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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$94.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

my names XXXX XXXX XXXX. i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my XXXX  's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. paypal reference : XXXX paypal email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX Assistance XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Consumer Solutions XXXX XXXX 2000 XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).
Product: Credit reporting

transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud XXXX  name is XXXX XXXX Second you state i open a loan at your branch XXXX XXXX XXXX XXXX on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness also added my info
Product: Debt collection

Navient keeps repeatedly calling me regarding a late payment. They are calling over 5 times per day & they don't leave a message so that way there is no trail of their calls, but my phone documents all their calls. I have a futurecpayment all ready scheduled to come out of my account & I can see the pending payment in they're system, so why can't they? Everytime I tell them they are harassing my, they say there is no limit on the amount of times they can call me, so they're calling me all day & not leaving messages. To me this is unacceptable & I form of harassment.
Product: Mortgage

I am yet again having issues with forced-placed flood insurance issued by Roundpoint Mortgage Servicing. I have repeatedly provided them with proof of my condominium association 's flood insurance by multiple means listed on their website ( it still says you may email documents, and an agent told me this was still available, yet when I called again another agent told me the e-mail address was no longer functioning ). Despite this, I received an acknowledgement of receipt of my email by Roundpoint 's servicing department weeks ago. I also uploaded the documentation onto the website over a week ago, with no response except my escrow analysis which now claims I will owe an additional {$300.00} a month in escrow payments due to this duplicative and unnecessary force placed flood insurance. Roundpoint needs to immediately fix this error and oversight on their part, as well as address this miscommunication issues within their insurance department. My condominium association has a constant and continuing policy that is automatically renewed every year. The current process is burdensome and rife with errors on Roundpoint 's part. I want issuance of the force placed insurance reversed immediately and credited back to my account, and a new escrow analysis to be performed.
Product: Payday loan, title loan, or personal loan

XXXX XXXX is telling me something is not right because the company didn't do a right to cure I telephone the police and asked them they said it was not a cure on that vehicle.
Product: Checking or savings account

Went to bank of America opened a account. Deposited and cashed a couple smaller checks. 
Took my check for my rent to bofa on the XXXX of the month to deposit in person. Teller said the check would be released in 3 buisness days. I was upset because I get charged late fees after the XXXX so 3 buisness days was on the XXXX. I also have car insurance and other necessities that I need to pay. They didn't even give me XXXX $ I for my gas or food or anything. The check in total was XXXX XXXX I have called multiple times to bank branches and sit on hold to get no help So I wait till the XXXX and check my account. They changed the hold date now till the XXXX at XXXX so actually the XXXX I will be able to pay rent.if.i don't get a pay or quite. I am charged XXXX $ and XXXX $ a day after the XXXX plus if I get a pay or quite on the XXXX or XXXX then I pay a XXXX $ in legal fees on top of all the late fees... I have no money rt now and that check was everything... 
I went into the bank today augest XXXX and spent a hour and got nowhere. They gladly cashed my XXXX $ check and I called the payee of the check and the check money has already been removed from the payers account on the XXXX. The next day after I brought the check in.. 

I have called the bank, spoken with supervisors, the only reason they put a hold in the first place is because of my appearance... The manager literally looked at me and looked back at the teller and shook his head yes and they held the check It is now the XXXX and I have spent hours trying to get to this point..
Product: Credit reporting or other personal consumer reports

I had a past due XXXX account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining XXXX  balance. My XXXX balance is {$0.00} and paid in full. 

Yet XXXX refuses to update their records. XXXX claims I still owe {$190.00}. XXXX says I owe {$190.00}, XXXX XXXX Equifax say I owe {$510.00}. 

When I contact XXXX they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to XXXX and to contact XXXX 

I have even done a XXXX way call between a XXXX XXXX manager and XXXX and still XXXX claims I owe. 

I have submitted all my payment receipts and XXXX XXXX letter cetfirying I have paid my balance and XXXX  refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet XXXX has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due XXXX  balance even through I paid it. 

Everytime I call into XXXX  they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont help. 

XXXX also responds with no they cant reopen my account and I never asked them to reopen my account I will never use XXXX again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with XXXX says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and XXXX new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? XXXX refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and XXXX refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to XXXX  yet XXXX still doesnt update anything. 

This isnt fair I paid off my account and XXXX is still penalizing me with a past due balance on my credit report.
Product: Student loan

On two occasions, most recently on XX/XX/year>, I submitted a request to change the bank account from which my automatic payments ( AutoPay ) are debited. I received confirmation from the online system indicating that the change had been completed as well as an email that a change had been made. Upon logging into my account on XXXXone day prior to the next payment being withdrawnthe old account was still reflected as the source of the next payment as if no change had been requested.

To repeat, this was the second time this has occurred since my loans were sold/moved to Maximus Education XXXXAidvantage . The first time was only resolved after various discussions with customer service that while confirmed through the online screen flow, a change is only considered processed days or weeks later by a separate notification ( I was told through a XX/XX/year> chat with a representative that it took 11 days at the time and have attached the transcript ). This means a borrower has to make a request and wait a random amount of timepossibly past their next payment dateto find out whether they will get lucky and have their payment deducted from the correct account.

That first occurrence caused an issue for me because the original AutoPay account had been closed ( hence the change request ), so I had to make a manual payment from the correct account to keep from being reported late. This seemed suspiciously like a revenue generation technique to force borrowers toward default. Regardless, any competent financial institution should require no more than 24 hours notice to update which account a payment will be withdrawn from and should be able to clearly delineate how that process works. To prove my point, I never had a single issue with changing my payment account before my loans were sold to Maximus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX  ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 

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

First dispute letter was sent on XX/XX/2021, the second was sent on XX/XX/2021, third letter sent XX/XX/2021, fourth letter sent XX/XX/2021, fifth letter sent XX/XX/2021, and final XX/XX/2021. There has not been any verifications or proper updates to the credit reports. 

The disputes and letters was sent to all three credit bureaus. XXXX  Consumer, XXXX, and Equifax. I have been disputing this for months and begging for removals and verifications. I have not received anything. I should not have any derogatory items reporting on my credit report. All items in collections should be removed as requested!
Product: Debt collection

I called Portfolio Recovery Associates Llc XX/XX/year> to see if i can lower my garnishment payment that has not gone into effect. The representative told me she can not help me with lowering garnishment. I got an email from the court stating that I can call plaintiff to negotiate a lower garnishment. I made several attempts to talk to someone at Portfolio Recovery Associates to lower my garnishment, everyone i spoke to told me there's nothing they can do for me.
Product: Credit reporting or other personal consumer reports

Im just trying repair my credit and to do whatever to fix my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this : - Also they have violated my rights even more.

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 now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal. 

They also violated the law because according to 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 an account without my writtan instructions. 

I did not give anybody writtan instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Incorrectly reporting my fully paid XXXX XXXX XXXX  account with XXXX balance as in collections ; In XXXX and XX/XX/2021, XXXX failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete I C. System ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX/XXXX  collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, XXXX and I. C. System refused to provide me notice and/or proof of XXXX XXXX XXXX/XXXX-XXXX  or I. C. System {$340.00} alleged debt. See Attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX have not investigated or responded to disputes of my credit report.
Product: Credit reporting or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to inform you of an issue that I am currently facing with Capital One. Recently, my account with Capital One was closed due to an error in their app. Specifically, one of my payments was returned from the app due to a glitch in the system. Unfortunately, Capital One decided to close my account as a result. 

Despite this, I have been making my monthly payments to Capital One even after my account was closed. However, I have noticed that they have been reporting inaccurate information to the credit bureaus. This is obviously a serious concern for me, as it is impacting my credit score and making it difficult for me to secure loans and other forms of credit. 

I would greatly appreciate your assistance in resolving this matter. It seems unfair that I am being penalized for an error in Capital One 's app, and I would like to ensure that my credit score and financial standing are not negatively impacted by this incident. 

Please let me know if there is any further information I can provide to assist with this matter, and I thank you in advance for your help. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have disputed XXXX XXXX on my experian and XXXX credit reports. I get a message back a few days later saying they investigated it and its mine. I 've also sent XXXX XXXX a letter asking them to validate the debt. They have been unable to do so. Since they are unable to validate the debt it should be removed from my report. This company was already sued for trying to collect debts that were not correct.
Product: Vehicle loan or lease

I called the company who is in charge of my loan they told me that I would have to send them proof of being in the military/ my military orders. I sent them then I called they said they had never received them so I sent them again they said it would be updated in a day or two has yet to be updated and its almost been a month. My APR is 21 % but since I am in the military it can not be over 6 %.
Product: Checking or savings account

I responded to a brochure describing a checking account that once opened would give you a {$200.00} bonus once you initiated direct deposit of social security benefits if received within 60 days after opening. I opened one XX/XX/XXXX and that same day redirected my soc sec direct deposit from XXXX XXXX to this bank BBVA Compass. However it will not occur until XX/XX/XXXX missing the 60 day cutoff due to soc sec inability to do things fast enough. 
I tried to get an answer from BBVA about whether I could still get the bonus considering these circumstances but they will not commit to it.
Product: Checking or savings account

Amex close my saving account without notification. Amex sent my left fundings by check. However, I am moving out from my current address and unable to receive the check in my current billing. I already sent Amex the Bank Check Stop Payment and Indemnity Agreement by fax for check being replaced and resent to my new address on XX/XX/XXXX. And Amex informed that they would contact me by XX/XX/XXXX. 

Amex did not respond by XX/XX/XXXX.