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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 


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

In XX/XX/XXXX an account was taken out in my name in XXXX Florida for the amount of {$5000.00}. At that time, I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, removed it from my report and added a fraud statement to my account. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and " certified '' that this was my account. To this day I have not been able to get in touch with this company nor received any proof that I took out this loan. I re-disputed with Equifax in XX/XX/XXXX and they denied my dispute, even though they agreed that all XXXX addresses associated with my name were fraudulent.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to express my deep concern and frustration over the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error, as I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for many years, and I have always ensured that all of my transactions and activities are in compliance with your policies. Therefore, I was extremely surprised and disappointed to receive notification that my account had been permanently limited. 

I would like to request that PayPal re-investigate my case and reconsider the decision to permanently limit my account. I am confident that upon further review, you will find that there was no wrongdoing on my part and that the limitation was placed in error. 

I would like to emphasize that my account has always been used in a legal and ethical manner, and I have never engaged in any activity that would be considered a violation of PayPal 's policies. 

I understand that PayPal takes its policies very seriously, and I fully respect the need to maintain a safe and secure platform for all users. However, I believe that my account was limited without proper cause, and I would appreciate the opportunity to have my account restored if possible. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue in a prompt and satisfactory manner. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit card or prepaid card

SYNCHRONY Bank automatically and without notice reduced the credit limit on the card from {$790.00} to {$380.00} which immediately reduced my credit score significantly immediately after I paid {$300.00} to reduced the balance on the card. Then a week ago SYNCHRONY Bank automatically closed the card advising me via phone conversation that the card was over the credit limit when the card was not over the credit limit/. SYNCHRONY Bank failed to credit a payment of {$100.00} made on the card two weeks prior to the closing of the card. There have been no delinquent or late payments payments due on the card. This is not the first problem I and other customers have had problems with SYNCHRONY Bank and it fraudulent banking practices. ( https : //www.complaintsboard.com/? search=Synchrony+Bank ). 

SYNCHRONY Bank had a habit of closing account for any alleged reason, continuing to bill the customer and in the meantime write off the balance on the card, sell the card to a debt collector and the debt collector attempts to continues to collect the amount owed on the card after SYNCHRONY Bank closed the card and collected funds. I am requesting a thorough investigation of SYNCHRONY Bank and its fraudulent banking practices which has caused harm to thousands of customers and losses to businesses whose finances/store/credit cards are managed by SYNCHRONY Bank.
Product: Credit reporting

I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.
Product: Credit reporting or other personal consumer reports

I have never had PORTFOLIO RECOVERY ASSOCIATES as a creditor. Per my research PORTFOLIO RECOVERY ASSOCIATES is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that PORTFOLIO RECOVERY ASSOCIATES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with PORTFOLIO RECOVERY ASSOCIATES In addition please provide the contract signed between PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX  ( XXXX ), XXXX. notarized and sworn under penalty and perjury for PORTFOLIO RECOVERY ASSOCIATES ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.
Product: Mortgage

This is a complaint against Shellpoint Mortgage Servicing concerning the mortgage escrow for my house at XXXX XXXX XXXX XXXX XXXXXXXX, FL. I am being overcharged escrow at {$660.00} per month. As a result, my mortgageis {$2800.00} a month. I want a refund for the overpayments and an adjustment to my monthly mortgage payments from {$2800.00} to {$2100.00} or less. When I inquired about my mortgage payment, which escalated from {$2300.00} to {$2800.00}, XXXX XXXX, Specialty Collections Consultant for Shellpoint Mortgage Servicing, provided the escrow table and stated in an email " It looks like there was an increase in your county taxes. '' Two of my mortgage payments have been put to the back of my loan because the escrow is so high. 

Attached are my XX/XX/year> mortgage statement, the Shellpoint Annual Escrow Account Statement, the XXXX  amortizationtables, XXXX XXXX property tax statement, and property insurance payment receipt. These documents will validate I am being overcharged by Shellpoint Mortgage Servicing. Below is thebreakdown. 

Yearly Payment Mortgage - Principal - $ XXXX Interest {$510.00} = {$1300.00} per month.Escrow Property Taxes - Property - {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} Solid Waste Disposal - $ XXXX Insurance - Paid for the year at {$5800.00}. 
Current Monthly Mortgage and Escrow Breakdown by month Mortgage - $ XXXX = {$1300.00} a monthPropertyInsurance - $ XXXX months = {$490.00} a month " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX months = {$230.00} a monthProperty Taxes - $ XXXX months = {$100.00} a month Current Total Mortgage and Escrow Per Month - $ XXXX Total Mortgage {$2800.00} {$2800.00} - {$2100.00} = {$660.00} overcharged I am being overcharged a minimum - {$660.00} or more per month
Product: Checking or savings account

My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts. 

I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency. 

It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.
Product: Mortgage

After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment fee and any associated penalties or negative credit reporting on my account mentioned above. Specifically, I am invoking my rights under 15 U.S.C. 1666c, which clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made by the due date or if it was received within any grace period provided. 
On [ Insert Date ], I submitted a payment for my credit card account, and I believe it was processed on time. Based on my understanding of the federal law and the evidence I have, this payment should not have been recorded as late. 
In light of the aforementioned statute, I request that the following actions be taken : 1. The removal of any late fees and penalties applied to my account for this alleged late payment. 
2. The correction of any adverse information reported to credit bureaus in relation to this incident.

3. Written confirmation that my account has been updated and no further action will be taken against me for this dispute.
Product: Credit reporting or other personal consumer reports

Once again have been trying to get an account thats is not mines off of my credit report and have asked Experian plenty of times to provide me with the information they received from the creditor of the account instead they send me a notice saying nothing is going to change on that account which violates 15 U.S.C 1681D Im requesting them to send me proof of everything that received on this account Account : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative at XXXX told me the bankruptcy on my credit report had been removed. I called back again and another representative told me the bankruptcy has not been removed nor was it ever disputed. I have asked for additional information regarding their dispute process and have received nothing. XXXX is required by law to verify the accuracy in my record with the courts. The representative at the courts has confirmed I do not have a bankruptcy. The representative at the court also confirmed no one from XXXX has contacted them for verification. XXXX is not properly researching negative items on my report. If the negative items are not removed from my report, I plan to pursue this matter to the fullest extent of the law.
Product: Debt collection

About 6 years ago I XXXX and was charged {$240.00} in co-payments for all the medical procedures. I paid off the debt when I could about a year later with the agreement that West Asset Management will completely remove it from my credit reports. They have not done that still, and it is now 2016. They were also not forthcoming on proving that I actually owed the debt, as I thought I had paid XXXX the entire time. They stated they had no requirement to do that, which I know is against the law. I would like them to verify the debt if they can, and honor the agreement they made to remove the false reports. Furthermore, I would like them to note that the debt stem from the same nucleas of operative fact and are not indeed {$90.00} and {$150.00} collections, but a single debt.
Product: Debt collection

Portfolio recovery llc has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!
Product: Debt collection

Company has a bill with the wrong address. And they say, this was a correspondence over time. With the wrong address? This shows the bill is made up my address is XXXX XXXX, all the bills say XXXX XXXX. Also, I loved to XXXX XXXX in XX/XX/2018, they have bills addresses XXXX XXXX. I was living at a previous address until XX/XX/2018. This shows, the bill is not authentic.
Product: Checking or savings account

On XX/XX/2019, I walked into a Bank of America branch at XXXX, Georgia to open an account with my brand new social security number, which I received on XX/XX/2019. The officer started the account opening process and when she got to the last stage, she said she couldn't complete the process because of risk closure. She gave me a number to call and she said it's the risk closure number. I called the number and I was told it was the decision of the bank not to open the account, that I can proceed to other financial institutions to get an account. To my amazement, I got a mail from bank of America, few days later stating that they closed " my '' account and I shouldn't make any transaction on the account. Now this is the account that I was told they couldn't open in the first place. I wasn't given any account number at the bank, nor given any paperwork, so where is this coming from? They even threatened me in the mail that they would report me to XXXX XXXX XXXX and XXXX XXXX. For what exactly? I never had any transaction with this bank. I went there with brand new social security number and New IDs, so what's my offence?? Ever since I got this mail from them, I haven't been able to open account at any other bank, they claimed there was a report from XXXX XXXX XXXX, all these happened after bank of America told me they would report me to XXXX. I never had any issue involving any bank! So what's going on? At the end of XXXX, bank of America sent me a bank statement all in XXXX dollars, claiming it's for my account, which is a surprise because they told me they couldn't complete the process! So where is the account number and statement coming from?? Now their report to XXXX XXXX XXXX has prevented me from opening account with other Banks. I never had any transaction with the bank of America, why did they say they would report me? For what? This is frustrating! All documents I took to the bank for account opening were brand new! including my social security number.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Checking or savings account

I submitted my paycheck of XXXX dollars to the Bank of America XXXX XXXX in XXXX, Colorado at XXXX XXXX XXXX, XXXX Colorado XXXX. 

I was informed Bank of America would have my paycheck from my employer the following day. Bank of America put a two week hold on my funds, my money and I cant access it until XX/XX/XXXX. 

I tried going to the financial center that morning to where the XXXX told me she said she couldnt guarantee there wouldnt be a hold which never happened, she never had said anything about a hold. 

Regardless, a regular hold is to be accepted yet a XXXX week hold, with the private consumers money is questionable. 

I tried calling their service, they told me they didnt know why the hold was there but many checks have been held. I spoke to management over the phone and the same thing. 

My XXXX  is suffering from XXXX and I have to find a way to see her in Oklahoma, as I live in Colorado. Bank of America is refusing to allow me access to my money that I deposited with no official reason. 

I am very concerned with this issue, that a private institution can hold someones money for two weeks without any legal reason.

Oh they also took the money from my bosss account already and then hold it. The money does not belong to Bank of America. 

Thank you so much for your time in reading my report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to provide proof to Toyota Financial Services that there was no late payment made on my XXXX XXXX XXXX account # XXXX. I have already opened a case for which I received a response but, unfortunately, whomever reviewed the case missed the mistake made when XXXX posted my payment in XXXX of XXXX. XXXX sent an itemized list of my payments and when I reviewed this list, it became clear to me where the mistake was made and how it threw off the proper recording of payments between XX/XX/XXXX and XX/XX/XXXX. I have included a copy of my payment report, here. If you go through this report from the beginning, XXXX payment at a time, you will see that the XX/XX/XXXX payment ( the payment that is reported as being late ) was, in fact, paid and posted to the account XXXX days before the due date of XX/XX/XXXX. The mistake that throws everything off is in XX/XX/XXXX when the XX/XX/XXXX payment was assessed but WAS NOT MARKED FOR XX/XX/XXXX. Instead, the XX/XX/XXXX payment, once posted, was marked as the XX/XX/XXXX payment. As a result, all the ensuing payments were marked XXXX month off. When I traded my car in for a new model in XX/XX/XXXX, I was told not to make my XX/XX/XXXX payment, however, XXXX was calling me that they hadnt received the XX/XX/XXXX payment so I made the XX/XX/XXXX payment anyway on XX/XX/XXXX ( well within the 30 day grace period ). Unfortunately, because of the mistake a year earlier, XXXX thought that the XX/XX/XXXX payment was for XX/XX/XXXX ( because all the payments from XX/XX/XXXX were mismarked XXXX month behind ) when that XX/XX/XXXX payment was actually for XX/XX/XXXX. That last payment on XX/XX/XXXX was even refunded by XXXX because it was considered an extra payment after my new lease. NOTE XXXX : I need this corrected on my XXXX XXXX as soon as possible as I am trying to buy a home right now and this has damaged my ability to do so by unjustly lowering my XXXX XXXX. NOTE XXXX : I don't authorize Toyota Financial Services to run a XXXX XXXX on my XXXX XXXX again
Product: Credit card

The date Capital One has of the first delinquency doesnt match what I have. Under 15 USC1681 BE The creditor must provide maximum possible accuracy, and Im taking into consideration the CFPB is suing the creditor as well. I'm also requesting full disclosure of the XXXX of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information Regions Bank is reporting on my credit report is false and inaccurate. 

1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. XXXX  is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account.
Product: Credit reporting or other personal consumer reports

As I previously reported in my last complaint. That went completely unaddressed. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX. 
I am not asking for an re-investingation. I am stating that there is information missing.