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

NORDSTROM/TD BANK USA For {$720.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove. 
XXXX for {$1600.00} is reporting past the staute of limitations also not my debt please remove. 
XXXX for $ XXXX statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting incorrectly please remove from my report. 

XXXX XXXX XXXX XXXX for {$2000.00} The statute of limitations for debt collection in Pennsylvania is four years from the first missed payment on a debt. This is reporting past seven years. Reporting inaccurate please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept 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, 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: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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!
Product: Credit card

I had previously made a purchase with the merchant XXXX on the day of XX/XX/XXXX i had made a purchase of clothing merch of the brand XXXX on the App of the merchant XXXX. The items i had ordered was a XXXX upside down pull over hoodie, and XXXX strike boots that equaled the price total of {$2400.00}, once i had been notified about its delivery on the day of XX/XX/XXXX for my hoodie only i had asked the merchant about its delivery via email because i had not received anything on my front door or even signed anything to receive it but i got no response so i figured it was going to be delivered with the second part of my package which was with my boots i had order with them also that was told to me thru the tracking number they provided, that it was arriving on the XXXX of XX/XX/XXXX just for me to get notified again about my package being delivered but yet again i had not received anything. i had emailed the merchant numerous times just to get useless responses from them stating they would not be able to help me about my missing packages as shown in the first image i provide. then also they had claimed that the packages had been released thru a signature and once i had checked the signature i confirmed to them that the signature does NOT match my signature AT ALL. They once again replied basically saying it was not their problem and that i had to take it up with the shippers. I am also providing two other photos of the tracking Link they provided me that doesnt even work at all, and a photo of my CA state ID with my signature along to proof that the signatures do not match and i never received or released this package worth of XXXX
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Student loan

I enrolled in student loan debt agency program and the down-payment was {$650.00} dollars They told me that after the program was completed that my loan would be forgiven and my payments would be consolidated to increments of {$20.00} dollars a month for next 20 years So I have not heard anything from them in months nothing in the mail stated that have completed the program I even tried calling them and their number changed The number was XXXX XXXX and guy name XXXX XXXX was handling my case
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.
Product: Money transfer, virtual currency, or money service

I purchased a money order from Western Union. It was sent back to me by the company I sent it to, as they went out of business. I put in a refund request thru Western Union for the money order. I was sent a check by Western union for the {$24.00} as a refund. 

Twice now, in XXXX and XXXX, two checks that were issued by Western Union have been returned. Stating unable to locate account. 

I am in hope that the CFPB can assist me so I can finally receive my money. I am requesting the {$24.00} as well as two {$35.00} return check fees, totalling {$94.00} be issued to me. 

Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I joined XXXX XXXX XXXX. On XX/XX/XXXX the gym closed due to COVID. The gym has not resumed providing services. According to the Pennsylvania HEALTH CLUB ACT { Act of XXXX XXXX, XXXX, P.L. 672, No. 87 ( 4 ) A provision permitting the buyer to cancel the contract if the health club facility closes for more than 30 days and the health club fails to provide a comparable facility within ten miles of the location designated in the health club contract. Upon receipt of notice of cancellation under this paragraph, the health club shall refund to the buyer all moneys paid in excess of an amount computed by dividing the full contract price, including any initiation fee, by the number of weeks in the contract term and multiplying the result by the number of weeks elapsed in the contract term }. According to the Pa Health Club act since the gym has been closed for over 30 days I can cancel my membership. The attorney general in Pa. further stated that gyms are required to refund memberships after cancelation is requested in writing by the member. On XX/XX/XXXX I sent a certified letter as well as an email letter requesting cancelation, to date, the gym has not reopened and due to COVID I do not desire this service for I feel it is unsafe. I sent a copy of the letter likewise to my credit card company. Citibank is a discriminatory banking industry that sides with the merchant. This is the 2nd matter that despite having proof that the company failed to provide services, they continue to fail to help me resolve this matter. Despite not receiving nutrition services or fitness services for almost two months, I paid {$2300.00} total. I requested to have {$1700.00} refunded for the remaining balances of services not rendered.
Product: Checking or savings account

On XX/XX/XXXX, I mistakenly sent {$1000.00} through XXXX XXXX to my girlfriend instead of my roommate for rent. On XX/XX/XXXX, when I realized the mistake, she used Cash Apps refund feature to return the funds. According to XXXX XXXX, this feature is supposed to process refunds within XXXX business days directly back into the account that it came from, provided the recipient hasnt already deposited the funds into their bank account. 

However, the refund never reached my account. Complicating matters, on the day of the refund, I was out of state and had locked my debit card through my banking app after losing it, as a precaution against unauthorized use. I initially thought the locked card might have delayed the refund, so I waited XXXX weeks before contacting XXXX XXXX. 

When I reached out to XXXX XXXX, their customer service confirmed the refund was successfully processed on their end and advised me to contact my bank. I followed up with Chase Bank, but they had no record of the transaction and opened a claim. XXXX weeks later, Chase sent me a letter stating they had closed the claim, as XXXX XXXX is out of network and they couldnt assist further. I asked if they could credit my account and pursue the funds from XXXX XXXX, but they informed me they could not. 

I returned to XXXX XXXX support and requested to escalate the issue. They informed me that managers only respond via email and submitted a new complaint. They did send me a transaction receipt that had the transaction numbers detailing the refund. After corresponding with a manager for a few days, I was told there was nothing more they could do and was provided with their attorneys contact information. 

At this point, Ive gone back and forth multiple times with both XXXX XXXX and Chase Bank. XXXX XXXX claims the refund was processed successfully, referencing a transaction number, but they have not considered the possibility that the locked card might have caused the refund to bounce or remain in limbo. Meanwhile, Chase asserts they are unable to investigate further because XXXX XXXX operates outside their network.
Product: Checking or savings account

I had a Wells Fargo account with a XXXX XXXX XXXX ending in XXXX, the account was closed in XXXX of XXXX but on XX/XX/year> I was sent a refund for {$710.00} by XXXX XXXX, the money was sent to the closed debit card and the money has not been returned to XXXX XXXX nor Wells Fargo, Wells Fargo instructed me to contact Visa to help with finding the money so I can be sent a check for the amount.
Product: Money transfer, virtual currency, or money service

Attempted to verbally inform Pacificwesternbank on XX/XX/21 they are not authorized to receive automatic payments from an account I no longer use. Pacificwesternbank, formerly XXXX XXXX is refusing to cancel unauthorized payments from my financial institution. I spoke to one customer service representative and two supervisors who all refused to assist or refer me to their legal department or resolve in accordance with federal law. Moreover, when I tried multiple times to have the appropriate person within their legal department or supervisory role be made aware they are in violation of federal law they told me to have a nice day and disconnected. I do not want to set up a new payment system until I know that they are operating in accordance with federal law and honoring my attempts to update my information without incurring fees and charges because of their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; NCSTATEEMP XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Various dates and amounts around and after 2018 where mortgage escrow shortages were claimed repeatedly. I did not ask for forbearance but it negatively affected my credit. 
I inquired about and unable to get lower interest mortgage rate.
Product: Debt collection

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by LVNV Funding LLC. In XXXX of XXXX, I became aware that LVNV had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation, Specifically the original signed contract, validating this debt in accordance with the FDCPA. They failed to produce that contract or any documentation that would meet the standard of validation set by the FDCPA. They claim to have completed multiple reinvestigations, but they still could not produce those documents. According to the FDCPA, if a collector fails to validate, they must delete the disputed account from the consumers credit report. LVNV Refused to comply with this requirement. For over two and a half years, I have gone back and forth with this company to get them to comply with the law. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, LVNV Funding expressed their intent to violate state law and continued collection action on this debt. Since LVNV Funding has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
Product: Checking or savings account

I have an account with XXXX. Several of my credit cards were fraudulently used to book various hotels in XXXX. As I became aware of these charges and actions, I immediately contact XXXX customer service and the hotel itself. I recorded the conversation as evidence. I further disputed the charges with my bank, Bank of America, who resolved the issue in favor of XXXX. At this point, I am so distraught and in awe because the organizations that were supposed to protect me and confabulating against me and embezzling my hard earned money. Not just my hard earned money but my mothers monies because her card was also charged. By the way, she is a senior citizen. I hope you can help me with this matter. Im supplying the transcript of the call for you to review and take into consideration. This is amoral and someone needs to do something to protect citizens from these people inflicting pain. The federal government has a responsibility and oversight over banking institutions who are abusing their power and creating exploitation mechanisms to get rich. Bank of America has a history of usurping the poor and not protecting the interests of those who they have as customers. I will definitely consider where I deposit my money in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card ( XXXX XXXX XXXX XXXX XXXX ) only to be rejected due to Experian 's reported credit score. Experian reported accounts not paid as agreed despite filing multiple disputes regarding that in XXXX and XXXX. XXXX  and XXXX do not show this issue but Experian refuses to correct it and i do not understand why. It is been XXXX going through the dispute process over and over and i am sickened by Experian 's reluctance to solve the problem. I am planning to buy a home soon and it seems Experian will affect that process due to the incompetence it is showing. Please help me correct this as soon as possible and thank you.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too. 
Please provide details to investigation or delete accounts.
Product: Debt collection

LJ Ross & Associates has placed negative information on my credit reports claiming that I owe them {$240.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if LJ Ross & Associates does not comply with my validation letter this item must remain removed from my account.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX