23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a letter to Experian letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Experian refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. Experian provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : File Number Put ACCOUNTS HERE!
Product: Vehicle loan or lease

I paid off vehicle and have not received title. When I call to resolve issues they never help. Have sent documentation several times and no one there ever calls me or knows where it is
Product: Credit card or prepaid card

RE : XXXX XXXX XXXX Bank Credit Card issued to XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX there was NO correspondence whatsoever pertaining to any balance. Our card was paid in full with no balance. We received no emails whatsoever, nor did we receive any actual mail through the USPS. We validated all forms of contact and identity. The first we heard of any kind of amount due was a late/collection notice in XXXX, stating the annual fee was due in XXXX/XXXX. There had previously been no lates, no balance, nor any annual fee charged in previous years. When we tried to further inquire, US Bank stated we needed to mail them a letter requesting the reversal of the late charge ( s ). We did so immediately and never heard back. In XX/XX/XXXX we received a statement with a XXXX balance, with XXXX amount due. In XX/XX/XXXX we received a statement, citing {$78.00} due, of which {$29.00} was a late charge. When we called in to speak with US Bank, one of the 2 supervisors we spoke with stated that on the back of the XXXX statement that showed a XXXX balance it noted that the {$49.00} would soon be due. There was no statement in between no amount due, then annual fee and late charges issued ( from the XXXX to XXXX statements ). We were never presented the opportunity to pay the annual fee in advance, in either instance. My complaint and desire for resolution is for US Bank to remove any and all lates reported to any and all credit bureaus for XX/XX/XXXX and XX/XX/XXXX due to deceptive inconsistent communication leading to unwarranted credit issues. We have made sure that the USPS always had and continues to have a mail forward on file to avoid such issues while we purchased our home. No other cards or accounts have had this issue.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my XXXX, TRANSUNION, XXXX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them.The accounts listed on TRANS UNION are fraudulent reporting from creditors XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX, Also on TRANS UNION is an an authorized hard inquiry from XXXX XXXX XXXXXXXX date XXXXThe fraudulent account listed on XXXX are XXXXXXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2020
Product: Student loan

I was assured by XXXX that when I successfully completed my rehab program that all old information including default statuses and annotations would be removed from my accounts. 

I have disputed with the Fed Loan Services and they keep referring me back to XXXX  to fix the errors despite them being listed on my reports as Fed Loan Servicing. 

They have removed all but 3 from XXXX despite disputes. All saying 120 days late. 
They have removed none from XXXX despite disputes. All saying 120 days late. 
They have removed all from XXXX and there is no issue here. 

These are now duplicated listings for the same accounts on XXXX and XXXX- the new loans from XXXX XXXX  all reporting positive with the same balances as the old Fed Loan Servicing Accounts reporting negatively.
Product: Credit card or prepaid card

I am resubmitting my complaint cause as of your last response you are closing the complaint XXXX about CITIBANK. Not sure why close it unless this is the process. CITIBANK is lying. see informaton. 

I purchased a plan from sealand travel in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with XXXX in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called XXXX back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that VISA had the merchant money. They informed me and the merchant that they would have to get in contact with VISA. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let VISA know the money needed to be cleared but that was all they could do. 

As of XX/XX/2018. I have spoken with the merchant, they have not received any money. They spoke with their bank, the bank has not received any money. Citibank sent me a letter and email explained the reverse charge. I called Citibank again XX/XX/XXXX, I was informed by their rept that an investigation has been open caused THEY HAD NO IDEA WHERE THE MONEY WAS!!! THEY INFORMED ME THE LETTER WAS INCORRECT. So I feel Citibank is still lying. I am paying them for money that has not beenb sent out. The merchant has no money from citibank. I even get citi bank and the merchant on the phone together and the same results. XXXX banks comes back with they have to look into the matter. How many other people are they stealing from?? Yes stealing. I am paying them for something that they can not explain. Why not get the money from the merchant and send it to me? The merchant even told them to refund me!! So no this is not exceptable nor is it the truth., Again I have spoken to them several times and they can not produce anything about the money. Why not let me speak to the merchant bank. 

I mistaken put XX/XX/XXXX on previous letter I sent you. I spoke with them XX/XX/XXXX with merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times this has happened but yesterday and today I have proof through experiane emails this happens on a regular basis. 
On XX/XX/XXXX thursday, in the evening at about XXXX. I called to file the dispute. On XX/XX/XXXX i get an email verifying dispute is opened, friday. On fri XX/XX/XXXX i get an email at approximately XXXX saying dispute completed. They contact company verified info and no changes have been made. 
Exactly how in less than 24hrs was the info sent from experian to company, company got dispute read it, opened my close account files, looked into disputed info and replied to experian before XXXX that the info was accurate and complete. 
They would not have received notice of dispute til they opened at XXXX or XXXX XXXX on friday. And they close at XXXX on friday and dont reopen until monday morning. 
Did experian really verify the info was correct. Did they even send disputed info to company or did they just lazy their way out and say done within 8 hours. 
As this has happened muliple times with multiple companies my guess is experian is shortcutting and not fully investing claims. And not fully reading and documenting problem.
Product: Credit reporting or other personal consumer reports

I asked for the original signed contract and payment history many times to be sent to my address and have never received them. They are harassing me at family members homes that i do not live at. I asked to be notified via my personal home address which was ignored. i get threated by them to be sued and severed at family 's house of residence.
Product: Debt collection

I am filing this complaint against National Credit Systems ( XXXX ) for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a debt they claim I owe for {$17000.00}, related to XXXX XXXX  XXXX Apartments. Despite my repeated disputes and requests for validation, XXXX has failed to properly validate this debt within the legally required XXXX period and continues to report it to all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX causing significant harm to my credit and financial well-being. 

On XX/XX/year>, I sent a formal request to XXXX for debt validation via certified mail. Under the FDCPA, they were required to provide sufficient documentation to verify the accuracy and legitimacy of the debt within XXXX  days. They did not respond to me directly within this timeframe. Instead, they submitted documents through the CFPB portal on [ date of their CFPB response ], which does not fulfill their legal obligation to respond directly to me, the consumer. 

The documents provided by XXXX in their response do not constitute proper validation. Specifically : There is no proof that the charges totaling {$17000.00} are legitimate, accurate, or owed by me. 

The documents fail to include key elements such as invoices, receipts, or evidence of damages that would support the claimed charges. 

XXXX continues to report this debt to the credit bureaus despite failing to properly validate it, which is a clear violation of the FDCPA and FCRA. 

Additionally, the amount of {$17000.00} appears inflated and unreasonable. The debt seems to include a full years rent and other charges that are neither explained nor justified. This raises further concerns about the legitimacy of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Payday loan

I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!!
Product: Mortgage

I just received notice that Bank of America has passed on my loan servicing but I just wanted to ensure that Bank of America knows that this is far from getting rid of me and in reality it just really upped the ante as now yet once again you have ignored the information I provided BoA via the CFPB and provided incorrect account information and balances ... The damages are rising and trust me, the hunt now begins for an attorney and I have years of record of Bank of America 's mishandling of the issues to support my position. I have already filed a complaint against XXXX as their initial correspondence assumed some very incorrect things but every bit of it based on Bank of America 's mis-handling of my loan. I guess at very least this will stem the constant flow of complaints and avoidance on the part of BoA but again, this is far from over, I will still seek answers to every issue I 've asked and addressed and continue to commit time and resources to exposing BoA as a company that should not have been supported by the government and taxpayers and should not be designated too big to fail as BoA no longer being able to victimize consumers is a victory for consumers, perhaps a short term negative for the economy but overall and the bottom line is that Bank of America is a horrible horrible company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed it wasn't reporting accurately. I had 2 late or missed payments on the account that has in fact been paid on time and up to date. The consumer repporting agencies have a need to report all info with complete accuracy. I've attached a copy of my report to this complaint on the following date of XX/XX/2023 and XX/XX/2023. I'm now requesting you investigate and provide verifiable proof with records showing that I had late or missed payments. If this info can't be verified I demand these payments be updated to paid on time, paid as agreed, or ok immediately. Thanks in advance for your understanding and prompt action. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Money transfer, virtual currency, or money service

I am writing to file a claim regarding Zelles previous lack of a disclaimer and verification process before sending funds. At the time, there were no safeguards to verify recipient information, such as confirming the name associated with a phone number or email. This absence of verification made it easy for funds to be sent to the wrong person or for transactions to fail due to incomplete or mismatched information. On more than one occasion, I experienced issues where money was sent incorrectly, or recipients claimed they did not receive the funds due to confusion with their contact details. 

The lack of a verification system not only created unnecessary errors but also increased the risk of fraud and scams. I understand that Zelle has since added a pop-up feature to confirm recipient names, but this was not available during my transactions. The absence of such safeguards directly contributed to the issues I experienced, and I believe it exposed users to preventable risks. 

I respectfully request a review of my claim and would be happy to provide further details or documentation regarding my transactions. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I have a PayPal account and one day last week I got an email stating that my account had been frozen and I needed to supply information in order to unfreeze the account. I submitted my identification I submitted the proof of address and then they had me submit information on each and every transaction that I had on my account. Even transfers to my external debit card which I don't understand what explanation you need other than it's an external transfer to my debit card. Finally when I finished I submitted all the information and receive a response from PayPal the next day saying that I had been using PayPal for things that are outside of their user agreement and that my account was being permanently closed. And then they followed that by saying that my funds would be held for 180 days to cover any potential chargebacks. First of all I went over their user agreement and their acceptable use policy and great detail and I had done nothing that violated either of those policies. I don't operate a business I don't conduct business on PayPal and I certainly don't use that account for anything other than payments to and from friends and family. That is issue number one. The second issue is that they're holding my money for 180 days. There is {$400.00} in that account. They have no reason to hold that money because I never conducted business on PayPal and it was only friends and family payments and there is zero risk of chargeback. So to hold my money and use chargebacks as an excuse is wrong and unethical. That {$400.00} that sits in that account is money that I needed to go on my vacation which I've already paid for out of my own pocket for my friend and I. My friend had sent that {$400.00} payment in order to cover what I had already paid for him. Without that money I am not able to go on the vacation that I've paid for and I'm also not able to get a refund for that vacation so for PayPal to hold my money when they have no reason to again is wrong and unethical. I have submitted complaints to their customer service department I have submitted complaints to their executive escalation team I have submitted a complaint all the way to their president. I have not gotten a response. now this is ridiculous and this company literally just holds people 's money just so they can collect interest on something that's not theirs. I want this rectified I want my money out of that account. And given that there's zero risk of chargeback I want it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims that this is not showing on my credit report I have attached proof to show that this account is showing!
Product: Mortgage

In XXXX I purchased property that included 2 parcels for one lump sum, parcel A & B which have their own legal descriptions, has 2 separate tax payments and is apparently considered combined property. The following recordings is what the county auditor provided me with in approx XXXX of this year as a result of my inquiry to their action of intent to foreclose notice to me on parcel B. They also said that the property is considered combined and just one parcel could not be sold indep. from one or the other but no explanation of how they would be entitled to foreclose B on me. List begins with : XXXX I am listed as grantor with XXXX listed grantee of deed of trust. Refinance with XXXX in XXXX. XXXX XXXX XXXX is grantor and deed assigned to XXXX, XXXX XXXX XXXX is grantor and XXXX assigned. XXXX XXXX XXXX grantor appointment to XXXX. Prior to XXXX both parcel tax pyments where made by lender/assigned servicer. In XXXX after refi with XXXX I assumed making the tax payments on parcel B. I believe as a result of the fact that parcel B was omitted from the legal description on the deed which I just recently came to know. In XXXX I refinanced with XXXX, in XXXX I got a loan modification from them under HAMP. In XXXX of XXXX I stopped making payments due to XXXX. I received notice of default XXXX XXXX, notice of trustee sale, [ auction scheduled XXXX XXXX XXXX ] XX/XX/XXXX from XXXX. Received notice of purchase of loan from XXXX master particp. trust early XXXX. Notice from XXXX that the servicer of loan assigned to Caliber end of XXXX [? ] but I believe no mention that loan had been sold. Since I refinanced my loan and received a loan modification with XXXX in XXXX and XXXX I assumed they would have been the holder of the title. But recording shows nothing about XXXX until XXXX? Several mortgage transactions have occurred since XXXX. With title searches assumed to have been done in these various transactions, the mistake of parcel B missing from orginal note not caught? Additionally, the county has my well as being on parcel A, it is located on B. The appraiser/assessor office shows pictures of parcel B in parcel A assessment. No pictures are provided of B. A comment is made on assessment of B that says no site charged, combined property, this comment could not be explained as to meaning. I apparently own parcel B free and clear as evidenced by it not being included on XXXX deed. Servicers had been notified that prior to XXXX both parcel taxes had been paid by myself. Due to the confusion I simply assumed tax payments of this parcel, not really knowing exactly why this occurred, and that they were cheap anyway. I believe the title is clouded or defective? I believe that XXXX master participation and assigned caliber home loans have no right to pursue foreclosure under quality 's initiated paperwork. I believe that my loan may have been a result of robosigning some where along the line. Included in my XXXX refi paperwork is a XXXX XXXX is signed on the pay to the order without recourse ameriquest [ along with [ XXXX ] which is apparently the incorrect spelling of her name identified in a XXXX investigation