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

Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report violanting the law FCRA To Whom It May Concern, I am writing to file a formal complaint against [ Credit Bureau Name ] for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : MT XXXX - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.
Product: Debt collection

Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor (  XXXX   XXXX   XXXX   )  or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report, and I've disputed it many times with them. Each time they come back and tell me its verified through either the Bankruptcy court or XXXX  However, pursuit to the FCRA, this is inaccurate reporting. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit card

I have a credit card dispute ( XXXX ) ; a merchant double charged me but after the first complaint only gave me a portion of my money back. I have the receipt, but Bank of America will not allow me to upload this to show what the charge should be. Based on BOA consumer agreement Article 8 ( A ) it states, and I quote Article 8. Error Resolution Procedures for Consumer Accounts A. In Case of Errors or Questions About Your Electronic Transactions Send us a secure online mail message or call us at XXXX They have no way for me to send them a secure message though their agreement for a Consumer Account is clear that they will take secure online mail messages. They should take this receipt so I can prove the charges and pay accordingly. I have uploaded the file here to show the receipt.
Product: Credit reporting or other personal consumer reports

I have disputed this on my report and asked them to provide me with who reported this and how they got it. They refuse to send me anything and keep stating that it's correct, I want proof of how.
Product: Checking or savings account

XX/XX/XXXX I woke up and my money was gone I talked to support they told Ill get provisional credits now they telling Im not getting my money back and I didnt take it off my card
Product: Student loan

I submitted a request to refund about {$7000.00} of my Aidvantage student loans on XX/XX/22. I have yet to have my balance update to reflect that, or hear any word ( well past the initial 6-8 week timeline they gave me ). I have called several times and continue to hear different estimates in terms of how long until I will receive this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from Kia Finance to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to Kia Finance, the lean holder. Kia Finance returned the check to XXXX XXXXXXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time Kia Finance is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be XXXX and it's affecting my credit really bad.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I noticed that was fraudulent accounts on my credit report I reached out to the companies and the bureaus to remove these accounts and they failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

I made a payment of XXXX to pay off my loan. Got pay off documents. I should have not received this because I still owed XXXX Later got an email that I owed XXXX on the loan. Now got an email that I owe XXXX apparently because there were XXXX payments made off XXXX and XXXX returned to my bank and they sent me a refund of XXXX. My loan should have been and was closed just to be reopened to late fees, interest fees and a XXXX debt in their error. I do not have a refund so Im getting interest charges on something I can not pay. They also added a return check fee and a late charge. I feel like this is possibly something they do to keep you in a loan with them. I sent a notice of error letter overnight on XX/XX/22 stating there was an error. In which they would have 7 days to correct the issue but I received nothing but payoff documents. No response at all to this day. If there were XXXX payments should they not have waited for all payments to clear before issuing any documents? This is causing me severe XXXX  and stress and Im not in the best health and nobody seems to care except for when they will get their money.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email from paypal saying that a recent transaction in the amount of {$600.00} was being reviewed due to a dispute that was filed that morning. Before I could even get home and read this email, i received another email stating that the case was closed and that they found in the other party 's favor and therefore my account would reflect a negative balance to the tune of {$490.00}, and demanded that I make a deposit to fix this problem that im just now hearing about. I immediately tried to call paypal, however, they have conveniently stopped answering their phones so you can not speak to a live representative at all. I sent an email and text message and all that got for me is a complete run around. They tell me that I cant even file a dispute until my account is back to a positive balance. And there are a ton of unauthorized transactions on my account and i can not get help from paypal at all. They were very quick to " investigate '', but didnt bother actually having a live person get in touch with me to get my side of the story, before closing the said investigation in favor of the other party, Charging my account with all this, and not even giving me an option to appeal. It seems to me that paypal feels as if they are Judge, Jury and Executioner these days. Thats NOT how America and our Democracy are supposed to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : 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 All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Credit card

Took advantage of XXXX XXXX  interest promotions with three different end dates. Been paying and request numerous times to pay off the first due promotion. My payments havent been applied towards the first or second promotion as requested. Now im told promotion will not be paid in the time allotted even though I have paid enough money and requested pay off. 
Today they told me I dont have a promotion, I have a special finance program???? 
Never head that before I have attached the promotions and nowhere does it state special finance program.

Thet refused to apply my payments as directed to pay off my debt
Product: Money transfers

PayPal requires users to link a bank account to the Paypal account. Users also have the option of linking a credit card account. In the past, PayPal has always made the bank account the primary/default funding source for payments. I believe this is because PayPal can deduct 3 % of the payment to keep as a fee for itself ; by contrast, when users pay with a credit card, the card issuer imposes a 3 % fee and I suspect that PayPal does not get a 3 % fee. 
Today, XXXX XXXX, 2015, PayPal changed its system so that users are tricked into making payments funded by their checking account, without providing them the option to fund the payment from their credit card account. If there is a place on the approval screen where users have the option to pay with their credit card, it is so well concealed that I did not notice it. So I ended up making a payment with my checking account even though it was my full intention, as it always is, to pay with my XXXX card.
Product: Mortgage

I have not been able to get an in-house loan mod from Ocwen Fl. I have been working with Keep Your Home California and they have approved me XXXX already for their mortgage reinstatement program as well as assisting me for XXXX months with my mortgage payments and property taxes and HOA dues in arrears. All of this financial assistance is conditional upon Ocwen working with KYHC and granting a new loan mod that would finally make my fluctuating mortgage payments much more affordable and predictable. Ocwen has XXXX refused to cooperate with KYHC and had me go through their Request for Modification Assistance program XXXX even though they had apparently previously decided that my loan would never become eligible for an in-house loan mod. This goes directly against their signed {$2.00} billion agreement stating that they would no longer engage in a dual track system. 
Furthermore, Ocwen is claiming that since my loan was bundled into an MBS package, that it therefore precluded me from ever requesting an in-house loan mod. However at the time of the signing of my then my new loan agreement in XX/XX/2005, it was never disclosed to me during the loan disclosure session that I was now disqualified from ever asking for an in-house loan mod. Therefore, my contention that their repeated statement that they were unable to grant me an in-house loan mod because the amorphous and unaccountable investors do not agree to a new loan mod because the MBS bundling protects them from these types of requests is illegal and a direct violation of the Homeowner 's Bill of Rights since I was informed at the time of my loan doc signing that there was no reason to ever be ineligible for an in-house loan mod. My loan is very unreasonable and predatory at 7 % above LIBOR. I was never informed on what a LIBOR rate was and I trustingly signed the loan docs without deeper investigation. My ARM has fluctuated by up to $ XXXX+ more/month. I am on XXXX and all I am asking for is an affordable loan mod in cooperation with Keep Your Home California ( HAARP ) program.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX ( XXXX XXXX XXXX XXXX ) this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
Product: Checking or savings account

I reached out to Chime to resolve multiple returned fund issues with XXXX  XXXX. XXXX  XXXX sent my statement for the past for years showing where the money was received and returned. Chime has no record of the returned funds. XX/XX/XXXX I initiated a transaction to pay XXXX  XXXX. It posted on XX/XX/XXXX. XX/XX/XXXX the money was returned. Chime doesn't see the returned transaction. On XX/XX/XXXX XXXX i sent XXXX dollars threw XXXX on my sons XXXX XXXX app using my debit card. The funds was taken out. XXXX said they returned the funds because the name in the card did t match the name on the XXXX XXXX account. I have the refund receipt from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Product: Student loan

In the month of XX/XX/XXXX ( XX/XX/17 ) I filed a complaint which was similar, if not the same, in nature as the one I am filing now. As before, I received multiple phone calls throughout the months of XX/XX/XXXX and XX/XX/XXXX, after the duration of my previously instated deferment period was to expire. I sent an email inquiring about my eligibility for a deferment, and received an automated reply back stating that they would need time to " research my account, '' whilst repeatedly calling me on whether I wanted to opt into forbearance to the point where I stopped responding to their calls. I also recently received an email urging me into opting into forbearance, which I have attached. I'm getting kind of tired of this and would rather have them outright tell me they don't check the NSLDS or XXXX unless someone with clout tells them to rather than have to file a complaint to the cfpb each time this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider Lexisnexis because XXXX  told me to do so and they deleted one of them but the bureaus won't even after Lexisnexis sent them letters but Lexisnexis and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Product: Debt collection

previously had cellular service with XXXX and had nothing but issues from cellular signal and then the last straw was a technical support rep telling me to buy a new device {$500.00} more, would fix the problem but of course it did not. So after several calls to customer service I had a new phone and a opportunity to switch to a new provider. I did just that in XX/XX/XXXX however XXXX continued to take a autopay setup for my XXXX credit card. ( not bank account ) CREDIT CARD. I noticed the charge and called in to have the problem resolved on XX/XX/XXXX and as notated you can see I am refunded all the charges and my bill is then at a REFUND XXXX. The following bill has a mention of a " charge back '' as well as a fee for the " NSF '' but again we are talking about a credit card payment being returned? XXXX XXXX Confirmed said Charge to my credit card. on XXXX
Product: Checking or savings account

-At the end of XX/XX/2019, I posted an item for sale on XXXX. The amount of the item ( a picture ) was for {$150.00}. Within minutes, I received a note from an interested buyer who indicated that he/she wanted to buy it. 
-The person indicated they would be overnighting a check to me for the amount. I provided my address and I received the check on XX/XX/XXXX. However, the check was in the amount of {$1800.00}. The buyer indicated her secretary had accidentally sent the check in the wrong amount- that it was meant for something else. He/she asked that deposit the check and then send the difference back to him/her in the amount of the difference minus {$25.00} extra for the issue ( amount {$1600.00} ). 
-The check was not a personal check, but one that appeared to be issued from a bank directly. 
-I deposited the check on Friday, XX/XX/XXXX through the ATM at Chase Bank in XXXX , Texas . 
-The buyer started to become very pushy about me sending the money order back. I checked my account on XX/XX/XXXX and it appeared the check had cleared. I went to XXXX and purchased a money order for the difference, but I was starting to feel uneasy. 
-On Monday, XX/XX/XXXX prior to sending out the money order, I called Chase directly to inquire about the check, telling the Customer Service Agent that I felt uneasy about the buyer and wanted to double check that the check had cleared. The Customer Service Agent indicated that it had cleared. 
-I sent the Monday Order on XX/XX/XXXX. 
-On XX/XX/XXXX, I checked my account again- this time receiving a message within the App that the check was fraudulent. 
-I tried to contact the buyer, but the buyer 's phone was now disconnected. 
-I spoke to 2 different customer service agents and went into a Chase Branch to question why I had been told the check had cleared when in reality it wasn't. I was told by all three that the Customer Service agent I spoke to on XX/XX/XXXX should NOT have told me that the check had cleared and should've explained to me the customary time period before funds are actually available. However, even though they admitted to incorrectly informing me, I was told by Chase that since I deposited the check via an ATM, I was not eligible for protection on the check vs. if I deposited in-person.
Product: Credit reporting or other personal consumer reports

On XXXX while at the mall my debit card and work cell phone was stolen and used to make fraudulent purchases and email account was hacked. I contacted XXXX XXXX  on XXXX when I realized that my account was then being reported late. I had previously attempted to access my account repeatedly but was unable to do so due to countless attempts not authorized by me to access my account. On XXXX I called and spoke to a representative regarding this issue and they where able to change the email on the account and I was finally able to change the banking information associated with the account. In regards to XXXX I filled a report immediately and locked the debit card to prevent any purchases. I still to date have not received the money that was taken out of my account and have asked for updates on the status of this on the following dates XX/XX/XXXX  and XX/XX/XXXX  still no updates as of yet.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX failed to provide debt validation and verification letter within the allocated time frame. This complaint is related to complaint ID XXXX. I have requested written evidence of debt and they have failed to comply. Under the FDCPA this is a violation and must be investigated. Remove and delete any reporting to any credit reporting agencies immediately.