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

****CFPB, Please take note of the response and lack of documentation of procedures followed in the investigation of this dispute. The employees of Experian consistently fail to due a proper investigation. They do not ask any specific questions to the creditors they just accept any automated response from eOSCAR as proof or verification. They do not provide documentation that proves anything nor do they reference any calls made to the creditor. They are failing to comply with FCRA consumer guarantee of maximum accuracy. They are keep accepting responses from the creditors their customer instead of following the law that protects consumers from abuse, inaccurate and unfair reporting. **** The following accounts are inaccurately reporting as late payments : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1666b - Timing of 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.

The creditors have not sent me any notification and I have never received any communication from them in certified mail. So it is impossible for them to prove this. They are not in compliance, this alone requires you the Credit Agency worker to delete this late payment record as its it inaccurate and should not be on my report.

XXXX XXXX XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX  This law states that you can not report on transaction experiences such as late payments!

All these creditors I am listing are clearly in violation of this law. CRAs are required to comply with this law and delete these late payments as they are inaccurate. The Credit Agencies nor the Creditors are above the FCRA and its guaranteed protections to consumers.

All of these late payments must be deleted immediately. You the Credit Agency need to comply. These creditors have issues with their payment systems, info systems, they dont send notifications, etc. Its clear that what they are telling you is inaccurate.

Experian keeps sending me letters saying they have verified these accounts! Stop this loop! FCRA says you must delete. If you refuse, just know that this dispute case number will be cited by the Consumer Law Attorney that I use to press for violation fines!

Thanks you for you attention to this matter.
Product: Credit card or prepaid card

XX/XX/XXXX, I did a consolidation loan in which {$9700.00} was to go to Barclays card for my XXXX Credit card. IT was {$1000.00} more than the current balance and that was to apply it to another card that I was not able to apply it to directly. 

The money was placed in the incorrect account, XXXX XXXX XXXX XXXX and my card is XXXX XXXX XXXX XXXX. Several calls to Barclay 's and XXXX and no results. Never a call back. Even three way calling with the lender did not get anywhere. We where informed that the could see the deposit and needed proof that it was supposed to go into my account. We faxed them and sent an email and by mail. They say they never received anything. 

The money was received in the incorrect account on XX/XX/XXXX. 
I was told that there would be not interest charges or late fees and it would not effect my credit and they would fix everything. They removed the XX/XX/XXXX late charges and interest but have not done so for the XXXX, XXXX, XXXX, Payments and I am not paying on this card until this happens. 

The lender has sent me the check directly and need to get this straightened out in order to make a payment plan, althought they still have the money.
Product: Credit reporting or other personal consumer reports

The credit bureaus are in violation of my consumer rights. 

the reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : XXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX opend XX/XX/XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX  opened XX/XX/XXXX 15 U.S. Code 1681i 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I have requested proof of the debt but have not received anything i would like to see the original debt the date it was discharged and ownership of the debt and any proof od reporting date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to Transunion on XX/XX/2020 about fraudulent inquiries on my credit report. Someone from another state had stolen my identity. Transunion were ones that deleted the address off of my profile from the person that stole my identity. After hearing about how they cant dispute inquiries, a supervisor finally said XXXX go ahead and submit a dispute for those fraudulent inquiries. I reached out to all those companies that had pulled my profile and they told me to contact Transunion. I called in today, 30 days later for a representative to tell me, they no dispute was filed and the representative only reached out to those companies from the fraudulent inquiries, but none of the companies responded. Its always lie after lie with these credit bureaus.
Product: Checking or savings account

On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX.  The account was put on hold for suspected fraud. The funds cleared but were still held.  I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the  check to(myself). The bank had said that they were going to hold the money no more than 11 days.  It is now almost one month later and they still are not releasing my money.  They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do.  The account remains open, it has a positive balance of $XXXX.  On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open,  i'm unable to spend the money that is in the account and they are just holding onto it.  I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me.  I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off.  I cannot believe they are doing this to me and how is it they are allowed to do this to me?  This must be against some law. The is all happened at the US bank in XXXX, CA  (XXXX Branch).  the address is XXXX XXXX XXXX. XXXX, CA XXXX.  The manager who opened my account and placed the hold on my account is XXXX.  I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not  allowed to speak with and am just given a number to call.  When I call this number, the end result always is to contact the branch.  So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we  will mail you a check:.  But it never happens and is not happening as the account is still open.
Product: Credit reporting or other personal consumer reports

XXXX is reporting obsolete and inaccurate information on my credit report across all XXXX bureaus such as Account number- not the same High balance- dont match Last verified date- dont match Date of last activity- dont match Creditor remarks - none Late payments reflecting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had multiple inaccurate information on my credit report as I spent 3 years attempting for them to get it right, It was fixed and my score was XXXX. I also am going threw identity theft for over 10 years And had a unknown inquiry from a creditor that I already had so I disputed the inquiry ... XXXX Theyvremoved the 6 years of payment history and left the Hard inquiry I never gave permission for. They also let the fraudulent activity happen when this persons runs my credit while I have made a police report, Identity theft reports, credit freezes and locks. I now have nothing on my report with XXXX  and am showing as deceased. I have been waiting for the right time to get a auto loan and Am getting extreamly high rates due to no history. I had 100 % on time payments with 3 credit cards and the longest was 6 years. I sent them their own credit reports showing they have reported the acct for years and they refuse to fix it now my score is below 650 and the other credit reporting agencies are receiving the same information I have never been late on anything. I was at XXXX with all 3 beuours and XXXX fico score with all 3. I assumed i would of gotten the beat rates for a auto loan for which i could afford but now all 3 agencies have dropped my score all due to XXXX deleting my 3 credit cards which had a perfect history. Now i have multiple inquiries due to the fact i went into a dealership telling them my scores and getting a monthly payment within my families means and walked out in tears, I've been going threw this for years and they can not keep my credit at the score it deserves No matter what attempts I do to prevent it and how many times I have to dispute it. It comes back. I have made multiple complaints threw your agency as well .All XXXX , XXXX , and experian just refuse to Make my report right even though I have sent them proof of there of their own reports. I have 3 cards XXXX, XXXX and XXXX XXXX No inquiries except for the recent car loans I had no doubt I would of got a great deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )
Product: Payday loan, title loan, or personal loan

I lost my part time job and i now have XXXX and moved in with my father.While i worked i got a loan with Moneykey.After i lost my job i got behind.Then the collection calls started.I got a debt relief lawyer the XXXX law firm to settle the debt.Monkey claims they will not work with this law firm.I talked to the XXXX Law firm and said they have worked with Moneykey before.Moneykey then started phone calls and threats.Can you please help me.Moneykey corporate office is XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX.
Product: Debt or credit management

I closed this account XXXX  after I was robbed and had insurance with this company that was to cover the items. I closed the account in XXXX, but the company is still reporting it as if the account is open. The company also called on family members phones that was not and is not connected with me.
Product: Checking or savings account

I requested an older statement from Chase. On the phone, the rep stated that it was only available in a branch, and at the branch they stated that it was not available at all. They confirmed they were only keeping statements back to 7 years and the statement I wanted was from XX/XX/2016. I thought that banks had a regulatory obligation to keep records going back 10 years, but they would not even submit a research request to attempt to find the statement.
Product: Credit card

First Citizens bank would not give over the person who retrieved the check sent from Bank of XXXX to First Citizens bank to pay off a high interest credit card with a 28 % interest to a 0 % interest credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX sent the payment to the XXXX XXXX on my credit card statement on XXXX and XXXX XXXX XXXX check the XXXX XXXX XXXX XXXX to inquire as to its receipt, thereby overcharging me interest on the XXXX credit card. 
I called XXXX XXXX, branch manager, and she stated I should put a stop payment on a check I didnt draft. I contacted FCs fraud dept. on 5 occasions to enlist their help to no avail. I contacted A Mr XXXX Bland, a purported bank manager and he took from the previous Thursday until the following Thursday to try to resolve this, while interest was accruing, to no avail. He still hasnt called me back about his own banks XXXX XXXX and a contact so I could call and expedite the pay off checks whereabouts. The fraud department wouldnt give over a vice presidents name or contact to take ownership of my matter and resolve it, while interest accrues on the XXXX owed to XXXX. Ive rarity experienced such incompetence and lack of regard for solving a mistake from sending to a XXXX XXXX they own and stated on their credit card statement. Not only does it speak of bank fraud, deceiving, its speaks to increasing bank fees for their own incompetence which I stated I would call and resolve for them. Complete and egregious incompetence and lack of regard for good business skills..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at about XXXX XXXX - I sent money to the PayPal account XXXX for some concert tickets. As soon as I was going to get the tickets via XXXX, the person XXXX XXXX, suddenly got rid of her XXXX account. The money was already transferred to this paypal account. I am trying to get a refund for this and that Paypal account locked for scam.
Product: Credit reporting

According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.
Product: Debt collection

On XX/XX/XXXX, I received a letter from PayPal Credit thanking me for opening an account. 

I did not open an account and I do not have a Paypal account. 

On XX/XX/XXXX, there were two {$1.00} charges from Paypal against my XXXX  XXXX XXXX credit card. XXXX said there was fraudulent activity on my XXXX card, so they closed it and issued a new card. This is not a complaint about XXXX. 

On XX/XX/XXXX, I received another letter from Paypal credit saying they suspected suspicious activity on the PayPal account and they gave a number to call. I called the telephone number, but the woman demanded my date of birth and last 4 digits of my social security number. I did not give them this information. 

On XX/XX/XXXX, I received a statement from Paypal Credit saying I owe {$800.00} I have received many harassing robo calls in the past few months.
Product: Credit reporting or other personal consumer reports

I opened in regards at least 5 inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this Incompetent Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware XXXX THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by Experian showing the amount I legally disputed with XXXX for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to EXPERIAN to have remove a Legally Disputed for services not received, and to have Experian not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also Experian will be included in the Legal Action after this formally inquire.
Product: Debt collection

On XX/XX/XXXX, my insurance with USAA was cancelled due to non-payment. This is a request of validation of debt and authenticated statement of account associated with USAA member no. XXXX. I have tried to resolve this issue multiple times with the Financial Institution. There is a claim of debt being owe to USAA when that is inaccurate reporting. As a Financial Institution, USAA is obligated to the Truth in Lending. Full disclosure was not given to the consumer that the original application of credit was payment for an open-end account. Every application is a letter of credit, as defined in UCC 5-104. A letter of credit is authenticated by signature. There is no payment required. I became a member with USAA in XXXX and I have made payments in good faith to ensure that the insurance policy would stay active. USAA never disclosed that it was a financial institution. USAA never disclosed the Truth in Lending Act. USAA has taken payments from the consumer and pursuant to 15 U.S.C. 1692 ( h ) I demand that all payments made to USAA be returned to the consumer IMMEDIATELY. USAA has used my social security number which is a credit card pursuant to 15 U.S.C. 1602 ( L ), and I have not received any benefits from the use of my credit card. USAA is acting as an unauthorized user ( 15 U.S.C. 1602 ( p ) ) of my account by utilizing my credit card and that is a criminal liability pursuant 15 U.S.C. 1611 for willful and knowingly committing fraud. This correspondence, administrative process, serves as Notice of Service to, USAA, and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I, XXXX, XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I extended my credit to USAA, please show me a corrected copy of the 1099 that is to be filed by the Financial Institution quarterly. The statement of account should be an authenticated record from an accountant and not a billing statement. Being that credit is the only true monetary source of any transaction, there should be no billing statement whatsoever. Remittances are not being accepted by USAA. The APR is to be applied to the unpaid balance. USAA refuses to do so. I demand that my policy be reinstated, and I demand that payments made in good faith be returned IMMEDIATELY.
Product: Vehicle loan or lease

Loan began on XX/XX/XXXX and since then I am unable to figure out the outstanding balance as interest was calculated as if this was a revolving line of credit by Santander. It is a note that late fees should assessed at fixed amount. As it stands now, even after all XXXX payments of {$750.00} are made through note maturity in XX/XX/XXXX, the loan will still have an outstanding balance. This is even if every XXXX  is applied to principal, but of course In addition, because of this continuous artificial late payment calculation my credit has been severely damaged. Part of the problem seems to be rooted during the XXXX month XXXX relief period in which I made payments that they applied 100 % to interest when my intention was to pay principle.
Product: Credit card

XX/XX/year> Purchase was made from XXXXXXXX XXXX XXXX in the amount of {$840.00}. The purchase was transacted thru PayPal but charged to XXXX XXXX. The merchandise was defective and seller failed to respond to return therefore a dispute was filed with both PayPal and XXXX XXXX. XXXX XXXX provided a temporary credit of {$840.00} until the investigation is completed. On XX/XX/year> XXXXXXXX XXXX XXXXXXXX issued a refund of {$840.00} to PAYPAL. Paypal sent the refund to XXXX XXXX who in turn rescinded the temporary credit and applied the refund to the purchase. 
PAYPAL is CLAIMING they issued two refunds of {$840.00} each, to XXXX XXXX. Therefore I have a {$840.00} NEGATIVE BALANCE with PAYPAL. 
On a separate transaction {$15.00} was sent to me thru PayPal by a relative. 
PayPal took the {$15.00} and applied it to the negative balance they claim I owe them. I now have a {$830.00} negative balance. PayPal also sent this to a Collection Agency for non payment. 
Numerous calls were made to PayPal regarding this illegal transaction, each time Customer Service replies that it will be corrected in 3-5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy On XX/XX/2018 I received my dispute results from Equifax. In the results it shows the account I disputed, XXXX XXXX  that had a balance of {$4500.00} deleted from my Equifax credit report. I just recently looked at my Equifax report and I see Equifax has reinserted the account back on my report without notifying me. According to the FCRA section 611 ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy it states, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. Equifax did not send me anything in writing about a reinsertion which is a violation under the FCRA. Please remove this account immediately. It was removed in 2018. Please check attachment. It will show the account was removed in XX/XX/2018 2018