get a check '' links to window where user is asked to select either Transfer " in minutes '' for a fee or in XXXX days for no fee. Either choice takes user to to next step which requires user to link a bank account, which is precisely what I don't want to do. XXXX is to set up PayPal cash XXXX, which requires providing XXXX etc. How can this be legal?
Product: Credit reporting or other personal consumer reports

This company states they have deleted this and it's still showing on my report
Product: Credit card or prepaid card

This is regarding dispute number XXXX I withdrew all my disputes for the year with XXXX in order to work directly with them on an outcome after XXXX in the executive office accused me of misrepresenting disputes with XXXX, XXXX XXXX, and Home  Depot  ( all of these are now resolved, see other CFPB complaints ) on a call recorded for quality assurance with Citibank. Please reference the following previous CFPB complaints regarding the conversation with XXXX : XXXX, XXXX, and XXXX. She was non-objective, accusatory, and totally rude. I am asking that the CFPB listen to the content of the conversation. 

I withdrew the disputes through their dispute summary online but also e-mailed billing disputes directly in case there was a problem, Citibank 's dispute summary was acting like it would take a withdrawal and then would reverse it. I had to go back through the account history several times to get several disputes to withdraw. 

After I withdrew the dispute, I received a letter from Citibank through the Notice 's and Letter 's page stating the {$5.00} was permanent as they received reimbursement from the merchant. They state I indicated in my letter that I wanted to dispute this with the merchant. They state they had already done that for me and had closed the investigation of the dispute and were not making any adjustments on the account. 

So, I told XXXX XXXX district manager that they didn't need to reimburse me for this charge. 

I just logged on to my Citibank account. On XX/XX/XXXX, a reversal for {$5.00} for XXXX  came through my account. It shows the original purchase date of XX/XX/XXXX. So despite what Citibank stated in writing, they reversed the charge.

So now, I have to revise my figure to the district manager. I am completely frustrated with how Citibank 's billing dispute department is handling this account. I am including all the supporting documentation for your records, which includes my withdraw, the follow-up e-mail to billing disputes, the dispute letter they issued through their Notice 's and Letter 's page dated XX/XX/XXXX, and the reversal they made on my account on XX/XX/XXXX.
Product: Debt collection

Re : Request for Debt Validation Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX Dear Midland Credit Management, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 

In accordance with 15 USC 1681b ( e ), I request the following : The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 

Proof of proper reporting : Evidence that you are legally able to collect this debt. 

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 

If I do not receive validation of this debt within 5 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 

Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 

Thank you for your attention to this serious issue.
Product: Debt collection

I am requesting the creditor to provide a copy of the loan check for {$900.00}. The check was supposed to be delivered to me on XX/XX/2021, but I never received it. If the creditor is unable to provide a copy of a loan check to me that was cashed by me or printed copy of the issue loan check of {$900.00}, that the creditor sent to XXXX listed negative account # XXXX and date opened XX/XX/2021 and reporting on my XXXX 's credit report showing a high balance of {$900.00} and with negative remarks " unpaid balance charged off '' is unlawful and in violation of the FCRA statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Product: Debt collection

A XXXX  bill that was in my dads name is not mine!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After the recent XXXX data breach, I tried to place a security freeze on my report at Experian. I was able to do so at XXXX and XXXX with sub-5-minute ease, but both the online and phone avenues at Experian proved to be dead ends, demanding documentation be mailed to the much in excess of the other two credit reporting companies. I could find no number to contact a human at Experian, and find the suggestion of contacting them by mail disingenuous, considering time may be of utmost importance in a fraud situation. A quick XXXX search reveals there are many encountering this problem. Experian needs to quickly simplify the process of online and phone credit freezes along the lines of the other two organizations.
Product: Debt collection

Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collect ing the debt Falsely represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person, unless such action is lawful and intended by the debt collector or creditor This debt shall be deleted immediately both Capital One debts shall be deleted the consumer stated that the individual did not respond to debt forcing the individual to accrue fees and interests that subjected the individual to major debt amounts which could have been prevented furthermore in order for the individual to have these items remove the company stated that the individual did not furthermore communicate this information as stated above in the law this is a crime by the business which prevented the individual from payment and forced a debt XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to Experian. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.
Product: Money transfer, virtual currency, or money service

Lost my XXXX back in XX/XX/year>. Someone was able to use that cellular device to make fraudulent transactions on my account. Contacted cash app and they said there was nothing they could do about it.
Product: Mortgage

A check for a roof repair was issued by the insurance provider. I spoke to the mortgage company around 8 weeks ago. I was told that the check was going to be held in escrow. 
I was told that my delinquent account with my mortgage company and negative payment history was the reason that the check was going to be held. I was going to get payments in 3 portions. I was told that the check would be made out to me, my former wife and the roofing company of my choice. I was told today that on XXXXthe full funds were released to my former wife. The roof repair was and has not been done. The insurance company will not look into my claims. I want to investigate the mortgage company and find out why they release the full amount of the insurance check. Why weren't the funds held like they told me they were going to? Rushmore loan management is not upholding their legal rights to consumers.
Product: Checking or savings account

I am writing about the worst banking experience I have had with XXXX XXXX XXXX XXXX XXXX XXXX. I have been a customer with XXXX XXXX for several years with no problem. So, you can only imagine my disbelief after hearing that my savings account was being closed for a single check being returned. I had no idea the check was going to be returned. I had no intention of committing any fraud or anything like that, especially with an available balance over 80 thousand dollars. I was told my account was being closed and that any remaining funds ( over {$80000.00} ) would be returned to me. OK I had no say in the matter so I guess I had to live with their decision to close the account. To my surprise I've waited for weeks to receive my money back, but I never did. I called countless times and spoke to customer service ( who were nice ) but It's the back office banking operations who were completely unhelpful. Every-time, I was told that my money would be returned. I have been waiting for YEARS now, and still have not received a cent back from that godforsaken, distrustful, disgrace of a bank. If you are looking into a savings account, look far away from XXXX XXXX XXXX, they are disgraceful and will use every trick in the book to weasel their way into stealing your hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate along with many other inaccuracies. This is grounds for removal, they are violating my rights under : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
Product: Checking or savings account

I called Suntrust on last Friday about my account. And I told the lady not to shut down my cards I needed them and that I would call back once I get everything straight. Well they did anyway after I said not too. I have the right as a customer to not have my card shut down.so Im filling a formal complaint this is totally unacceptable as a customer I reserved my right at that moment as a customer and something needs to be done. So Im asking for that phone to be pulled because i said dont shut down my card all phone call are recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not applied for a student loan with Sallie Mae. In XXXX of 2022 I receieved a statement from Sallie Mae and reported the fraud. I did not authorize them to pull my credit nor did I co-sign on any student loans.
Product: Vehicle loan or lease

I have been trying to get relief assistance with my loan company for over a year due to no avail. I informed them that after being sick with XXXX  which affected me for almost a year I wanted to apply for a wellness program to assist with my payments. I emailed documents and nothing ever happened. I was then told I was denied. No specific reasons after payments were made as well as I had met the threshold of default. I was then told that it was too late to apply for the assistants. I was then told to pay XXXX dollars In XXXX XXXX XXXXXXXX and I would be submitted for assistance and that did not happen either. I applied for the wellness program In early XX/XX/XXXX and again in XX/XX/XXXX to no avail. even after making loan payments.
Product: Credit reporting

I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed. 

THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX. 


XXXX XXXX XXXX XXXXXXXX XXXX : XXXX CONTACT INFO : XXXX ACCOUNT STATUS : CLOSED POSSIBLE FINANCIAL INC XXXX XXXX : XXXX Contact info : XXXX Account status : CLOSED XXXX XXXXXXXX BALENCE : XXXX Contact info : XXXX Account status : CLOSED XXXX HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX  XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.