23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I paid MOHELA {$11000.00} that was supposed to entirely to my first 2 loans and pay them off as they had the highest interest rates. The money was removed from my account immediately but the transaction did not post for over a month at which point it was split amongst all 5 loans I have instead of the ones I selected ( I have the confirmation it was meant for those 2 ). 
For months now I've spent an obscene amount of time on the phone to be told it would be corrected but wait a week or 2, it's still not been corrected and they never sent the information I requested. I also filed a complaint with FSA XX/XX/XXXX and never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent letters to Experian letting them know that they were reporting false and inaccurate information on my report and they refuse to obey XXXX complaint reporting standards in violation of the Fair Credit Reporting Act. They continue to report false names and addresses on my report that don't belong to me and mail is undeliverable to me at these addresses. The following information is inaccurate and need to be deleted 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
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law.

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number roadrunner XXXXXXXX XXXX XXXXXXXX INQUIRIES I DID NOT APPROVE 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, patients of {$490.00} was late 30 days during the Corona Virus pandemic time, I was ill with XXXX  was staying home till well, then back to work, by the time I received my check to pay TD auto loan payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my TD auto loan is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made 2 payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that says XXXX XXXX ran my credit profile for an auto loan on XX/XX/XXXX. I have not applied for an auto loan since XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from XXXX the terms of the loan were " {$2000.00} was disbursed to me immediately the other {$2000.00} was held in a savings account that would be disbursed to me after final payment was made. XXXX gave my loan to another company named XXXX to service. My final payment was made on XX/XX/year>. I was advised that once this payment cleared my online account would allow me the ability to transfer the {$2000.00} held in escrow to my personal account. on XX/XX/year> my online account made the option to transfer my escrow funds to my personal account with the understanding it would take 3 business days to process. Since the 3rd was on a weekend that meant the 3rd business should have been XX/XX/year>. As of todays date XX/XX/year> I still have not received the funds nor does it show them disbursed. When I call customer service I'm told it's actually 3-5 business days despite what their website shows.
Product: Credit card

From XX/XX/XXXX to now there have been problems with payment and accessing this account. There was an assure enrollment for payment hardship, and someone disenrolled the account from its payment protection program. There are problems as of today with customer service and payment scheduling, the monthly amount is unreasonable and there are excessive fees. The amount should be about {$25.00} with a total balance of {$600.00}. The last usage on the card was in XXXX.
Product: Debt collection

This account was paid in full to XXXX and it is in violation of The Fair Credit Reporting Act because it's showing late monthly installment payments.
Product: Debt collection

Online Information Services is trying to collect a debt that was charged with identity Theft. I sent all the documents they asked me to in order to prove i did not live at the address of fraud. 

i sent my mortgage statements from XXXX and utility bills from my address from XXXX. 

I even sent the police report of the fraud. Now they say I need to take up the issue with the company that is owed the money, XXXX XXXX. 

XXXX owed {$280.00} from XXXX
Product: Credit card or prepaid card

I received a letter from Bank of America alerting me they have received a credit card application in my name. Through verification, the person has used my name and my social security number. They are going to deny the application and have given me the next steps to take in reporting the fraud. 

I will be filing a report with the local law enforcement as well as contacting a credit reporting agency, check my credit report, and prevent credit reporting companies from providing my credit file information.
Product: Credit reporting

CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.
Product: Credit reporting

XXXX/XXXX/15 I wanted to check my credit reports with all XXXX agencies. Trans Union was contacted regarding the differences in the number reported by them that varied as much as XXXX points from XXXX sources. 
I contacted them. They said they do not get or give numbers to other companies but rather send the Credit Report & that company does its own analysis. This is NOT what they say in their advertising or even on their reports. If they are not supplying the number that they - in this case Trans Union arrived at, then their advertising and representation is misleading and fraudulent. I not only asked that the XXXX fee be refunded ( only 15 days in ) but that they cancel any further services. They cancelled but would not refund. I should not pay for misrepresentation. There should be a disclaimer stating there is a different website for the required yearly credit report and that they do not provide numbers from other agencies, only data read by them. As the CFPB please look into this for me
Product: Credit card

Hi amex close all my credit cards, and only refund some of my cards annual fee, there are XXXX cards the annual fee are not refunded. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I have been trying to make my payments on line for over 6 months!!! Every time i try to log onto Destiny i put in my log in name & password. Then i get a note saying they do not recognize me. Then for me to try to reset my password. I constantly try & this is what i get : " This information does not match our records. Please try again or call for technical support : XXXX. '' So i call them and i hear the same old news, their representative says they have been updating their system for over 6 months!!!! 
All of this occurs on my due date, which of course i never get thru and they keep putting late payment charges of at least {$40.00} PLEASE CONTACT THEM ABOUT THIS. IT'S BEEN GOING ON LONG ENOUGH. I THINK THEY ARE CAUSING OUR ACCOUNTS TO GO INTO LATE PAYMENT PURPOSELY TO COLLECT LATE CHARGES...
Product: Credit reporting or other personal consumer reports

My complete credit report is blank not found and I've called the issues not fixed and nobody can get my credit report please see attached document
Product: Checking or savings account

On XXXX XXXX I received a deposit in the amount of {$9000.00} from my federal tax return into my Current debit account. My account was automatically taken over by a unknown individual. This imposter made several unauthorized transactions and withdrawals without my knowledge or consent. I notified Current of the inconsistencies in my account immediately upon receipt of my monthly account statement on XX/XX/2022. I have disputed all unauthorized transactions to the financial institution with no positive outcome. I have several receipts to support my disputes as well as other vital information. I have reported identity theft. I have contacted the FTC, CFPB, XXXX XXXX POLICE DEPARTMENT. As of XXXX XXXX the fraudulent charges have ceased. I have not activated my physical Current debit card due to the mishandling of my money and the funds I have lost in regards to this matter. I'm asking that a investigation be launched on my behalf. This complaint has links to my previous consumer complaint with XXXX XXXX XXXX It is also associated with my identity theft case against XXXXXXXX XXXX XXXX XXXXXXXX. Please respond promptly as I have been trying to recover my funds with very minute success. The receipts in my account are mathematically illegible. I have been trying to resolve the situation for six months now. I paid two previous past due debts from my current account to my XXXX roar money account and it is not reflected on my XXXX statement that they were paid. They were listed as a loan and a transfer.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C.

1681c-2 ( a ). Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

- Requested Removal of Inquires XX/XX/XXXX XXXX XXXX  an XX/XX/XXXX. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested from Portfolio Recovery Associates the following documents below as I need to see the following documents to lawfully authenticate the alleged debt you are claiming I owe. 

1. Chain of ownership.

2. Purchase agreement.

3. Evidence of license to collect in Florida.

4. Full account history which includes Full disclosure of account history, payment history, any interest, and fees from XXXX balance to current amount allegedly owed to portfolio Recovery Associates. 
XXXX. Any person with first-hand competent knowledge of the alleged debt who can testify under oath or under penalty of perjury of account ledger in question. 

I also provided a link showing that they were repeated offenders for the exact same violation as described in both my dispute letters. See link below https : XXXX On or around XX/XX/XXXX I submitted another complaint to through the CFPB demanding them to CEASE ALL COMMUNICATION, COLLECTION ACTIVITIES AND CREDIT REPROTING and to date they are still reporting unverified information on my credit file and credit report. I also let them know that they have failed to provide lawful verification of the alleged debt as required under law. Specifically, I demand : XXXX. Lawful XXXX of XXXX XXXX You have not provided documentation verifying the legitimacy of the debt you claim I owe. 
2. Full Disclosure of Purchase Agreement You have not supplied the full purchase agreement for my review, which is necessary to determine the authenticity of the claim.

3. Sworn Testimony or Affidavit You have not produced any sworn testimony or affidavit under oath by someone with firsthand competent knowledge of the debt, as required by law. See Both attachment I am a federally protected consumer a natural living woman and i have XXXX  given rights and rights under the Fair debt collection practices act, Fair credit reporting act, Truth In lending act and Gramm Leach Bliley Act along with the privacy act of 1974. Under the FCRA you are required and obligated to investigate and lawfully verify any documents that i request and to make sure every information on my credit file is lawfully verified, accurate and complete. If you fail to lawfully verify information requested I demand that you delete or remove such information from my credit file and credit report or you will be held criminally liable under the FCRA pursuant to 15 USC 1681n willful noncompliance and 15 USC 1681o for negligent noncompliance and the harm you have caused to my life and family life.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am a victim of identity theft. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS. List of accounts are XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX XXXX Acct # XXXX. And the inquiries are 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 reporting, credit repair services, or other personal consumer reports

I just reviewed again my Experian credit report and found that they are still reporting inaccurate and incomplete information for XXXX XXXX # XXXX and XXXX XXXX # XXXX accounts. On both XXXX XXXX accounts they are reporting the account holder deceased, in addition there is No Date of Last Activity, Date of First Delinquency, and No Date of Last Payment, all are required to determine the Drop Off Date from the report, which is also missing. The Payment History is incomplete and missing large areas of data, there is No High Credit Limit, XXXX XXXX XXXX, No Designation for Owner, No Actual Payment Amount, No Scheduled Payment Amount and No Close Date. All of these inaccuracies and incomplete information are FCRA Violations with monetary penalties and a clear violation of my FCRA rights. I have downloaded and attached my most current Experian Credit Report ( XX/XX/2023 ) with all these FCRA Violations highlighted and circled. They will be used at civil court as evidence if my consumer protection attorneys move forward with this case.
Product: Checking or savings account

My checking account was closed with a positive balance on XX/XX/2020 without notice and my Veterans Affairs benefits which is exempt from garnishment and has been illegally withheld from me and was told today after speaking to the executive resolutions team that I won't have my fund for over 60 days when I have bills including rent and food for which I depend on my benefits for. Today and am going through hardship due to COVID and want my funds mailed to me immediately and USAA charged fines for this incident.
Product: Credit card or prepaid card

Starting in   XX/XX/XXXX , I h ad issues with  my Paypal Business     a ccount where fraud transactions passed through the account via my business checking account and personal account that was linked. Also, a line of credit was opened where many transactions came through from a company  calle  XXXX   in  XXXX . I contacted that company several times, and mailed  Paypal the   emails or chat sessions.  Paypal c losed my business account.       XX/XX/XXXX , I st arted the dispute on t he Paypal line of credit transactions after many more attempts to resolve directly with the vendor. Paypal acknowledged receipt of the attached letter ( support was included by mail but not attached for it is cumbersome ) ; and mailed priority with tracking. I have yet to receive a status up date, and as  of  XX/XX/XXXX  m ailed a letter asking for a status. I have received nothing.     Prior to all of this, I had the same issues wit h my Paypal personal account with the same personal checking account linked. That account was closed as well. A line of credit account was opened as fraud, but disputed by the credit bureau, and Paypal removed ( see letter attached ).      The line of credit that I am disputing now is not report to the bureau, and I want to keep it that way. However, I have been making the payments of {$70.00} per month plus to avoid the account going into collections. I am  XXXX  and I also have a full time job, and studying for my  XXXX . I have to keep my credit in tact.     At this point, I am just wanting to know if they are even researching the dispute. As of   XX/XX/XXXX  ,  Paypal is not FDI C insured and therefore, I could not go through them for a complaint.
Product: Credit card or prepaid card

I added a few authorized users to my 'Chase XXXX XXXX ' credit card. I opened my account on XX/XX/2016. I never had any late payments, late fees or missed payments. I have a 100 % on-time payment history with Chase. I never done anything illegal with my credit card ( e.g., online gambling, etc. ) I never submitted a Reg E claim. I never violated any of the cardholder 's terms and agreements. Also, I do not have any late payments, missed payments, collections, charge-offs or public records on my credit reports. According to XXXX, all XXXX of my FICO Scores are 700+. 

Chase made the egregious decision to unilaterally close my account without any advance notice. Chase stated account closure due to authorized users, however, according to Chase 's website : " Share your Chase card with ones you love '' https : XXXX Chase 's website encourages consumers to add authorized users stating its benefits. I have a relationship with all of my authorized users and none of their names or information are fraudulent. All of my authorized users expressly consented to be added to my Chase credit card. 

This is misleading advertising and a violation pursuant to the federal truth-in-advertising law. 

Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertisers must have evidence to back up their claims ; and Advertisements can not be unfair. 

By Chase closing my credit card account against my wishes, my consumer XXXX score has lowered because I have one less " open '' account on my credit report. Also, by Chase closing my account, it lowers the average length of open accounts on my credit report, further lowering my credit score. This is resulting in an undue financial hardship By my credit score getting lowered because Chase closed my account, I now can not get approved for new accounts and/or will be charged higher interest fees because a lower credit score indicates higher risk of default. I did not violate any laws or any terms or agreements. 

This is unfair and constitutes deceptive practices.
Product: Mortgage

Started in XX/XX/XXXX until the day before closing. Ambassador Mortgage had me waiting on clear to close documents and never send it to tile company the day before I got a text stating she still working on paper work. I paid XXXX.to secure the house plus inspection, appraisal twice and i walk through, signed paperwork to have the utility cut on. I discussed with her how long it would take to have a clear to close.by time i have send all my paperwork and more. After servical weeks i ask her to send my doc over to another agent. she wouldn't transfer my paperwork XX/XX/XXXX to another agent because I kept asking can you get it done she said yes I'm working it I will have in your house. The day of closing no paperwork. My contact was canceled.
Product: Payday loan, title loan, personal loan, or advance loan

This was an agent that had my information and husband regarding a refinance that was not approved in XX/XX/XXXX. He solicited buying solar panels I was in agreement but had no idea it was over XXXX XXXX for XXXX XXXX. I've not missed a payment. My husband and or senior citizens and this amount have put us in a major bind. The company has filed bankruptcy but was still instructed to pay. I Told the agent and the company that this amount was to much and me and my husband will not be living and able to pay for XXXX XXXX. They both indicated I could not get payments reduced or out of the contract. I'm paying XXXX a month and still averaging XXXX dollar light bill each month. We didn't understand what we were signing. And for sure didn't want this amount reported to the credit bureaus. I'm advocating to have this removed from both of our credit reports.