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

I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with XXXX stating Unknown - credit extension, review, or collection, and XXXX reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from Experian and XXXX state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/2019. If no activity has occurred since then, the account may exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of Debt : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent may violate the FDCPA ( 15 U.S.C. 1692e ). 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.
Product: Credit card or prepaid card

Account # XXXX .... 

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. I am a victim of identity theft, and I did not make or authorize this charge An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK DELAWARE mistake. BARCLAYS BANK DELAWARE has resource to enable accurate information about the clients inquiring new services. BARCLAYS BANK DELAWARE allows an account to be placed under my name erroneously. BARCLAYS BANK DELAWARE should verify all information prior to approving any application 's for services. 

FTC Report XXXX : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. Apparently when XXXX XXXX received the check and cashed it. The check was then returned and stamped as refer to maker. Apparently XXXX XXXX never received the funds and they reversed the loan payment from my account. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that XXXX attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXX XXXX  on XXXX while the second endorsement was returned by XXXX XXXX finance. I have attached multiple documents from all parties. The final result is that the money was deducted from my Robinhood account and never credited back to my account. The check never cleared with XXXX XXXX and I have lost this money.
Product: Vehicle loan or lease

Credit acceptance is saying I owe them {$6300.00} for a vehicle in XX/XX/XXXX that was turned in the the car lot it was purchased from XX/XX/XXXX we finance auto sales. Two week later we finance auto sales closed down and the vehicles that were there vanished. No one knows where the company took the vehicles. I wish I knew so I could sue them for having to owe for something they have
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : XXXXMILITARY STAR The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Money transfer, virtual currency, or money service

Unable to access my funds in my PayPal account. I have been asking Paypal to allow me access to my funds but they are not providing any reasoning as to why they have limited access to my own account and holding my funds equivalent to XXXX USD. I have spoken with customer service as well as written to them. They provide no reasons and no resolution to solve the issue. Also, their phone customer service is NOT HELPFUL. I have received the same message from Paypal for the past 1+ year - they offer no further details. I have spoken to their customer service and they offer me the same explanation ( after 1 hours hold time ) - they asked me to check my email and in email -- it was the same message/ I am ready to close my account but they need to give me my money back. They have been holding the money for no reason for more than 12 months - and offering me no explanation -- -- SEE MESSAGE BELOW -- -- You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX
Product: Checking or savings account

Dispute # XXXX # XXXXXXXX XXXX Filed dispute for three duplicate charges {$150.00} each {$450.00} total XX/XX/ denied XX/XX/XXXX  Reopened and still being investigated and I have not been provided temporary credit. 

The original valid {$150.00} transaction I made was on XX/XX/ but it was refunded XX/XX/2XXXX by XXXX XXXX the remaining three are duplicates
Product: Checking or savings account

Date : XX/XX/year> Claim # XXXX REFERENCE # XXXX This was another scam involving Wells Fargo and my checking account which I have been waiting for the funds of {$490.00} to be returned to my account. 
A letter dated XX/XX/year> from Wells Fargo bank indicated that this amount was being investigated with XXXX and I have yet to have the {$490.00} returned to my account. 

I would appreciate further research and investigation on the progress of this claim. 

Yet, another fail on Wells Fargo customer service. 

Thank you for your assistance in this matter. 

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

XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 12 times the payment information being reported to Experian on XXXX XXXX XXXX  account # ending in XXXX by XXXX XXXXXXXX XXXX. Every pervious dispute XXXX has stated they are reporting said account accreted in accordance with FCRA LAWS when in fact they have not been reporting accurate information for pass 6yr and I have sent repeatedly the same supporting documentation invaildating XXXX claim they are reporting accrated info in accordance with the FCRA LAWS. SO AT THIS TIME I'M DEMANDING THIS ACCOUNT BE REMOVED I SPECIFICALLY ASKE IF ONE ERROR IS TO BE FOUND ON THIS ACCOUNT BEING REPORTED TO EXPERIAN AFTER 12 PREVIOUS DISPUTES THIS ACCOUNT NEEDS TO BE DELETED. There was 4 error corrected on XXXX account on XXXX XXXX and still two errors currently reporting inaccurate information XXXX has had numerous of opportunities to investigate my consumer concerns and have dismissed every single one of my disputes. When in fact they have been knowingly violating my consumer right for years. To continuously report false information is fraud and XXXX has committed fraud I have attached two reports for what XXXX has been reporting for over 6yr now and the most recent 5 reporting error they corrected.
Product: Checking or savings account

Capital One 360 savings offered bonus for fund remaining in the account for 90 days. I transferred {$100000.00} on XX/XX/XXXX ( within the period of this special offer ) and the 90-day was up on XX/XX/XXXX. As of today XX/XX/XXXX, my money is still in the savings account but the {$1000.00} bonus is nowhere to be found. I called the customer service and the rep went round and round trying to find a loop hole on the offer but he couldn't find any. He agreed that the bonus of {$1000.00} should be in my account now. He put me on hold for about 15 minutes then a XXXX  XXXX XXXX no last name given, her ID is XXXX ) came on the phone and asked me all the info again, apparently the 1st rep didn't give her any info just asked for a supervisor. After another 10 minutes or so scrutinizing all the details, she announced that the bonus would come on XX/XX/XXXX. I asked her why and she just informed me that that was how the system worked. I asked to see the documentation that stated the bonus would be shown in my account but she refused to send me an email or any written material to certify what she said. Apparently she can see it ( or possibly just blow me off? ). I am frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who it May Concern, I recently sent a dispute to Experian Credit Bureau to update my payment for XX/XX/2021 for my auto loan XXXX XXXX XXXX XXXX ) since it showed blank but was on time. I have always paid that account on time and asked them to update it. It is the oldest/best account on my credit report and I actually paid it off early. Experian deleted the entire account/ payment activity/ history off my credit report and my credit dropped XXXX points. I called them and spoke with someone and they mentioned they can see how i only wanted XX/XX/2021 payments status updated and had no explanation only to call the auto loan company. I called the auto loan company and they said they didnt do anything to delete my file that it should be good for at least 7 years and it was Experian who deleted it as you can see in the dispute results. They've done something similar when i opened up an account for tires at XXXX XXXX and wanted the payment information updated and they closed that account. I'm currently looking to buy a house and they really ruined my chance of getting a good rate. They said there is nothing they can do even though they are the ones who deleted the auto loan and wouldnt retract my information even though it's still available in the dispute results tab. They need to be held liable since in America we depend on our credit to live a decent life.
Product: Debt collection

I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX
Product: Debt collection

In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.
Product: Debt collection

Date : XXXX XXXX  Company : Diversified adjustment company Total amount in debt : {$490.00} Amount Owed with XXXX : {$99.00} Interest charge : {$0.00} Amount in fees : {$0.00} You paid or were credited this amount towards your debt : {$0.00} Im not understanding why Im being charged over XXXXXXXX XXXX & I only owe them {$99.00}.
Product: Debt collection

I received a the first notice from Credit Collections Bureau dated    XX/XX/XXXX . Upon receipt of the notification, I called and left a message for a return call. I never received the return call. One week later I had a notice for certified mail. Within the certified mail was a notice of a small claims lawsuit. The deadline to respond to the denial is   XXXX   XXXX   2017, which I intend to do.
<P/>
I was not given enough time to respond and dispute the debt ( 15 ) days from the first notice received to the date of the Notice of the small claims lawsuit being served.
<P/>
The amount of interest that has been charged is {$440.00} and the total amount of debt was {$530.00}. How long has this been in there office without trying to reach me? I believe this could be from an surgical operation back in  XX/XX/XXXX , How long is the statute of limitations on these debts within my state?
<P/>
I am aware of the collection practices of this firm and to my knowledge this is a collections tactic they use. Placing a small claims judgment against a consumer whereby it is entered and then they place a wage order on the consumer.
<P/>
How is this practice not a violation of UDAPP?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove an incorrect bankruptcy from my credit report. XXXX and XXXX have removed the incorrect bankruptcy, but Experian won't remove the incorrect bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.
Product: Vehicle loan or lease

I hope this message finds you well. I am reaching out to address several discrepancies concerning the agreements currently on file related to my account. 

Discrepancies in Agreements : I have two versions of the agreementone with a wet signature that I do not recall signing, and another that is unsigned and blank. Additionally, I noticed that the email you sent has a timestamp earlier than the paperwork submitted for the CFPB. This inconsistency raises serious concerns that I need to resolve promptly. 

Assignment of Retail Installment Contract : I would like clarification regarding the assignment of my retail installment contract and security agreement with XXXX XXXX XXXX to United Auto Credit. Under XXXX XXXX, an assignee must have a valid agreement with the original debtor. Please confirm whether such an agreement exists, as it is crucial for my understanding of this situation. 

Vehicle Status and Payments : My vehicle is currently in escrow. Given the uncertainties regarding my contract, I will not process any payments until these matters are clarified. According to XXXX XXXX, repossession actions should not occur while there is a conflict regarding contract terms. 

Document Request : I formally request copies of all documents related to my agreements, including : The original retail installment contract The security agreement The assignment agreement between XXXX XXXX XXXX and United Auto Credit Any amendments or addendums Documentation confirming the assignment of rights Under Pennsylvania law, I am entitled to receive this documentation. 

Access to Account and Communication : My online account has been closed, and I have not received any correspondence from United Auto Credit regarding my account status. This lack of communication is concerning. 

Concerns Over Predatory Practices : I have spoken with a state representative who noted concerning elements of my agreement, including an interest rate exceeding 21 % under XXXX XXXX XXXX XXXX XXXX. Additionally, I was informed by the XXXX  DMV that there are documents I purportedly signed allowing power of attorney that I did not authorize. I request proof of these signatures. 

Given the serious nature of these issues, I would appreciate your prompt attention and assistance in resolving them. Please respond at your earliest convenience with the requested documentation and clarifications. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account on my report numerous times over the period of at least 8 years. The company reporting the account has no information or accurate records that the account is mine and fails to remove the account. They also continue to readjust the date the information was " opened '' on my account. Not only is the information incorrect, the account is not mine, they can't prove it and never have, but it should have been removed from my report a couple years ago but they keep reporting it. When I have disputed it and they have sent a copy of their " proof '', all they send is a one sheet " account summary '' that doesn't show any proof that the account is mine. No signature of mine, no proof of any kind that the account ownership is mine. I am using this as a last XXXX  attempt to have the information cleared from my account before taking this matter to the courts for violations of the FCRA.
Product: Credit reporting or other personal consumer reports

Ive signed into my credit report and noticed inaccurate information that was on my report that I did not commit or authorize anyone to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received a text message on XXXX XXXX XXXX XXXX XXXX XXXX from FNCBNV who identified themselves as a debt collector. I was given a reference code XXXX XXXXXXXX to log onto their website with. I logged in using the reference code and was forced to make an account. Once the account was established, I saw that FNCBNV is attempting to collect on an old debt on behalf of another debt collector XXXX XXXX XXXX XXXX for an amount of {$3500.00}. I called FNCBNV at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss this with a representative and the phone disconnected and I am not able to reach another representative. I would like ALL communication and collections efforts to stop on this account as it is past the statute of limitations and has been written off as a loss by the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX XXXX DATE $ XXXX I am knowledgeable that no consumer reporting agency XXXX 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 XXXX years. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & stress. Payments are now becoming unaffordable & quality of life is deteriorating.
Product: Student loan

I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.
Product: Mortgage

CONTINUATION OF COMPLAINT ID # XXXX. THE RESULTS ARE NOT SATIFIED. THEY LIED TO YOU AND LIED TO ME. THE GAVE ME A CALL ON XXXX XXXX,2022. THAT DAY A FEMALE REPRESENTATIVE SAID TO GIVE THEM 2 WEEKS TO APROXIMATELY THE WEEK OF THE XXXX. NO PHONE CALL AS OF YET BECAUSE YOU CFPB CLOSED THE COMPLAINT. UHMM. PLEASE DO NOT DO IT. THIS IS VERY SERIOUS, DO YOU UNDERSTAND?