23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX declined credit based on bankruptcy information being reported by Navy Federal. The bankruptcy was discharged in XX/XX/XXXX. 
I requested Navy Federal remove this information and they refused.

( The information from Navy Federal shows as 'Reaffirmation ' of a vehicle loan that was never delinquent and was paid in full/on time in XXXX under the original loan terms. ) Personnel at XXXX and XXXX advise that the 'Reaffirmation ' notation should have been removed by Navy Federal because it was signed in XX/XX/XXXX and clearly indicates information that was purged in XXXX. 
XXXX and personnel at XXXX, XXXX and XXXX advise that Navy Federal is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation ' is always indicative of a bankruptcy ; in this case, a bankruptcy that should have been removed from all direct and tangential references since XX/XX/XXXX. 

Here is the information from Navy Federal : Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. Navy Federal records indicate that the loan account ending XXXX for the XXXX XXXX was reaffirmed during the bankruptcy process, and was paid/closed on XX/XX/XXXX. Please be advised that we are unable to remove legitimate account information from your credit report, as these details constitute your credit history and we are required to comply with federal regulations. Valid credit records may not be altered. Therefore, we are unable to grant your request. We regret that we could not provide you with a more favorable response.
Product: Student loan

Refund was requested on XX/XX/XXXX for student loan payments made during the XXXX XXXX forebearance as recommended by Mohela. I was told refund would take up to 90 business days. As of XX/XX/XXXX, I have yet to receive the refund. However, the account balance of my loan has reflected an increase of nearly XXXX XXXXXXXX, the amount of the refund anticipated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially XXXX, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX ME XXXX AT XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX Balance : {$1700.00} ; XXXX CARD XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One Banks failure to deposit my direct deposit from my employers and any other incoming deposits. Capital One had cited technical issues, which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

After pulling my credit reports, I noticed an account listed as Portfolio Recovery that I was not familiar with. On XX/XX/XXXX, I drafted letters to all 3 credit bureaus asking them to verify that this account did in fact belong to me as I have had several accounts listed on my credit report that did not belong to me. In this request, I have asked to provide proof that this account did in fact belong to me per my rights as a consumer. I have received correspondence from XXXX  and XXXX  that the account had been " validated '' and " updated ''. On XX/XX/XXXX, I then sent another letter to all 3 credit bureaus asking them to provide their method of " validation '' and to provide proof, I also sent a request to Portfolio Recovery as well to verify that this account did in fact belong to me. I received responses again that the accounts have been " validated '' and " Updated '' I also received letters in the mail from Portfolio Recovery dated XXXX that they took over this account and a copy of a bill. Both were addressed to a address that does not belong to me. Additionally, this document only verify that an account exists, and does not verify that this account belongs to me. On XX/XX/XXXX, I sent certified letters requesting proper verification of this account. Again, I received the same correspondence from the credit bureaus and the same exact letter from Portfolio Recovery. On XX/XX/XXXX I mailed yet another certified letter requesting proper investigation, proper documentation that verifies this account belongs to me and I received a note back from XXXX  dated XX/XX/XXXX that this account has been " validated '' and " Updated ''. It appears that they are simply " validating '' and " updating '' the record with monthly updates from Portfolio Recovery. To date, they have not done a proper investigation, or provided any proof that this account does in fact belong to me and have violated my rights as a consumer.
Product: Mortgage

MR. COPPER OR NATION STAR MORTAGE HAS WITHHELD {$2000.00} PAYMENT FROM US. THEY SENT A CHECK TO XXXX XXXX HOWEVER XXXX XXXX   REFUSED TO CASH THE CHECK BECAUSE THEY HAVE NO RECORD OF AN ACCOUNT IN OUR NAME. THIS ACCOUNT WAS DISCHARGED IN A XXXX BANKRUPTCY.. 

AGAIN, XXXX XXXX TOLD US THEY CAN NOT CASH THE CHECK AND RETURNED THE CHECK TO MY WIFE AND I ; WITH MR. COPPER OR NATION STAR MORTGAGE NAME ON THE CHECK.

NOTE : WE WENT TO A LOCAL BRANCH OF XXXX XXXX AND THEY TOLD MY WIFE AND I THEN, IN XX/XX/XXXX THEY COULD NOT CASH THE COOPER CHECK. 
PLEASE INVESTIGATE MR. COOPER / NATION STAR MORTGAGE AND HAVE THEM REFUND THE MONEY TO US $ XXXX/
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and XXXX, I am writing to bring to your attention an important detail regarding the dispute process for accounts listed on my credit reports. Upon checking my credit reports on XX/XX/XXXX, I discovered discrepancies and immediately initiated the dispute process. 

It is crucial to note that Jefferson Capital Systems reported the account in question just this month, in XX/XX/XXXX, following my initial dispute. This timeline is significant as it suggests a direct response to my actions in questioning the accuracy of the reported information. 

I want to emphasize that this sequence of events reinforces my concerns about the accuracy and legitimacy of the reported account. It suggests a reactive rather than proactive approach to reporting by Jefferson Capital Systems, which raises doubts about the integrity of the reported information. 

I urge you to consider this timeline in your investigation and review of the disputed account. It further underscores the urgency and importance of resolving this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your thorough investigation and prompt resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$3000.00} from Lendmark twice and I owe them XXXX in total. However, the loan on my credit is showing for {$10000.00} due to nonpayment due to hardship. Lendmark will not allow me to pay under the set amount which is {$240.00} and any time. They informed me that they went to court on XX/XX/year> for a judgement. Due to me paying the past due balance my wages was not garnished. I was never informed of the court date to attend. As of yesterday ( XXXX ) the XXXX XXXX ( XXXX ) informed me that their XXXX will be filing court proceedings after the XXXX XXXX due to 3 months of nonpayment. He informed me that hes taking others to court for being 30 days behind. I feel threatened and harassed by this company and not to pay my debt because I will but to be treated poorly is unacceptable. The {$4000.00} increase is questionable and informing me that I have to pay {$240.00} for the next 7 years is absurd.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received. 
1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received. 

The bank did not handle the disbursed funds as instructed as they were never received. 
I wasnt the XXXX $ they NOW owe me.
Product: Bank account or service

On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Bank of America 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were " processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was " processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also " processing '' during the same time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I HAD TRANSFERRED MY PHONE LINES OVER FROM SPECTRUM TO XXXX BACK IN XX/XX/year>. THE REP FROM XXXX CAME OVER AND TRANSFERRED ALL MY LINES FROM SPECTRUM/CHARTER RIGHT INFRONT OF ME. I DIDNT KNOW I HAD A BALANCE TO PAY AFTERWARDS. WHY LET SOMEONE EVEN GET THAT FAR. IF I KNEW THAT I WOULDNT HAVE SWITCHED. ANYHOW THIS CBE/CHARTER SHOWED UP ON MY CREDIT AND ID LIKE IT REMOVED AS IM A XXXX XXXX  AND NOT WORKING AND SECONDLY I DIDNT KNOW I HAD TO PAY ANYTHING BACK YET THAT MY CREDIT WOULD TAKE A HIT IN THE PROCESS. I FEEL THATS NOT RIGHT IF THESE COMPANIES ARE IN COMMUNICATION WHEN IN THE TRANSFER PROCESS IT SHOULD NOT EVEN ALLOW ONE TO CONTINUE ON IF CUSTOMER HAS A PRIOR BALANCE TOO. SO THATS SPECTRUMS FAULT AS THEY SHOULDNT HAVE EVEN WENT THROUGH WITH THE PROCESS AS I APPARENTLY STILL HAD A BALANCE AND THE TRANSFER WENT SMOOTHER ON MY END AND XXXX TOOK THE PHONES I HAD GOTTEN WITH SPECTRUM IN FOR THE TRADE INS
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently submitted my dispute over 30 days ago and there was a failure to respond.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Hello, I'd like to file a complaint against PayPal for not protecting me against fraud. 

I bought a product online and at the time of purchase, the seller offered free returns. I paid for the product through PayPal. I received a different and totally inferior product. I contacted seller, and despite my several requests for a full refund, the seller offered only a partial refund, plus the seller never sent me a shipping label, so I can return the bad product ( again, despite my numerous requests for a shipping label I never got XXXX ). Therefore, I turned to PayPal and their XXXX XXXX XXXX. 

Much to my dismay, PayPal told me several times that I must be responsible for the return shipping costs, disregarding the fact that the seller offered free returns at the time of purchase ( and I even sent PayPal a screenshot from the seller 's online offer ). 

I tried to explain numerous times to PayPal ( talked to XXXX PayPal dispute officers and a supervisor ) that I am ready and willing to return the bad product as soon as the seller sends me a shipping label, and I explained also that if I pay for the return shipping costs then I will get less than what I paid for the different, inferior product. Unfortunately, all my efforts were in vain, and PayPal closed the dispute in favor of the seller. In addition, the PayPal supervisor, XXXX, refused to close my acount when I asked him to. 

I will appreciate any help you can provide, so I can get a full refund, and close my PayPal account. Again, I am ready and willing to return the bad product as soon as the seller sends me a shipping label. 

Thank you! 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I am writing in regards to my property located at  XXXX   XXXX   XXXX . I have filled many previous complaint with your office.     I received a letter from Nationstar Mortgage dat e  d  XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until  XX/XX/XXXX  to cure the default. If the default it not cured by  XX/XX/XXXX  it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property.     Before I could respond to the letter I got a letter from Nationstar 's atto rney   XXXX   XXXX   XXXX   XXXX   XXXX  . This Letter  is dated    XX/XX/XXXX   a nd states that they are foreclosing on my property listed above.        XXXX   XXXX   XXXX   XXXX   XXXX   's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My   XX/XX/XXXX   statement says that I owe them {$100000.00} to bring the loan current. M y  XX/XX/XXXX  s tatement says I owe them {$100000.00} to bring the loan current. Also the    XX/XX/XXXX  st at es that my payment is {$1100.00} with {$1100.00} going to interest and  XXXX  going to escrow. My    XX/XX/XXXX      statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page  3  of the statements ) that states my payment amount is {$1700.00}.     I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n  XX/XX/XXXX . T hat letter from  XXXX   XXXX  that I received  on 2/14/11  stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from  XXXX   XXXX  should also prove that  Statue of Limitation  to Collect on a promissory note has expired.     I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that  one  loan for my  1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures?     Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.
Product: Credit card

Citi is offering a Flex Pay promotion where if you use your Citi card with XXXX XXXX you get a {$0.00} fee for a XXXX month Flex Pay plan. Advertisement attached. However, when I tried to use this for a XXXX XXXX XXXX charge the company assessed a {$15.00} fee despite the purchase being made on XXXX XXXX and being otherwise eligible for Citi Flex Pay. When calling customer service, I was told nobody at Citi could rectify this, as its online only, which is abhorrent. Its as if they put out the offer knowing there was no way to enforce it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have contacted XXXX, XXXX and Experian several times asking them to update my address to XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at the following : XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), credit card XXXX  on XXXX XXXX under account number ( XXXX ), credit card XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned credit accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, and I still have not received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 

Certified XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX