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

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.Equifax, XXXX and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initiated a dispute with Experian on my mortgage tradeline with XXXX XXXX XXXX On XX/XX/year>, the results of my dispute were provided to me. 

For this dispute, I provided several bank account statements, from varying accounts and institutions, to evidence my timely payment of each monthly mortgage bill. The bank statements evidenced the following : XXXX payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> Experian conducted a frivolous investigation to the matter by simply requesting a response from the Creditor, who certified that my payments were late. The creditor 's erroneous records show -no payment for XXXX -a received payment on XX/XX/XXXX that doesn't exist on bank records -a received payment on XX/XX/XXXX that was returned for insufficient funds, despite bank records showing sufficient funds on the running balance throughout the month -a return of the XX/XX/XXXX payment on XX/XX/XXXX, despite bank records showing no return of funds at all. 

I believe the fact that the creditor 's records are incongruent with multiple bank institution records shows that XXXX XXXX XXXX records are erroneous, and yet, Experian made no effort to investigate further, nor to acknowledge our evidence. 

The very purpose behind my dispute was to provide evidence to Experian to show that I made my payments on time, that the money was debited from my account on the payment dates, and that the creditors records are incorrect. 

Their resolution was unacceptable, as they merely asked the creditor to verify their own information, and once the creditor verified it, the investigation was concluded with no change to my credit report. 

This resolution is in contrast to the one I received from XXXX, where they promptly corrected the tradeline on my credit report upon reviewing my evidence. 

If my credit score is a number that reflects my creditworthiness, then ultimately, the proof of my payment should support my creditworthiness, not the erroneous receipt records of the creditor. The decision to ignore my evidence of timely payment shows that Experian is unwilling to assist in ensuring that creditors report accurately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!
Product: Credit reporting

On XXXX XXXX, 2016 I was informed that TransUnion investigated my complaint regarding a disputed debt that I had no personal knowledge or any information from any source regarding the alleged debt. I contacted TransUnion on XXXX XXXX, 2016 and was given to a representative in XXXX who kept on stating that TransUnion did a proper investigation that substantiated that the debt was valid. I said that no one contacted me and showed me any documents that supported this unknown debt. The representative indicated that TransUnion had no responsibility regarding this matter except for contacting the collector. My understanding of the law is that the credit agencies have a legal responsibility to ensure that no fraudulent information is provided to the public regarding an individual. This activity on behalf of TransUnion and the collection agency, XXXX XXXX XXXX XXXX XXXX MA is against public policy and should be investigated and stopped. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third letter to your company. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX : XX/XX/XXXX/25 XX/XX/XXXXXX/XX/year>25 XXXX XX/XX/XXXXXX/XX/year>25 -XXXXXX/XX/XXXX ; XXXX XXXX/XXXX/25 TRANSUNION : XXXXXX/XX/XXXX XX/XX/year>25 -XX/XX/XXXXXXXX XX/XX/scrub>/25 -XX/XX/XXXXXXXX/XXXX/25 -XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXXXX XX/XX/year>25 XX/XX/XXXX XXXX XX/XX/scrub>/25 -XX/XX/XXXXXXXX/XXXX/25 XX/XX/XXXXXX/XX/scrub>/25 -XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXXXX ( Hotel and Travel ) XX/XX/scrub>/25 XXXXXX/XX/XXXXXXXX/XXXX/25 XX/XX/XXXX XX/XX/year>25 XX/XX/XXXXXXXX XXXX/XXXX/25
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. 

First and foremost, I firmly believe that this limitation is the result of an error or misunderstanding. To the best of my knowledge, I have always adhered to PayPal 's policies and guidelines. I have never engaged in any activities that would warrant such a restriction on my account. 

I kindly request that PayPal initiates a thorough re-investigation of my case. I am eager to cooperate fully, providing any necessary documentation or information to help resolve this matter promptly. My objective is simple- to have my account reinstated, allowing me to continue using PayPal for my financial transactions. 

PayPal has been an essential part of my online financial activities, providing a secure and convenient platform for my transactions. Its services have been invaluable to me, and the limitation has disrupted my financial affairs significantly. 

I understand that PayPal must maintain the highest standards of security and compliance. However, I respectfully urge you to reconsider my case, as I genuinely believe that the limitation was imposed in error. I am confident that a re-examination of the facts will confirm my adherence to PayPal 's policies. 

I sincerely hope that we can resolve this matter promptly and amicably. I remain committed to complying with PayPal 's policies and using the platform responsibly. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial Services continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence , Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

On Friday, XX/XX/XXXX, I contacted IQ Data about a settlement offer. The representative offered 90 % which was actually 10 % off of the balance. I have left multiple messages for a manager to contact me regarding my account. The balance owed is not correct. They are charging interest. The customer service representatives are not helpful. I can not register to make a payment online and I am trying to resolve this issue. On XX/XX/XXXX, I also talked with XXXX XXXX and he indicated that my account has to be paid in full and communicated that they dont have to give me a settlement or accept payment arrangements. He also indicated that the payment arrangement were no longer valid because I declined. He told me to use my credit card or ask family. Moreover, I requested to speak to a manager about this on today. I am being transferred to a voicemail but no one is calling back. XXXX was not helpful at all. I emailed compliance regarding this but no one has responded.
Product: Credit reporting or other personal consumer reports

My address, name, and social should only be reporting what I have listed in this dispute. I have attached the proper documentation as proof of my personal information this needs to be updated immediately.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates that we expunge any incorrect accounts from my credit report. Can you inspect the documents? Some accounts have inaccuracies in the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I opened a PayPal account about two months ago, since then I have been able to only complete two transactions and even that was difficult. I have verified my identity and banking information, I have a verified email and phone number, no history of fraud in general or with the company. Every transaction I try to complete is Denied. They blame the banks for this and act like they play no role in it, but all my accounts linked to PayPal give an alert for a declined transaction and never once have I gotten one and the banks dont even see an attempted charge! First for me to send money or make a payment it wants to send me a code to verify my identity. Shouldnt be an issue Since I have a verified number on my account. Well that number doesnt show up as an option and when i enter it to add it it says this type of number can not be used! Its a XXXX  post paid phone number in my name! Someone was able to send me money but it was denied by PayPal when I tried to transfer it out! It wouldnt allow me to refund it out because it wanted to send me a code to my verified number that they struggle to figure out. I was forced to send the money as a bill payment to XXXX just to get it out of PayPal because I do not trust to have any funds held in their control. Ive Been blocked from being able to utilize almost all the services they offer. When I call In its a different story every time, the most common story is their security systems blocked it. Well i have a right to know if there is a security issue with any of my personal information. In fact they are obligated by the patriot act to inform me of any negative information that leads to a denial in hopes to catch if money laundering is taking place. They offer no remedy and the people you get on chat or the phones are a special breed of their own
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my credit score had dropped. When I called Experian, they stated that I was more than 150 days late on payments in XXXX. I asked them why you are reporting on something last year. They said that XXXX reported it. I called XXXX, and they stated that no one had reported my account as late for this year. XXXX noted that I had late payments in XXXX but nothing for this year. XXXX said they would send me a letter and let Experian know that I have not been late on any payments for XXXX, and they have not reported a negative on my account. When Experian settled my dispute, they said XXXX said I was still late. When I tried to look at my history for the late payments, Experian blocked that view. They reported my payments as late and dropped my credit score by XXXX  points. I have no payments due currently after I lost my job. Between Experian and XXXX, someone is damging my credit score on purpose. When I was going to dispute with the other two credit agencies ( XXXX and XXXX ), there were no late payments to dispute. Experian dropped my credit score by going back to XXXX.
Product: Student loan

XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you
Product: Checking or savings account

I logged into my account and attempted to use the XXXX feature to send money. All of a sudden the app kicks me offline and says my account is temporarily XXXX. I called the banks customer service and inquired about the issue. The customer support was very rude and not of any help. They refused to tell me the reason my account was XXXX from online access and stated I must wait XXXX hours. They completely closed off any visibility of my account without letting me know.
Product: Student loan

I have federal direct loans in repayment. I utilize autopay through MOHELA, and my payments have never been missed. Up until the month of XX/XX/XXXX my payments are visible on my Federal Student Aid account. I have continued to make payments via autopay just as I always have. At the time of this writing I have made payments for the months of XX/XX/XXXX and XX/XX/XXXX. However, these XXXX payments have not been reported to Federal Student Aid. I spoke with Federal Student Aid who confirmed that these payments have not been reported to them.
Product: Checking or savings account

A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error. 

It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.

If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate. 

The bank must then resolve the issue in 45 days. 

These time frames has long past and the credit has still not been made..
Product: Payday loan

I have a loan through a loan company and they have been calling my work place over and over again even after I asked them not to call.
Product: Student loan

They offered me payments of {$120.00} a month I have been paying that for years and just recently found out that only covers interest they should have told me that so I could make a better decision why would I waste years paying only interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of HIPPA Regulations I sent a debt validation letter to XXXX XXXX XXXX , XXXX, and the company has failed to validate my debt. Instead they sent me a list of medical procedures ( copy enclosed ) which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing XXXX XXXX XXXX , XXXX, to have access to this information, and no copy of such authorization bearing my signature has been provided to me because none exist. XXXX XXXX XXXX , XXXX, has violated my HIPPA rights.
Product: Checking or savings account

I have an account with navy federal and I suffer from XXXX  I had an episode went to the hospital and someone used my account in the process to deposit a check and withdraw the funds. I have no way of knowing who did it because I was in the hospital and it left my account in the negatives how do I fix it because I cant open a bank account now