23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 opened account in response to promotional offer that provided {$300.00} bonus if completing the following : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I completed the 10 debit card transactions on XX/XX/2020 and opened the savings account and enrolled in estatements and bonus was said to be paid within 120 days which would have been by XX/XX/2020. As of today, XX/XX/2020 no bonus has posted to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. 

Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX XXXXTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXXXXXX XXXX We have no postal address on file Your payment Gross XXXX XXXX PayPal XXXX XXXX Net amountXXXX XXXX Contact information PayPal Funding details Funding Source : PayPal balance Funding XXXX : XXXX XXXX - PayPal Account Need help? 

Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. 

MemoXXXX XXXX ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal XXXX Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.
Product: Credit card

I applied to Capital One Savors for excellent credit with the signup bonus and 0 % intro APR. However, it somehow gave me the standard without clearly saying I was not picked for the bonuses. I called Capital One support and they confirmed there is nothing of such linked to my account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
Product: Credit card or prepaid card

I just got a XXXX MasterCard with a {$500.00} credit line and they took around {$120.00} immediately so your available line is {$370.00}. That is terrible but not even the worst of there service policies. XX/XX/2018 I made a payment of {$35.00} using their website and set it up has a checking ACH. My balance owed before this transaction was {$510.00} overdrawn due to their fees they took from my account. The {$35.00} payment did not even post to the card until XX/XX/2018 and it only reflexted in my owed balance but still not available. My balance on their screen was {$440.00} but my available balance was still in the negative. I asked for a direct debit from my checking and it takes 7 to 10 days to become available? You have to call and pay a fee of {$10.00} to get your funds sooner than 7_10 day 's. You can not even set up a reoccurring monthly debit using your debit card and I mentioned any payment using a checking by any way takes 7-10 days to become available. The only way to get your funds available is to call and pay a {$10.00} Fee!!! This I believe is a violation of the funds availability act and other acts as well as being one point from a scam. This company should be audited by the correct authorities to see how they are violating certain acts. I want my balance to be XXXX and wiped out by them. No reflection on my credit and close the card as per my request and have no negative reflection on any of my credit reports or I will go public or escalate this to a higher authority. All I said is true so there is no chance I am commiting a defamation or Libel offense against them
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT XXXX. XXXXXXXX XXXX  # XXXX INQUIRY XXXX. XXXX XX/XX/22 EMPLOYER XXXX. XXXX XXXX XXXX XXXX ADDRESS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US, XXXX XXXX  XXXX a servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian Information Solutions XXXX Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal dispute and request for validation of debt regarding the XXXX XXXX XXXX account, Experian has failed to conduct a proper investigation, remove inaccurate information, or provide documentation verifying the debt. 

On XX/XX/XXXX, I submitted a Notice of Dispute and Request for Debt Validation to Experian concerning an account listed by XXXX XXXX XXXX ( Account Number : XXXX ). My Experian credit reports from XX/XX/XXXX, and XX/XX/XXXX, show the account remains inaccurately reported despite my dispute. 

The key issues are as follows : 1. Failure to Provide XXXX XXXX : XXXX FDCPA 15 U.S.C. 1692g, I am entitled to receive verification of the debt, including a breakdown of the amount owed and documentation proving my obligation to pay. Experian failed to provide such documentation. 

2. Failure to Correct Inaccurate Information : Under FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate reporting. However, my report still shows the incorrect balance, payment status, and past due amounts, violating FCRA 15 U.S.C. 1681s-2 ( b ). 

XXXX. Improper Dispute Resolution Process : My XX/XX/XXXX report now states, " Account previously in dispute - investigation complete '', yet Experian has neither removed the inaccurate entry nor provided supporting documentation validating the debt. This suggests an improper dispute process, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( iii ). 

The XXXX lawsuit against Experian ( XXXX XXXX. XXXX ) outlines a pattern of similar misconduct : 1. Experian routinely fails to properly investigate consumer disputes.

2. Experian leaves inaccurate collection accounts on reports despite consumer disputes.

3. Experian violates FCRA by failing to remove incorrect information after disputes.

Given the similarity of my case to these documented violations, I request that the CFPB investigate Experians conduct in my case as part of its broader enforcement actions against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid
Product: Debt collection

Attempted to contact Fair Collection and Outsourcing about multiple accounts. 
These accounts are reporting under a false address when I brought this to their attention, I was given the run around. I sent multiple certified mail and was told I could only dispute the account twice. Phone calls were sent straight to voicemail and never returned. Emails were never answered. Under the Fair Debt Collection Practices Act. I as the consumer are entitled to information that would validate the account. In this case It would be a signed agreement between myself and FCO.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX SANTANDER XXXX Incorrect Name - XXXX XXXX Incorrect DOB - 1989 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX Incorrect Address - XXXX XXXX XXXX # XXXX, XXXX, MA, XXXX
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year>. 
As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt. 
I want to note that under the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that there is no proof of the alleged debt and that, therefore, no such debt exists. 

In a reasonable faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt, such as mine. 

For the record, I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information : 1. Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please send evidence of your authorization to do business or operate in the state of ( Your state ) 5. Please prove the alleged debt, specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days to respond to this notice. Your failure to respond on point, in writing, hand-signed, and on time, will work as a waiver to any of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error and that this matter is permanently closed.

Best Regards,
Product: Debt collection

I do not believe this will be resolved with the company and they are not taking actions against the employee. They have multiple complaints and lawsuits which looks like we will have to do as well. On XX/XX/28, I was called 4 times, the last 3 were from a number with my same area code from home where my family lives. I thought something had happened to them. I answered and a man who quickly ( before I could even hear him ) stated his name and that he worked for XXXX XXXX. I have never had a collections place call me and I pay everything on time so I thought it was a scam. I asked to provide more information and he would only say it was from an apartment complex I lived at 2 years ago. At this point I am thinking it is definitely a scam as he refused to answer any other questions and continued to threaten me, I tell him I am going to call the original debtor and he tells me to not do that and then rattles out my social security number, date of birth, and drivers license and asks me to confirm this info, I didnt know what to do. He then proceeded to tell me if he was a fraud, he would use my info and open up credit cards and just pay himself. The aggressiveness and the push to " give me your credit card info now '' led me to believe it was a scam especially since I knew I had no outstanding debt. I hung up on him and called the apartment complex who told me that they were getting calls all day long about this and there was an error. People that lived there in past years were sent incorrectly to this new collection agency. They reassured me they would fix it and sent me the attached ledger to let me know I owed nothing and I was ok to ignore the caller. Later that night XXXX XXXX calls again ( the same rep ) and he continued to harass me when I tried to explain what happened to him. He said that he was going to report it to the credit bureaus which would ruin my credit, He said they would take action against me. He then said I could mail the ledger to their PO box but that its better to just pay it because it would take a long time to resolve it and in that time it would go on my credit. My girlfriend picked up the phone and got aggressive back with him and he placed her on hold so she hung up on him. We called XXXX XXXX and I spoke to a manager named " XXXX XXXX '' who asked us to email him the ledger ( so apparently PO box isnt necessary ). But in my opinion the burden of proof is on them not me to prove to a company I never heard of that I dont owe anything to an apartment complex I moved out of 2 years ago. I got harassed for no reason and nothing is being done to the employee or the company for what I had to go through. My next step is legal action.
Product: Mortgage

In XXXX of 2015 I had a mortgage with XXXX XXXX XXXX XXXX, which was transitioning to Dietech Mortgage Co. as I was refinancing my home with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was handling the title searches and escrow accounts and disperments of funds. A few months after the closing I stared getting mortgage statements from Dietech again saying that I still owed money. I called XXXXXXXX XXXX who sent them the payoff agreement and copies of the check. Dietech has continued to try to bill me monthly and has kept my escrow account open and had been paying my taxes twice a year and billing be for the deficit in escrow while my new mortgage company, XXXX XXXX, has been paying my property taxes out of my on time monthly payments. Dietech also sent me a paid in full letter in XXXX of 2015 and closed my account and then later re-opened it under another account number and then when I did not pay them the escrow deficit, they sent my husbands name to the credit bureaus causing damage to my husbands credit and higher interest rates on our student loans for the children and car loans. Myself and XXXX XXXX have been trying to sort this out with Dietech for 3 years now. We get different customer service reps with each phone call which causes much confusion on both sides of this problem and many different excuses as to why this hasnt been settled. They also still have their name on my mortgage as they never sent out the satisfaction of mortgage that was needed. I have gotten apologies and promises to correct this error of their as we speak on the phone, and then the next week I call and they tell me it is my fault because I the escrow deficit or something else. I have paperwork from them telling me that they did an investigation and I have an escrow overage of {$5500.00} but I need to pay {$1700.00} first to get that money. The next phone call to them informed me that the money may not actually be in there as they may have paid  something for me. There should be no activity on that account for three years so I dont know what they could have paid. They have both XXXX XXXX and myself chasing our tails with no clue as to how to resolve this. I would appreciate any help or guidance that you may be able to give me. I am at my wits end. Thank you so much!